Introducing TOP Saver PRO - FCM Bank's most innovative savings account yet

Reinforcing its commitment to innovation and customer-focused banking, FCM Bank is proud to launch TOP Saver PRO, a new savings account designed to meet the needs of today’s smart savers. Effective from 1 July 2025, this account brings together guaranteed returns, full flexibility, and industry-leading service—all under one product.

In a dynamic financial environment, customers are looking for solutions that are not only rewarding but also accessible and transparent. TOP Saver PRO delivers on all fronts, offering a guaranteed gross interest rate of up to 2.48% per annum until 31 December 2025, while allowing customers to withdraw their funds at any time—without penalties or restrictions.

A smarter way to save

Whether you’re planning for the future, saving for a life goal, or simply want to make your money work harder, TOP Saver PRO is the ideal solution. With a minimum opening balance of just €2,000, the account is available to a wide range of individuals seeking better value from their savings.

The account features a tiered interest structure, with competitive average rates across various deposit levels, making it attractive for both smaller and larger savers. Interest is calculated monthly and added directly to your balance—maximising your earnings through the power of compounding.

Trusted banking with real benefits

TOP Saver PRO is more than just a product—it’s a reflection of FCM Bank’s strategic focus on simple, secure, and transparent banking.

“TOP Saver PRO represents our ongoing commitment to delivering financial products that are built around our clients—their flexibility, their goals, and their trust in us,” said Miroslav Halicka, CEO of FCM Bank. “Whether you're saving for something special or simply looking to grow your funds, this is the smart choice.”

All deposits are protected up to €100,000 under Malta’s statutory Deposit Guarantee Scheme, offering customers peace of mind while they earn.

Banking made personal and digital

TOP Saver PRO is easy to open, either in person at FCM Bank’s branch in Tower Business Centre, Birkirkara, call 2248 8001 for an appointment  or go online through the Bank’s secure digital platform at www.fcmbank.com.mt. Backed by exceptional customer service, the bank is committed to making the onboarding experience smooth, fast, and personal.

Supporting Businesses Too

In addition to retail banking, FCM Bank continues to serve Malta’s business community by providing tailored project financing solutions for entrepreneurs and SMEs. Clients are encouraged to contact the bank to discuss customised funding options that can help bring their business ideas to life.

Depositors are encouraged to read our terms and conditions by visiting  https://www.fcmbank.com.mt/terms-conditions/.

Discover a smarter, more flexible way to save—only with FCM Bank

FCM Bank Ltd is regulated by the MFSA and is licensed to carry out the business of banking in terms of the Banking Act (Cap. 371 of the Laws of Malta)