Fixed-Term Deposit
Secure your return with our 1-year euro fixed-term deposit account and enjoy an attractive interest rate of 2.38% p.a. Whether you opt for a short-term or long-term deposit, our competitive rates offer stability and growth for your financial assets.
Premium Banking
Experience banking at a higher level with FCM Bank Malta Premium Banking. Enjoy dedicated premium bankers, tailored deposit solutions, absolute discretion, and an exclusive banking environment designed entirely around you.
Refer a Friend
Invite your friends to open an account with FCM Bank and receive up to €200 vouchers each! Find out more below.
Book your appointment online
Choose the exact date and time that suits you and avoid waiting at the branch. You can find our booking calendar on the Maltese - Personal page.
FCM Bank Achieves Record Profit and Strong Growth in 2025
About Us
FCM Bank is a European banking institution operating across four EU markets: Malta, Germany, the Czech Republic, and the Netherlands. Authorised by the European Central Bank and regulated by the Malta Financial Services Authority (MFSA), the Bank has held a full banking licence since 2010.
We specialise in secure savings solutions and structured lending services, designed to support the long-term financial objectives of both private and corporate clients.
Tailored Solutions
FCM Bank provides tailored real estate financing solutions alongside corporate and personal deposit services. Our offering is designed for clients who value stability, precision, and long-term performance in their financial solutions.
Grounded in integrity, discipline, and a relationship-driven approach, we focus on building long-term partnerships and delivering financial solutions that support consistent growth and responsible capital development.
FCM Bank in Numbers
Years on the Market
Clients
Profit Growth (2023–2025)
Countries of Operation
A Successful Portfolio in Numbers
FCM Bank is part of the business portfolio of Radomír Lapčík, the founder of a number of successful financial institutions, which he has united for nearly 30 years through his personality, strategic leadership, and long-term vision.
Years on the Market
Clients
Annual Profit
Countries of Operation
Control and Supervision
Malta is a member of the eurozone and, like all member states, must have a regulator overseeing the financial and capital markets. Moreover, Malta's regulator, the MFSA, falls directly under the ECB, which is responsible for the entire eurozone market and must therefore respect the same regulations as central banks in Germany, Austria or any other country.
MFSA - Malta Financial Services Authority
The Maltese Financial Services Authority (MFSA), like the Deutsche Bundesbank, is the single regulator of financial services in Malta. The MFSA regulates banking, financial institutions, payment institutions, insurance companies and insurance intermediaries, investment services companies and collective investment schemes, securities markets, etc.
ECB - European Central Bank
FCM Bank Limited is also controlled by the European Central Bank. FCM Bank Limited is also a member of the deposit insurance scheme (Deposit Compensation Scheme) in Malta, which allows a further development within the European Union through acquisition of a bank in the euro area, which holds a European banking license.
Our Expertise
John Soler
Chairman & Non-executive Director
Miroslav Halička
Chief Executive Officer
Bonamy Mercieca
Chief Corporate Officer
Radka Chum
Chief Retail Officer
Mission & Vision
Mission
Our mission is to guide your success.
At FCM Bank, our mission is clear: to steer you towards success. We believe in a world where each client realizes their full potential, making our collective future brighter and more prosperous.
Vision
True relationships built on trust.
We firmly believe that fostering authentic connections with our clients is paramount to their success. Through prioritizing genuine relationships, we aspire to earn the esteemed position of being recognized as the most trusted bank in our community and beyond.
Our Values
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Trust
We build trust through reliability, consistency, and accountability, ensuring that our clients can always rely on us as their trusted financial partner.
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Integrity
We uphold the highest standards of honesty, transparency, and ethical behaviour.
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Expert
We pride ourselves on our deep expertise and knowledge in the financial industry, providing our clients with informed guidance and innovative solutions tailored to their unique needs.
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Proactivity
We take a proactive approach to anticipate our clients' needs and challenges, staying ahead of the curve to offer timely support and solutions that drive their success.
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Exceptionality
We continuously strive to go above and beyond, delivering exceptional service, innovative solutions, and unparalleled experiences to our clients.
News
Important notice
We would like to inform our esteemed clientele to ignore emails claiming to be from FCM Bank and requesting confirmation of payments, or personal details like ID card and Passport numbers. These emails are fraudulent. If you do receive any suspicious emails, delete immediately, do not download any attachments accompanying the email or click on links that appear in the message. If you are unsure whether this is a fraudulent email or not, please contact us by phone on (+356) 2248 8000 or by email on info@fcmbank.com.mt so that we can assist further.