Overview

• FNZ Bank leads the instant-access table with a 3.25% introductory rate for one month, after which the rate reverts to 0.75%.
• Norisbank pays 3.11% with a guarantee through year-end, contingent on opening a Girokonto.
• Ferratum (Multitude Bank) offers 2.8% without time limits for both new and existing customers under Malta’s deposit guarantee scheme.
• Under German institutions, Varengold Bank currently provides the highest ongoing rate for existing customers at 2.3%.
• Two-year fixed deposits peak at about 2.85% market-wide (example: Banca Progetto), one-year terms reach up to 2.67%, and German-insured caps are roughly 2.5% for two years and 2.4% for one year.