A small bank with big-bank basics
Banking that stays out of your way.
A current account with no monthly fee, savings at 2.10% AER, and a card that charges nothing abroad. Open one in about ten minutes, from your phone or in a branch.
Deposits protected up to €100,000 per customer.
Everything you need, nothing you don't
Current accountBasic is free. Plus (€4.90 a month) adds travel insurance and fee-free ATMs worldwide.Compare plansSavingsInstant access at 2.10% AER, or lock in 2.85% AER for 12 months.See savings ratesMalshin CardA credit card with no annual fee, 0% foreign fees and 1% back on travel.About the cardLoans and mortgagesPersonal loans from 6.4% APR representative. Mortgages fixed for 2 or 5 years.Check what you could borrow
Today's rates
Updated 25 October 2026. Every rate and fee is on one page, with no small print elsewhere.
All rates and feesWe never ask for your PIN
Not by phone, email or chat. If someone does, it isn't us. Call 0800 548 3346, any time.
How to spot a scamSix branches, real people
In Amsterdam, Berlin and Lisbon, open Saturday mornings. Book a 30-minute appointment online.
Find a branchAsk Malshin, day or night
Our assistant answers questions about accounts, cards and rates. Signed in, it can check your balance and help you pay.
What the assistant can do