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EU ProtectedUpdated 27 February 2026

FCM Bank Savings (via Raisin)

by FCM Bank

Interest rate
1.91%APY
Access
Instant
Protection
€100k
1.91
% APY
Best for:Raisin UsersFlexibleEU Guarantee
EU Deposit Guarantee
Protected up to €100,000

Maltese bank via Raisin offering 1.91% flexible savings. Decent rate with EU protection. Accessible through Raisin platform.

Rates last verified: 27 February 2026

The verdict

What we like

  • +1.91% flexible rate
  • +EU deposit guarantee (Malta)
  • +No minimum deposit
  • +Access via Raisin

What to consider

  • -Maltese bank (less familiar)
  • -Need Raisin account
  • -Smaller bank
  • -Rate can change

Account details

Standard interest rate1.91% APY
Minimum depositNone required
Maximum deposit€100,000
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
1.91%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
FCM Bank
Access time
Instant
Protection
€100k guaranteed
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