Savings Account

3.58 % p.a.

Access your savings at any time. Start generating interest from January 19, 2024, inclusive, at a competitive rate. The rate is immediately applicable for deposits of €50,000 and more.


Who we are

FCM Bank is headquartered in Malta and has held a Maltese banking licence since 2010. The bank is regulated and supervised by the Malta Financial Services Authority (MFSA) and participates in Malta’s Depositor Compensation Scheme. FCM Bank was acquired by the SAB Group in November 2017.

The Group presently services over 18,000 corporate customers with an annual turnover of EUR 9 billion. Besides Malta, the Group also owns regulated financial institutions in the United Kingdom with offices in London, as well as in the Czech Republic and Slovakia.

SAB Group has superior knowledge of the corporate payment business and spot foreign exchange services, where it has established itself as the leader in the Czech market. We have extensive experience in banking and financial services with a fully-developed infrastructure and significant resources at its disposal.

SAB Group also has a stake in a Czech credit institution with more than 24 years experience in corporate financing solutions and real estate financing.

The Group in numbers

Years of Experience
18 000
Corporate Clients
9 billions
Annual turnover
Countries where we operate

Key Facts about FCM Bank

  1. Maltese Bank

    Headquartered in Malta; holder of a Maltese banking licence since 2010; regulated and supervised by the Malta Financial Services Authority (MFSA) and European Central Bank (ECB).

  2. Trusted Partner

    Moderate growth, marking FCM Bank as the most progressive corporate local bank.

  3. Business Focus

    The core business of the Bank is corporate lending with particular focus on real-estate financing.

  4. Long–Term Commitments

    We are building better Malta. We are financing development of more than 1,000 new apartments and houses. We also strive to provide support and collaboration to our clients and employees ensuring sustainable growth and success.

  5. Other Markets

    We are operating in Malta, Czech Republic, and Germany.

Mission & Vision


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. 


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

  1. Trust

    We build trust through reliability, consistency, and accountability, ensuring that our clients can always rely on us as their trusted financial partner.

  2. Integrity

    We uphold the highest standards of honesty, transparency, and ethical behaviour.

  3. 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.

  4. 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.

  5. Exceptionality

    We continuously strive to go above and beyond, delivering exceptional service, innovative solutions, and unparalleled experiences to our clients.

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 Professional Team

John Soler

Chairman & Non-executive Director

John has more than 40 years of experience in retail banking after holding several senior positions with Bank of Valleta plc (BOV). He led the bank’s operations for over a decade before being appointed to the senior management team as chief credit officer with responsibility for BOV’s lending portfolio, including consumer and business lending and mortgages. John was also responsible for BOV’s card business and trade financing.

Miroslav Halička

Chief Executive Officer

Miroslav Halička, with more than twenty years of expertise in risk management and finance, brings his wealth of experience and strong business skills to FCM Bank. He previously served as a director of Poštová banka Česká republika and held other key positions with renowned EU financial services institutions. His professional approach, determination together with his previous career achievements places him in this role of leadership with a clear focus on strategic business objectives.

Bonamy Mercieca

Chief Corporate Officer

Bonamy brings a wealth of experience to the Corporate department. She joined FCM Bank in 2018 and was responsible for setting up the corporate department. She has over 14 years of experience in the Banking industry, working in various areas and holding several senior Positions at HSBC mainly in Operations, Production Management and Process Improvement, Commercial and Corporate Banking both locally and internationally namely in Edinburgh, Madrid and London.

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 so that we can assist further.

We are here to help

Do you have any questions? Our team of specialists are ready to assist you.

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