Skip to content
FCM Bank logo
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
Compare other accounts

Other savings accounts to consider

Cash Interest

Trade Republic

2%
interest

German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.

Base rate
2%
Access
Instant
Min deposit
None
Guaranteed
€100k

Scalable Capital Cash

Scalable Capital

2%
interest

Investment platform offering 2.00% on cash balances up to €50,000. German-regulated with EU deposit guarantee. Also offers ETF and stock investing.

Base rate
2%
Access
Instant
Min deposit
None
Guaranteed
€100k

ASN Sparen

ASN Bank

1.3%
interest

Major Dutch sustainable bank (formerly de Volksbank). Focuses on social and environmental impact. Now the parent brand after 2025 rebrand, incorporating SNS and RegioBank.

Base rate
1.3%
Access
Instant
Min deposit
None
Guaranteed
€100k
View all savings accounts