EU ProtectedUpdated 27 February 2026

FCM Bank

FCM Bank Savings (via Raisin)

Interest rate

1.91%APY

Access

Instant

Protection

€100k

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Best for:Raisin UsersFlexibleEU Guarantee

EU Deposit Guarantee

Protected up to €100,000

Maltese bank via Raisin offering 1.91% flexible savings. Decent rate with EU protection. Accessible through Raisin platform.

Rates last verified: 27 February 2026

The verdict

What we like

1.91% flexible rate
EU deposit guarantee (Malta)
No minimum deposit
Access via Raisin

What to consider

Maltese bank (less familiar)
Need Raisin account
Smaller bank
Rate can change

Account details

Standard interest rate1.91% APY

Minimum depositNone required

Maximum deposit€100,000

Withdrawal accessInstant access

Deposit protection€100,000 EU guarantee

Earn up to

1.91%

annual interest

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You'll need your BSN and valid ID

Quick facts

Provider

FCM Bank

Access time

Instant

Protection

€100k guaranteed

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