Moank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Moank suits Swedish adults who want an easy-access account they can draw on at any time, with deposits protected EU DGS up to EUR 100,000. The variable rate of 2.45% sits under the savings median of 3.08%, so the case rests on access and convenience rather than the highest return.
Key facts
- Best for
- Swedish adults who want an easy-access emergency fund with nothing taken each month.
- Headline rate
- 2.45%↗
- Rate type
- Variable↗
- Minimum deposit
- SEK 0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Savings account Flex: no lock-in, withdraw at any time; age 18+, registered in Sweden, BankID and Swedish bank account required↗
- Monthly fee
- SEK 0↗
- Account kind
- Easy access↗
- Legal entity
- Moank AB↗
- Headquarters
- Sweden↗
- Founded
- 2015↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- moank.se
Facts checked September 26, 2026, 3 sources
Pros and cons
Pros
- The easy access Flex account has no lock-in, so you can withdraw at any time.
- There is a monthly fee of SEK 0 and a minimum deposit of SEK 0.
- Deposit cover is EU DGS up to EUR 100,000, and Finansinspektionen supervises the bank in Sweden.
Cons
- The rate is variable, so the 2.45% headline can move down as well as up.
- On headline rate the account sits at position 291 of 473 in our savings data, so the return is modest.
- Support runs on email, phone and help centre only, with no live chat.
Who it suits
- Adults in Sweden who hold BankID and a Swedish bank account and save in kronor.
- People building an emergency buffer, since the account is easy access and can be drawn on without notice.
- Savers who would rather not pay anything to keep their money still.
Who should look elsewhere
- Anyone chasing a higher return, since AXI Card lists 21.59% and Plazo ES lists 24.19% on headline rate.
- Adults outside Sweden without BankID or a Swedish bank account, for whom the listed alternative is PayPal Colombia at 3.3%.
How it compares on our data
On our savings data the headline rate measure puts Moank at position 291 out of 473, well down the list rather than at the front. The minimum deposit measure is where it stands out, at position 1 of 370, placing it at the front on that measure. So the account competes on access, not on rate.
The company behind it
The provider is Moank AB, a company based in Sweden and founded in 2015, supervised by Finansinspektionen. Getting help is straightforward: the service runs on email, phone and help centre, so you can reach someone by email or phone, or find answers in the help centre. A small operation with a short history and support at its core.
How Moank compares
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Where Moank is available
- Available
- Sweden
- Licence in Sweden
- Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep money in a Moank savings account?+
There is a monthly fee of SEK 0 on the account, and the model is listed as no monthly fee, so nothing is taken each month for holding it. The minimum deposit is SEK 0, which means you can start with a small balance and add to it later.
Is my money safe at Moank?+
Savings sit under the EU deposit guarantee, EU DGS up to EUR 100,000, and Moank is supervised by Finansinspektionen, the Swedish Financial Supervisory Authority. That cover is what matters most if you hold a larger sum for a longer stretch, since the balance stays in an easy-access account.
Can I get my money out whenever I want?+
Yes. The Flex account is easy access with no lock-in, so withdrawals can be made at any time rather than on a set date. That makes it work as an emergency fund, since your cash is not tied up for a period.
What rate will I earn and can it change?+
The headline rate is 2.45% and it is variable, so the figure can rise or fall with the market. On our savings data the rate places the account at position 291 of 473, so read the headline as a starting point rather than a promise.
Who can open a Moank account?+
Flex is open to adults who are registered in Sweden and have both BankID and a Swedish bank account, so the account is built for Swedish residents rather than for people signing up from abroad. If you live elsewhere, the listed alternatives sit in other markets.
How do I contact Moank if something goes wrong?+
Help runs on email, phone and help centre, so you can write by email, call the phone line, or look up answers in the help centre. There is no live chat window, which matters if you want an instant answer outside office hours.
Sources
- moank.se/en/about checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Legal entity, Licences
“Founded 2015”
- moank.se/en/customer-service checked September 26, 2026
Backs: Access terms, Monthly fee, Rate type, Support channels
“You can always withdraw your money whenever you want. If you have a fixed-rate account, a withdrawal fee applies if you withdraw before the end of the term.”
- moank.se/en/personal/savings-account checked September 26, 2026
Backs: Account kind, Headline rate, Minimum deposit, Pricing model
“Savings account Flex - Save with a variable rate. No lock-in, no fees and state deposit guarantee.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Other rankings
Moank
Swedish adults who want an easy-access emergency fund with nothing taken each month.