Ikano Bank
About Ikano Bank
Ikano Bank was founded by the IKEA founder, offering mortgages, savings, private loans, and credit cards with pre-negotiated rates — meaning no individual negotiation is needed or possible.
Average rate over time
Average rate per month for each binding period.
Ikano Bank
2016-012026-10
2016-012026-10
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.63%Valid from Apr 2, 2026 | 2.91%For September 2026 |
| 1 year | 3.90%Valid from Sep 18, 2026 | 3.20%For September 2026 |
| 2 years | 4.42%Valid from Sep 18, 2026 | 3.97%For September 2026 |
| 3 years | 4.62%Valid from Sep 18, 2026 | 3.95%For September 2026 |
| 4 years | 4.77%Valid from Sep 18, 2026 | - |
| 5 years | 4.97%Valid from Sep 18, 2026 | - |
| 7 years | 5.25%Valid from Sep 18, 2026 | - |
| 10 years | 5.53%Valid from Sep 18, 2026 | - |
Last checked: Oct 25, 2026, 6:35 AM
The bank's mortgage page, the source of these ratesLoan requirements
Accepts credit remarksNo
Accepts non-permanent employmentNo
Maximum loan amount15 000 000 SEK
Minimum annual income180 000 SEK
Discounts
Loan-to-Value Ratio
Discount for lower loan-to-value ratios.
Membership: IKEA Family
Discount for IKEA Family members.
More information