{"bank":"Malshin Bank","fictional":true,"updated":"2026-10-25","currency":"EUR","currentAccounts":[{"key":"basic","name":"Basic","monthlyFee":0,"atm":"5 a month, euro area","overdraftEar":14.9,"extras":"Debit card, instant transfers, the app"},{"key":"plus","name":"Plus","monthlyFee":4.9,"atm":"Unlimited, worldwide","overdraftEar":12.9,"extras":"Travel insurance, no fees on cash abroad"},{"key":"premium","name":"Premium","monthlyFee":12.9,"atm":"Unlimited, worldwide","overdraftEar":9.9,"extras":"Travel and phone insurance, airport lounges, priority line"}],"savings":[{"key":"instant","name":"Instant access savings","rateAer":2.1,"note":"Take money out any time"},{"key":"fixed12","name":"12-month fixed savings","rateAer":2.85,"note":"From €1,000, locked for 12 months"},{"key":"usd","name":"USD account","rateAer":0.5,"note":"Hold and pay in US dollars"}],"card":{"name":"Malshin Card","annualFee":0,"foreignFeePct":0,"travelCashbackPct":1,"interestFreeDays":56,"purchaseRate":18.9,"aprRepresentative":18.9,"representativeLimit":1200,"cashFeePct":3,"cashFeeMin":3,"cashRate":24.9,"lateFee":12,"limitMin":500,"limitMax":10000,"replacementDays":5},"loans":[{"key":"personal","name":"Personal loan, €5,000 to €25,000","rate":"from 6.4% APR","aprFrom":6.4},{"key":"car","name":"Car loan","rate":"from 5.9% APR","aprFrom":5.9},{"key":"fixed2","name":"2-year fixed mortgage","rate":"3.69%","aprFrom":3.69},{"key":"fixed5","name":"5-year fixed mortgage","rate":"3.49%","aprFrom":3.49},{"key":"variable","name":"Variable mortgage","rate":"4.10%","aprFrom":4.1}],"payments":{"instantMaxCents":100000,"dailyLimitCents":1000000,"assistantDailyLimitCents":250000,"sepaCutoff":"15:00","internationalFee":9,"fxMarginPct":0.4,"disputeWindowDays":120,"disputeDecisionDays":10,"table":[{"what":"Between your Malshin accounts","arrives":"At once","cost":"€0"},{"what":"Instant euro transfer, up to €1,000","arrives":"Within 10 seconds","cost":"€0"},{"what":"Euro transfer (SEPA), sent by 15:00","arrives":"Next working day","cost":"€0"},{"what":"International transfer, outside the euro area","arrives":"1 to 3 working days","cost":"€9 + 0.4% FX margin"},{"what":"Daily limit in online banking","arrives":"","cost":"€10,000"}]}}