FIMBank
Trade Finance Bank, St Julian's · Mercury Tower, St Julian's STJ 3155, Malta
Enquire through VisitMalta.co.ukServices, hours and details last checked against FIMBank's own published information.
FIMBank plc is a Maltese trade finance bank with its head office at Mercury Tower in St Julian's. It provides letters of credit, guarantees, collections, factoring, forfaiting, foreign exchange, international payments, cash management and business credit. Enquiries go through the VisitMalta.co.uk form on this page.
FIMBank plc is a specialist trade finance bank based in St Julian's. It is aimed at businesses that buy and sell across borders rather than at everyday retail customers, and it helps exporters receive payment sooner and importers manage the terms of what they buy. The bank is listed in our directory of banks in Malta, and enquiries can be sent through the form on this page.
History and base in Malta
The group began in 1994 with the establishment of First International Merchant Bank, which started operations in 1995 and listed its shares on the Malta Stock Exchange in 2001. It took the name FIMBank in 2005. The founders chose Malta after a study looking for an onshore home with a robust regulatory framework, a respected banking tradition, a range of professional services and efficient costs.
In 2013 two institutions in the KIPCO Group acquired an 80 per cent stake. The group has built an international factoring network that includes partners in Egypt, India and Brazil, while the Trade and Commodity Finance department in Malta provides factoring services. For wider context on the sector, see our guide to financial services in Malta.
Malta's position helps trade finance. The islands lie 93 km from Sicily and 288 km from Tunisia, and the Malta Freeport is one of the Mediterranean's leading ports for container transhipment. Our Malta overview explains the wider setting.
Trade finance products
Letters of credit are central. The bank handles transferable, back-to-back, standby, revolving, and red and green clause credits, gives expert opinion on terms, confirms credits from emerging markets and helps check documents, under the international UCP 600 rules. Demand guarantees, which pay on a complying demand, are issued under the ICC's Uniform Rules for Demand Guarantees, and the bank assists with vetting guarantee texts.
Documentary collections give exporters more security than open account trading, although less protection than a letter of credit. Discounting of receivables and avalisation of bills of exchange are also offered. The wider offering covers forfaiting and factoring, structured so that exporters receive accelerated cash for receivables. Exporters selling to new buyers often use these tools to reduce the risk of non-payment, and importers use them to show suppliers that funds are available.
Payments, foreign exchange and local business
International payments cover inward and outward transfers in all major currencies, for trade settlements, capital investments and other transfers. Orders received by 15:30 are processed the same day, and same-day value is available in euro, US dollars or sterling for a fee under the standard tariff. A foreign exchange service and cash management products, including corporate and retail term deposits, are also available. Time zones matter for payments, so payments in other currencies are processed the same day depending on the destination's time zone.
For companies based in Malta, tailored credit financing and financing for established property developers complete the range. UK businesses trading with Maltese partners should read our Malta corporate tax structure overview, and those looking at retail alternatives can see MeDirect Bank.
Head office and how to enquire
In October 2026 the bank signed a strategic alliance with the Malta Chamber and supported Nature Trust Malta's wildlife rehabilitation work, which shows an active local profile. Cross-border clients can also use the group's presence across several continents, with the Malta office as the base for contact.
The head office is in Mercury Tower, a prominent part of the St Julian's skyline with over 8,000 square metres of modern, energy-efficient office space. For more on arriving and settling, see our relocation guide for UK arrivals. To ask about a facility, use the VisitMalta.co.uk enquiry form on this page and we will pass your message to the bank.
Questions about FIMBank
What does FIMBank do?
It is a Maltese trade finance bank providing letters of credit, guarantees, documentary collections, factoring, forfaiting, international payments, foreign exchange, cash management and credit for local businesses.
Where is the head office?
The head office is at Mercury Tower, The Exchange Financial and Business Centre, Elia Zammit Street, St Julian's STJ 3155, Malta, a prominent building on the St Julian's skyline.
Who are its customers?
It mainly serves traders, importers and exporters who want help managing political, credit and performance risk when dealing internationally, as well as local Maltese businesses seeking credit.
Is FIMBank listed?
Yes. The bank's shares have been listed on the Malta Stock Exchange since June 2001. It was founded in 1994, began operating in 1995 and adopted the FIMBank name in 2005.
How fast are international payments?
Payment orders received by 15:30 are processed the same day, and later orders go the next working day. Same-day value is available in euro, dollars or sterling for a fee.
Does it offer letters of credit?
Yes. It handles transferable, back-to-back, standby, revolving, and red and green clause letters of credit, gives opinions on terms and checks documents under UCP 600.
Does it accept deposits?
Its cash management offering includes corporate and retail term deposits, alongside a suite of international banking services. Ask the bank which terms, currencies and minimum amounts are currently available before you decide.
How do I contact the bank?
Use the VisitMalta.co.uk enquiry form on this page. We pass your message to the bank, so describe the facility or service you need, your company and the countries involved.
Practical information
The head office is at Mercury Tower, The Exchange Financial and Business Centre, Elia Zammit Street, St Julian's STJ 3155. The website gives no branch opening hours. International payment orders received by 15:30 are processed the same day. To ask about trade finance or other services, use the enquiry form on this page and VisitMalta.co.uk will pass your message to the bank.
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The details on this page were correct on 25 October 2026, as published on the FIMBank website. Services, prices and hours can change, so please confirm when you enquire.