FCM Bank bankers bring clients closer through personalised service and enhanced rewards
At FCM Bank, relationships are at the heart of banking. By putting their corporate and retail bankers front and centre, the bank ensures that clients experience truly personalised service. From tailored financial guidance to the recently enhanced Referral Programme, FCM Bank’s team of bankers plays a pivotal role in making banking more accessible, transparent, and rewarding for every client.
Times of Malta spoke with key members of the FCM Bank’s Corporate and Retail Banking teams to discuss the bank’s latest updates and what sets its approach apart in Malta’s competitive banking environment.
Times of Malta: FCM Bank has recently announced an enhancement to its Referral Programme. What motivated this change?
FCM Bank: "Our customers’ trust and feedback are the driving forces behind everything we do. We’ve seen how much our clients appreciate being part of FCM Bank’s growth story, so we wanted to give something back. That’s why we’ve decided to increase the rewards in our Referral Programme. From next week, both the existing customer and the referred client will receive a voucher — starting from €50 for deposits above €50,000, up to €200 for deposits above €200,000.
It’s a simple way to thank our clients for their loyalty and for recommending us to their network. We value personal connections, and we believe banking should be built on exactly that — trust and relationships, "noted Josef Mallia, Deposit Sales Representative.
Times of Malta: How does FCM Bank ensure a premium customer experience for both individual and corporate clients?
FCM Bank: "At FCM Bank, we take pride in offering a truly personalised approach. Whether it’s a retail client looking for a secure place to grow their savings or a corporate partner seeking tailored financial solutions, we focus on understanding their specific goals.
Our clients appreciate that they can reach us directly — no long waiting times, no automated barriers. Every client has access to a dedicated relationship manager who provides guidance and support throughout their journey with us, " said Vanessa Bonnici, Deposit Sales Representative.
"Premium customer service, for us, means reliability, accessibility, and transparency. It’s about making every client feel valued and ensuring that every interaction reflects the trust they’ve placed in us ", added Isabelle Grixti, head of Deposit Malta, highlighting the bank’s focus on client relationships.
Times of Malta: What can customers expect next from FCM Bank?
FCM Bank: "We will continue to listen to our clients and shape our products around their needs. Our goal is to grow sustainably, with the same personal approach that has always defined us, " highlighted Petra Rizzo, Team Head Corporate Malta. "Our approach is highly personalised — we work closely with each client to understand their objectives, cash flow requirements, and expansion strategies. By offering flexible terms and expert guidance, we help businesses access the financing they need while building a long-term partnership based on trust and transparency. "
Times of Malta: What sets your approach to corporate relationship management apart in today’s competitive banking environment?
FCM Bank: "Our approach stands out because we focus on long-term partnerships rather than transactional relationships. We take the time to understand each client’s business model, operational challenges, and growth plans, so we can offer tailored solutions instead of generic products. What truly differentiates us is our accessibility—clients have a dedicated relationship manager who knows their portfolio and can respond quickly, efficiently, and with a deep understanding of their needs. This combination of personalised service, agility, and strategic insight allows us to support clients proactively and help them navigate a constantly evolving business environment. " Noted Mandy Borg, Team Head Corporate, Malta.
To learn more about FCM Bank’s personalised services, the enhanced Referral Programme, or corporate lending solutions, visit www.fcmbank.com or speak directly with one of our dedicated bankers today — and discover how FCM Bank can help you achieve your financial goals.
Terms and conditions apply. For more information about the Referral Programme and FCM Bank’s services, visit www.fcmbank.com.
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)
Follow us