FCM BankSpaarrekening met voorwaarden
Instant access · FCM Bank Limited · Malta · via Raisin
- Rate
- 2.43%
- variable
- since 20 Oct 2026
- Your return on €10,000
- €243
- interest per year
- Deposit guarantee
- €10,000 fully protectedMaltese scheme
FCM Bank Limited · Depositor Compensation Scheme (Malta) · €100,000 per person per bank
Your calculation for €10,000
Gross interest over 1 year: €243.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.43% |
- Interest payout
- quarterly, paid out
- Fees
- none
- Rate valid since
- 20 Oct 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-disclosuresource ↗ · 2 Nov 2026
details
Malta Financial Services Authority
Taxes
- Country
- Malta
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Malta withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 20 Oct 2026 | 2.43% | current |
| 22 Sep 2026 | 2.26% | 20 Oct 2026 |
| 2 Sep 2026 | 2.16% | 22 Sep 2026 |
All historic rates of FCM Bank →All savings products of FCM Bank →
- 20 Oct 2026FCM Bank – Spaarrekening met voorwaarden: 2.26% → 2.43%
- 22 Sep 2026FCM Bank – Spaarrekening met voorwaarden: 2.16% → 2.26%
- 2 Sep 2026New: FCM Bank – Spaarrekening met voorwaarden 2.16%
Rate checked on 2 Nov 2026.