German Saving Account

0,41 % 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 Saving 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 0,41 %


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 quarterly 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).

  2. A Trusted Savings Partner

    We have been serving our savers with some of the best products in the market for ten years. All deposits are covered by the Depositor Compensation Scheme.

  3. Long-Term Commitments

    We know long-term goals and results must take priority over short-term success.

  4. A Business Focus

    We are specialists in corporate financing solutions designed to meet the needs of micro businesses, SMEs and large corporates.

  5. The Best Service on the Market

    We are constantly on the lookout for solutions in order to improve the customer experience.

  6. Exceptional Personal Banking Services

    We provide a person you can trust and depend on; someone who will always be there putting the best ideas forward.

We are here to help

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

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