FCM Bank

FCM Bank is a European bank with a full banking licence held since 2010, and its Malta branch sits in the Tower Business Centre at Swatar, on the Birkirkara side of the island's central corridor. The bank concentrates on two things: savings for private and corporate clients, and structured lending, particularly against property.

For a UK reader, the point of interest is a bank that is licensed in Malta, supervised in Malta and set up for personal appointments. Its branch offers private meetings, a premium banking service and a team of named managers, and you can start any conversation through the enquiry form on this page.

Savings and fixed-term deposits

The bank's headline savings product is a one-year euro fixed-term deposit. Its advertised rate is 2.78% a year, gross of tax, effective from 1 September 2026, and the idea is that you lock in a return for a set period while your everyday banking stays with your current bank. Short and longer terms are both available, and corporate clients have their own fixed-term deposit.

Top Saver Pro is a tiered savings account at an advertised 2.68% a year, again gross of tax and effective from 1 September 2026. It has three interest tiers, and the overall rate is a weighted average of the amount held in each tier, recalculated automatically whenever your balance changes. Always check the current rates with the bank, because they are tied to a stated effective date.

Premium banking and meetings

Premium Banking gives each client a dedicated banker, deposit solutions tailored to the client, and a private branch environment. Visitors are offered coffee or fresh fruit, private parking is available at the branch, and the bank holds client events for those who use the service. Day to day, the personal banker answers questions, updates you on requests, helps with existing facilities and guides new applications.

You can choose a date and time for a private meeting rather than wait for a slot, using the booking calendar on the bank's personal banking page. The branch is open Monday to Friday from 8.30am to 5pm. If you are moving from the UK, our Malta relocation guide covers the wider picture, and our financial services in Malta page explains the sector.

Business and property lending

On the corporate side the bank offers four loan types. The investment loan is for buying tangible and intangible assets, the real estate loan is for developments intended for resale, the project financing loan funds rental property developments, and the working capital loan covers day to day trading needs such as stock purchases or the gap between payments in and out.

The working capital loan is a short to medium term facility that can be renewed each year based on business performance. The bank quotes a loan to value of up to 90 per cent, accepts residential, commercial or other property as security, and promises quick approvals with tailored terms. Terms vary, so speak to the corporate team about your case.

Regulation, ownership and leadership

FCM Bank is authorised by the European Central Bank, regulated by the Malta Financial Services Authority (MFSA) and licensed to carry on banking business under Malta's Banking Act. It is also a member of Malta's Deposit Compensation Scheme. The bank operates in four EU markets: Malta, Germany, the Czech Republic and the Netherlands, and reported a record profit before tax of €9 million for 2025.

The leadership team includes John Soler as chairman and non-executive director, Miroslav Halička as chief executive, Bonamy Mercieca as chief corporate officer and Radka Chum as chief retail officer. Close by, APS Bank on Tower Street is another Birkirkara option, and you can compare more lenders in our directory of banks in Malta. To contact FCM Bank, use the VisitMalta.co.uk enquiry form on this page and we will pass your message to the bank.