FCM Bank Ltd

FCM Bank Ltd is a Maltese credit institution authorized and supervised by the Malta Financial Services Authority under the Banking Act, operating primarily as a deposit-taking bank for retail and business clients. Its product set is centered on euro-denominated savings, with fixed-term deposits across multiple maturities and easy-access or notice accounts where available, delivered mainly through online channels with standard KYC/AML onboarding; eligibility, documentation, and funding methods depend on customer profile and residency. Payments are processed via SEPA using Maltese IBANs, and current account features or cards are limited or absent depending on the chosen product. Interest rates vary by term and product and are subject to change; minimum deposit amounts typically apply, interest is credited as defined in the contract, and early termination of term deposits is usually restricted or may incur penalties. Deposits are protected by Malta’s Depositor Compensation Scheme up to €100,000 per depositor, per bank, in line with EU rules; protection does not extend to returns above that limit or to non-deposit products. The bank is subject to EU prudential and conduct requirements and publishes product terms, fee schedules, and complaints procedures; unresolved complaints can be escalated to the Office of the Arbiter for Financial Services in Malta. Prospective customers should review current rates, fees, residency constraints, and withdrawal conditions, and consider liquidity and interest-rate risks inherent in fixed-term savings.