For most people, changing banks is not high on the to-do list. Everyday banking is already set up and, if everything works, there is little reason to change it.

But does your everyday bank also have to be the place where you keep your savings?

Everyday banking and saving serve different purposes. You can keep your existing bank for daily transactions while choosing a different solution for your savings – one that better reflects your financial priorities.

This idea is at the heart of FCM Bank’s “Choose Beyond the Ordinary” campaign.

“Many people assume that accessing better deposit rates means they have to switch banks entirely. But these are two separate decisions. You can be perfectly happy with the bank you use every day and still consider whether there may be a more suitable place for your savings,” says Radka Chum, Chief Retail Officer at FCM Bank.

Look beyond convenience

Savings often remain in the same place simply because it is convenient. But it can be worthwhile to periodically review whether your money is still being held in a way that reflects your priorities.

For those who know they will not need part of their savings for a defined period, a fixed-term deposit offers clarity, with the interest rate and term known from the outset.

And the decision is not only about rates. Service, accessibility and personal support matter too.

Through FCM Bank’s Premium Banking, clients have access to dedicated Relationship Managers who can explain the available options, assist with account opening and provide ongoing support.

So, ask yourself one simple question:

If you were deciding where to place your savings today, would you automatically choose the same place where they are sitting now?

You do not have to change your everyday bank. Sometimes, it is simply about making a different decision for your savings.

Choose Beyond the Ordinary.

 

The rate is gross of tax and immediately applicable for deposits of €2,000 and more. Terms and conditions are available on FCM Bank’s website. Withdrawals are allowed only upon maturity of the selected term. Rate quoted is applicable as at 01/09/2026 until further announcement. Deposits with FCM Bank are covered by the statutory Depositor Compensation Scheme, subject to applicable conditions and limits. FCM Bank Ltd is regulated by the MFSA and is licensed to carry out the business of banking in terms of the Banking Act (Cap. 371 of the Laws of Malta).

 

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