3 months
1.55% (paid Annually)
Max. €100,000
FCM Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by FCM Bank.
- The return on the FCM Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 1.55% annually for a duration of 3 months.
- Savings are protected under the national deposit insurance scheme of Malta.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by FCM Bank.
How much interest does the FCM Bank Festgeld - raisin pay?
FCM Bank offers the fixed-term deposit “Festgeld - raisin” in 4 different terms, with annual percentage yields ranging from 1.00% to 1.55%. The highest interest is paid for the 3-month fixed-term deposit.
You can find an overview of all conditions for the FCM Bank fixed-term deposits below:
Term
Interest rate
Deposit amount
6 months
1.2% (paid Annually)
Max. €100,000
9 months
1% (paid Annually)
Max. €100,000
12 months
1% (paid Annually)
Max. €100,000
Who is behind FCM Bank?
FCM Bank is a Maltese bank licensed and regulated by the Malta Financial Services Authority (MFSA). The bank specializes in deposit and lending products targeted at retail and corporate clients within the European Economic Area. FCM Bank was founded in 2010 and was taken over by the Czech SAB Group in November 2017.
How safe is my money with FCM Bank?
Deposits with FCM Bank are covered by the Maltese national deposit insurance scheme, which protects up to 100,000 euros per depositor in accordance with EU law. Malta holds an investment-grade sovereign credit rating of A-, which reflects a stable financial environment.
How can I manage the Festgeld - raisin account?
Your FCM Bank fixed-term deposit is managed entirely through the Raisin online platform. You can view balances, initiate transfers, and download documents via the Raisin web interface or the Raisin mobile app for iOS and Android.
The web interface and applications are available in German, English, Finnish, French, Dutch, Polish, and Spanish. Customer service is provided in local languages via secure messaging in the online banking and by phone. Since the account is operated through Raisin, you are not dependent on FCM Bank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the FCM Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with FCM Bank is done fully online via the interest marketplace Raisin.
Raisin is based in Berlin, Germany. Using the marketplace, you only need to register once and can then open several savings options, such as a FCM Bank's fixed-term deposit, across Europe and the globe within minutes. The Raisin platform is available to adults residing in Germany, Austria, France, Ireland, the Netherlands, Poland, Spain, the United Kingdom, and the United States. However, product offerings may vary by country.
You require a valid ID or passport to complete the identification procedure. In Germany, it can either be performed online via VideoIdent or in person at a post office branch (PostIdent). Once complete, you will get a reference account with Frankfurt-based Raisin Bank to which you shall connect your personal German current account. Afterwards, you can open the fixed-term deposit with FCM Bank. The desired amount will automatically be transferred from your Raisin reference account to FCM Bank.
About the Author
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