German Savings Account

2.58 % p.a.

Highest interest rate on total balance, online and easy set-up, no hidden fees. Access your money at any time, no notice period.

Why our Savings Account?

  1. Highest interest rate

    Place your available resources in a savings account with one of the highest interest rates.

  2. Your money is protected

    The money you deposit with FCM Bank is protected - up to €100,000 under Deposit Guarantee Scheme.

  3. Interest on the entire deposit

    The interest rate is the interest rate on your entire deposit.

  4. No hidden fees

    With us you will not encounter any hidden fees, everything can be found in the detailed price list.

  5. Money at your disposal

    Access your money within 3 days.

  6. Free set-up and management

    Opening and maintenance is free of charge and without the need to maintain a current account or use other banking products.

Interest rates

The given interest rate is the interest on the entire amount of your deposit.


Deposit amount in EUR Annual interest rate
Up to EUR 100,000 2.58 %

Effective as of 20th April 2023.


The maximum deposit is EUR 100,000. 

FCM Bank does not charge any fees to open an account. There may be fund-transfer charges from your origination bank. For further information about charges view the Guide to Fees and Charges.

For all amount of deposits, interest is paid on a monthly basis and is compounded to the same account.

Yes, FCM Bank is a participant in the Depositor Compensation Scheme as established under the laws of Malta.

Key Facts about FCM Bank

  1. Maltese Bank

    Headquartered in Malta; holder of a Maltese banking licence since 2010; and 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.

We are here to help

Do you have any questions? Our team of specialists is at your service.

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