Rates and fees
Updated 25 October 2026. Also as data: rates.json.
Savings
| Account | Rate |
|---|---|
| Instant access savings | 2.10% AER |
| 12-month fixed savings | 2.85% AER |
| USD account | 0.50% AER |
Current accounts
| Plan | Monthly fee | Overdraft |
|---|---|---|
| Basic | €0 | 14.90% EAR |
| Plus | €4.90 | 12.90% EAR |
| Premium | €12.90 | 9.90% EAR |
Malshin Card
| Annual fee | €0 |
|---|---|
| Purchase rate | 18.9% (variable) |
| APR representative | 18.9% |
| Foreign purchases | 0.00% |
| Cash withdrawals | 3%, min €3, at 24.9% |
| Late payment | €12 |
Loans and mortgages
| Product | Rate |
|---|---|
| Personal loan, €5,000 to €25,000 | from 6.4% APR |
| Car loan | from 5.9% APR |
| 2-year fixed mortgage | 3.69% |
| 5-year fixed mortgage | 3.49% |
| Variable mortgage | 4.10% |
Payments
| Payment | Arrives | Cost |
|---|---|---|
| Between your Malshin accounts | At once | €0 |
| Instant euro transfer, up to €1,000 | Within 10 seconds | €0 |
| Euro transfer (SEPA), sent by 15:00 | Next working day | €0 |
| International transfer, outside the euro area | 1 to 3 working days | €9 + 0.4% FX margin |
| Daily limit in online banking | €10,000 |