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FCM Bank

This bank is based in: Malta (A-)
• Start saving from €1.00 up to €100,000.00
• No fees, no subscriptions and Deposit Guarantee protected.
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Current offers from this bank

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Rate

Term

Currency

Product Type

2.18 %

AER

Currency

EUR

Product Type

Demand Deposit
Demand Deposit
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Interest & product details
Gross rate
2.16%
AER
2.18%
Availability
Payments in and out your Raisin Account occur weekly on Tuesday
When will the bank open my savings account?
FCM Bank open savings accounts on Tuesday
Interest capitalisation?
Paid out to your Raisin Account on 1st day of each quarter (or next business day)
Interest type
Variable - The rate may change at any time. We will let you know any about changes in advance.
Deposit amounts & Taxation details
Currency
EUR
How much can you save?
€1 - €100,000
Fees
There are no fees or hidden charges
Taxation of deposit interest
Maltese banks do not deduct tax on savings for Irish customers. This means your interest is paid in full (gross). For more details, please see the product information sheet. Important: Irish deposit interest tax (DIRT) is not deducted automatically. Any interest earned must be declared to Revenue in an annual tax return.
Documents to be submitted
You can open this savings account entirely online.
Product Information Sheet FCM Bank

About the Bank

FCM Bank Ltd. was established in Malta in 2010 and is authorised and regulated under Maltese law. In November 2017, the bank was acquired by SAB Group, a leading foreign exchange provider in the Czech Republic, serving more than 20,000 corporate clients. FCM Bank aims to support its customers in achieving their financial goals through long-term, trusted relationships. Its core values integrity, proactivity and expertise underpin its approach to banking and shape the way it does business.

More information about this bank

Year Established

2010

Place of Establishment

Birkirkara

Number of employees

71

Number of branches

-

Business Focus

Bank Deposits, Corporate Loans, Commercial Real Estate Financing, Working Capital Loans, Foreign Exchange Business

* This information is provided by FMH-Finanzberatung e.K. FMH-Finanzberatung specialises in information on interest rates and financial products and has been collecting and processing financial data in Germany since 1986.. As of 25.08.2025.

Deposit Guarantee Scheme

In accordance with EU Directive 2014/49/EU on deposit guarantee schemes, your savings – including interest accrued but not yet credited – are guaranteed by the Maltese statutory Deposit Guarantee Scheme up to €100,000 per depositor per bank (please bear this in mind if you hold additional funds with the same bank outside Raisin). Repayment will be made in euro. The repayable amount will be made available to the depositor within seven working days from the date on which the Deposit Guarantee Scheme is activated. The guarantee applies to all natural persons, regardless of whether they reside in Malta or elsewhere. The Deposit Guarantee Scheme is administered by the Malta Financial Services Authority (https://compensationschemes.org.mt/).

Tax process and documentation

Maltese banks do not deduct tax on savings for Irish customers. This means your interest is paid in full (gross). For more details, please see the product information sheet. Important: Irish deposit interest tax (DIRT) is not deducted automatically. Any interest earned must be declared to Revenue in an annual tax return.

Raisin's role

With Raisin, one login gives you access to competitive savings accounts from banks across Europe, allowing your savings to work even harder. No fees, no paperwork: saving with Raisin is online and hassle-free.
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Als Pionier für Spar-, Investment- und Altersvorsorgeprodukte ermöglichen wir Privatkunden einen unkomplizierten Zugang zu globalen Einlagen- und Kapitalmärkten – ein Vorteil, der auch Finanzinstitute stärkt.
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All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once a year. This allows individuals to compare more easily what return they can expect from their savings over time. Raisin Bank, trading as Raisin, is authorised/licensed or registered by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) in Germany and is regulated by the Central Bank of Ireland for conduct of business rules.