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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Open an account at FCM Bank
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FCM BankSpaarrekening met voorwaarden

Instant access · FCM Bank Limited · Malta · via Raisin
Open an account at FCM Bank
Rate
2.16%
variable
Your return on €10,000
€216
interest per year
Deposit guarantee
€10,000 fully protected
Maltese scheme

FCM Bank Limited · Depositor Compensation Scheme (Malta) · €100,000 per person per bank

Your calculation for €10,000

Gross interest over 1 year: €216.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 100€ 200start6 mo1 yr€216After 1 month: €18 rate · balance €10,018After 2 months: €36 rate · balance €10,036After 3 months: €54 rate · balance €10,054After 4 months: €72 rate · balance €10,072After 5 months: €90 rate · balance €10,090After 6 months: €108 rate · balance €10,108After 7 months: €126 rate · balance €10,126After 8 months: €144 rate · balance €10,144After 9 months: €162 rate · balance €10,162After 10 months: €180 rate · balance €10,180

Rate and conditions

BalanceRate
€0 – and up2.16%
Interest payout
quarterly, paid out
Fees
none
Rate valid since
14 Jul 2026
Access
Instant access
Minimum deposit
€1
Maximum deposit
€100,000
Current account required
no
For whom
new and existing customers
Open via
Raisin (Raisin) · for residents of the Netherlands via Raisin
  • Rente wordt elk kwartaal uitgekeerd op de Raisin-rekening
  • Raisin Bank houdt het deposito in trust aan bij de bank

Deposit guarantee

€10,000 fully protected
Maltese scheme

FCM Bank Limited · Depositor Compensation Scheme (Malta) · €100,000 per person per bank

Licence and verification
Institution
FCM Bank Limited
Status
Verified European deposit guarantee scheme
Scheme
Depositor Compensation Scheme (Malta) (Malta)
Guarantee
€100,000 per person per institution
Verification
Raisin wettelijke DGS-disclosure
detailsMalta Financial Services Authority
source ↗ · 18 Sep 2026
Taxes
Country
Malta
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Malta heft geen bronbelasting op spaarrente van niet-ingezetenen.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Read on:

Rate history

2.16% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of FCM Bank →All savings products of FCM Bank →

  • 2 Sep 2026New: FCM Bank – Spaarrekening met voorwaarden 2.16%

Rate checked on 18 Sep 2026.

After 11 months: €198 rate · balance €10,198After 12 months: €216 rate · balance €10,216
€ 0€ 100€ 200start3 mo6 mo9 mo1 yr€216After 1 month: €18 rate · balance €10,018After 2 months: €36 rate · balance €10,036After 3 months: €54 rate · balance €10,054After 4 months: €72 rate · balance €10,072After 5 months: €90 rate · balance €10,090After 6 months: €108 rate · balance €10,108After 7 months: €126 rate · balance €10,126After 8 months: €144 rate · balance €10,144After 9 months: €162 rate · balance €10,162After 10 months: €180 rate · balance €10,180After 11 months: €198 rate · balance €10,198After 12 months: €216 rate · balance €10,216
Is saving at a foreign bank safe? How the deposit guarantee works in Europe