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 * About Izola Bank
 * Izola Saver
 * Izola Saver +

 * BE EN
   * BE NL

Apply Now

MARKET LEADING RATES FOR EVERYONE


SMART AND SIMPLE ONLINE SAVINGS



A savings account where you earn 2,00% interest on the daily balance and you can
still add and withdraw funds as needed.

Term deposits with durations as short as 3 months, up to 10 years, with a
minimum deposit of just €500.

Stay in control of your savings with the bank that’s been in business for over
29 years.

Apply Now


WHY IZOLA SAVER AND IZOLA SAVER+?


ENJOY 2,80% P.A. FOR A 1 YEAR TERM DEPOSIT

Save money for your dreams, goals and future the smarter way.

Apply Now
2,80% Gross and 1,960% Net. P.A.

ATTRACTIVE RATES

Market leading rates for saving and term deposit accounts.

FLEXIBLE SAVINGS ACCOUNT

Enjoy the flexibility of adding or withdrawing funds, whilst always earning
interest on the balance.

100% DEPOSIT COVER

Your savings are covered by the Maltese Depositor Compensation Scheme up to
€100.000.

BELGIAN OWNED

Izola Bank is a Belgian owned Maltese bank and has been in successful business
since 1994.

 

EU CROSS BORDER BANKING SERVICES

The National Bank of Belgium (NBB) has been notified that Izola Bank plc, a
credit institution governed by the laws of Malta, an EU member state, carries
out banking services in Belgium within the framework of the freedom to provide
services.

SAVE YOUR WAY

Choose a term deposit with a duration that meets your plans, from 3 months up to
10 years.

REAL PEOPLE

We pride ourselves on always having a real person to speak to on the phone, or
online.

NO FEES

No hidden bank fees or charges.

BETTER THAN YOUR AVERAGE BANK’S SAVINGS ACCOUNT.


2,00% P.A.

 * Start saving with just €25.
 * Add or withdraw your funds whenever you like, without any impact on the 2%
   rate (calculated on your daily balance).
 * Open your account in minutes.

 * All savings are covered by the Maltese Depositor Compensation Scheme up to
   €100.000.

Apply Now

VIEW OUR GUIDE

ENJOY MARKET LEADING RATES THAT EVERYONE IS TALKING ABOUT!

 * 3 Mo.
 * 6 Mo.
 * 9 Mo.
 * 1 Yr
 * 2 Yr
 * 3 Yr
 * 4 Yr
 * 5 Yr
 * 7 Yr
 * 10 Yr

3 Months6 Months9 Months1 Year2 Years3 Years4 Years5 Years7 Years10 Years

3 MONTHS

2,25% P.A.
GROSS
(1,575 NET P.A.)

6 MONTHS

2,40% P.A.
GROSS
(1,680 NET P.A.)

9 MONTHS

2,60% P.A.
GROSS
(1,820 NET P.A.)

1 YEAR TERM DEPOSIT

2,80% P.A.
GROSS
(1,960% NET P.A.)

2 YEARS TERM DEPOSIT

3,10% P.A.
GROSS
(2,170 NET P.A.)

3 YEARS TERM DEPOSIT

3,30% P.A.
GROSS
(2,310 NET P.A.)

4 YEARS TERM DEPOSIT

3,40% P.A.
GROSS
(2,380 NET P.A.)

5 YEARS TERM DEPOSIT

3,45% P.A.
GROSS
(2,415 NET P.A.)

7 YEARS TERM DEPOSIT

3,50% P.A.
GROSS
(2,450 NET P.A.)

10 YEARS TERM DEPOSIT

3,65% P.A.
GROSS
(2,555 NET P.A.)
 * Once you open an Izola Saver account, you can easily open as many Izola
   Saver+ term deposit accounts as you like.
 * Enjoy durations ranging from 3 months to 10 years.
 * Start saving with as little as €500.

 * All term deposits are covered by the Maltese Depositor Compensation Scheme
   for deposits up to €100.000.

Apply Now

VIEW OUR GUIDE


SUPER CONVENIENT ONLINE SAVINGS

View your account balances, transaction history, add and withdraw funds from
your main savings account and open term deposit accounts on the move.

Start saving small
Open your Izola Saver Account with just €25 and an Izola Saver+ term deposit
with just €500.
Manage your account anywhere
Download Izola Saver Mobile to enjoy the full flexibility and visibility of your
savings.
Enjoy big returns
Choose a term deposit that matches your savings ambitions.



WHY SAVE WITH IZOLA BANK?

AS AN ETHICAL, RELEVANT AND AGILE BANK, WE ARE COMMENDED FOR DELIVERING
FINANCIAL SOLUTIONS WITH A HUMAN TOUCH. IN TODAY’S DIGITAL BANKING AGE, A
PERSONALISED SERVICE COULD BE THE MISSING LINK BETWEEN YOU AND YOUR SAVINGS
SUCCESS.

Izola Bank is wholly owned by the Van Marcke Group, a family run business in
Belgium which has been in successful operation for almost 100 years.

The Bank obtained its banking license in 1994 and is regulated by the Malta
Financial Services Authority (MFSA). It has been operating out of Malta for over
29 years, whilst servicing a growing customer base in Belgium, Malta and France.

Izola Saver was established in 2015 as an online savings account in
order to offer the market better rates and a more convenient way to save.

Learn more about Izola Bank Investor Information




OPEN YOUR IZOLA SAVER ACCOUNT NOW AND EXPERIENCE THE CONVENIENCE OF HASSLE-FREE
SAVINGS!

Apply Now


SAVE ON THE MOVE

LIFE DOESN’T SIT STILL AND NEITHER SHOULD YOUR SAVINGS.




YOUR MONEY IS SECURE.


AS YOUR IZOLA SAVER ACCOUNT IS CONNECTED TO ONE IBAN FROM YOUR PRINCIPAL BANK
ACCOUNT, TRANSFERRING MONEY INTO AND OUT OF YOUR ACCOUNT IS EXTREMELY SECURE.
MONEY CAN’T BE SENT OUT OF OR INTO ANOTHER UNAPPROVED ACCOUNT.


WANT MORE INFORMATION?

Download our comprehensive guide and view our Terms and Conditions

View Our Guide


LOOKING FOR MORE INFORMATION? PLEASE SELECT THE PRODUCT YOU ARE INTERESTED IN.


IZOLA SAVER GENERAL INFORMATION

IZOLA SAVER ONLINE SAVINGS ACCOUNT

ABOUT IZOLA SAVER

Izola Saver is a non-regulated online savings account that gives you the
flexibility of depositing or withdrawing funds as needed, whilst earning
interest on the balance of your account. You can manage your account by using
the Izola Saver Mobile App or the online banking platform.

Interested? We suggest you read the following information for a detailed product
overview.

INTEREST RECEIVABLE

Interest is calculated on a 360-day basis on the daily outstanding balance on
your Izola Saver account at the end of the day and is credited annually to your
Izola Saver account on 31st December or on the day when the account is closed.

FEES

There are no fees or charges for opening or maintaining an Izola Saver account.

TAXATION

Interest is paid gross (without tax being deducted). Non-regulated savings
account interests are subject to a withholding tax of 30%

YOUR CHOICE

Choose how much you want to save and how long for. There is no limit on the
duration of your Izola Saver account.

START SMALL

You can open an Izola Saver account with just €25.

FULLY FLEXIBLE

You can withdraw your funds whenever you like, without incurring any fees

WHO CAN APPLY?

To be eligible to open an Izola Saver account you must be over 18 years of age
and have a Principal Bank Account. A Principal Bank Account is an existing bank
account held in your name with an established bank in Malta, Belgium or France,
depending on your country of residency. Please note all applications are checked
individually to ensure they meet Izola Bank’s eligibility criteria.

Please note the Izola Saver account is not available for corporate entities.

EASY TO MANAGE

You can manage your account by using the Izola Saver Mobile App or the online
banking platform.

IZOLA SAVER MOBILE APP

The Izola Saver Mobile App gives you the flexibility of managing your savings on
the move. You can view account balances, transfer funds into and out of your
Principal Bank Account and you can open as many Izola Saver+ term deposit
accounts as you like.

STATEMENT

You will receive an annual paper statement of your Izola Saver account after
each year end which will list all transactions into or out of the account for
the preceding 12-month period.

SECURE

Izola Saver is designed so that you can only transfer money into or from your
Principal Bank Account. Money cannot be moved to a different account at any
time, ensuring extra peace of mind.

RISKS & GUARANTEES

Izola Bank is based in Malta and is licensed by the Malta Financial Services
Authority (MFSA) to carry out the business of banking in terms of the Banking
Act, 1994 (Chapter 371, Laws of Malta). The Malta Financial Services Authority
(MFSA) is the single regulator for financial services activities in Malta. It
regulates and supervises credit and financial institutions, investment, trust
and insurance business and also houses the country’s Companies Registry. Izola
Bank is participant in the Depositor Compensation Scheme in Malta. The Scheme
offers protection of up to €100,000 as per provisions under Subsidiary
Legislation 371.09, 44. Any funds in excess of €100,000 are not covered by the
Depositor Compensation Scheme. In the event of bankruptcy, you run the risk of
losing any deposits you have over €100,000. Izola Bank is licensed to conduct
banking business in Belgium through it’s passport licence. All Izola Bank’s and
your rights and obligations shall be subject to Maltese law. The Courts of Malta
shall have exclusive jurisdiction over all claims or disputes arising in the
event of litigation.

YOU CAN OPEN YOUR ACCOUNT IN MINUTES

We require some basic information about you, or you and your partner if you are
opening a joint account. This includes information such as your name/s, address,
identity card details and the IBAN number of the Principal Bank Account that you
will link to your Izola Saver account.

If you are opening a joint Izola Saver account, you must link this online
savings account to a Principal Bank Account that exists in both names.

NOT SATISFIED?

Complaints may be sent to by regular post or by email via our Help Centre. We
will try and resolve your complaint as soon as possible and we shall employ our
best efforts to provide a reply to all complaints within a maximum period of two
working days.

In the event you are not satisfied with our reply you may refer the matter to
the Arbiter for Financial Services by writing to:

Office of the Arbiter for Financial Services,
First Floor, St Calcedonius Square,
Floriana, FRN5130,
Malta

Or by visiting the  Arbiter for Financial Services website.

IMPORTANT

Please download our guide for full information on Izola Saver and Izola Saver+
before opening your account. This includes product information, the
account Terms and Conditions and also information on the Depositor Compensation
Scheme.


IZOLA SAVER+ GENERAL INFORMATION

ABOUT IZOLA SAVER+

Izola Saver+ is a term deposit account with a fixed interest rate. You can open
Izola Saver+ term deposit accounts for periods ranging from 3 to 9 months and 1
year up to 10 years. You can choose whether to have your interest paid
quarterly, six monthly or annually.

Izola Saver+ clients must open an Izola Saver account first.

Interested? We suggest you read the following information for a detailed product
overview.

FIXED RETURN

You know your return from the very beginning: the interest rate is set in
advance and does not vary. If the market interest rates increase or decrease you
will still receive interest payments according to the interest rate defined when
you opened your Izola Saver+ account.

The below interest rates are applicable for residents of Belgium.

Duration Interest Rate(Gross)  Interest Rate(Net of tax)3 months 2,25%  1,575% 6
months 2,40%  1,680% 9 months 2,60%  1,820% 1 year 2,80%  1,960% 2
years 3,10%  2,170% 3 years 3,30%  2,310% 4 years 3,40%  2,380% 5
years 3,45%  2,415% 7 years 3,50%  2,450% 10 years 3,65%  2,555% 

Rates are quoted gross of tax and are correct as at 01.07.2023.

Customers are notified by email of any upcoming interest rate changes.

FIXED TERM

Izola Saver+ is a term deposit account whereby your funds are locked up for a
set period of time. No deposits or withdrawals are allowed from the account for
the duration of the term.

YOUR CHOICE

Choose how much you want to set aside to place in your Izola Saver+ term deposit
account. Just ensure you won’t need access to these funds for the duration of
the term. You can open Izola saver+ term deposit accounts for periods ranging
from 3 to 9 months and 1 year up to 10 years.

START SMALL

You can open an Izola Saver+ account with just €500.

WHO CAN APPLY?

To open an Izola Saver+ account you first need to open an Izola Saver account.
You can manage your account by using the Izola Saver Mobile App or the online
banking platform. You can open more than one Izola Saver+ account. Izola Saver+
accounts are not available for corporate entities.

FEES

There are no fees or charges for opening or maintaining an Izola Saver+ account.
However, we will charge early payment fees, should you wish to close your Izola
Saver+ account before the end of the term. Please view our Terms and
Conditions to find out more about this.

RENEWAL

It is possible to renew your Izola Saver+ account upon maturity.

Interest Receivable

Interest from your Izola Saver + account is paid directly to your Izola Saver
account quarterly, half yearly or annually. You can select when you want to
receive your payments during the application process. Interest is calculated on
a 360-day basis on the balance of your Izola Saver+ account and credited to your
Izola Saver account depending on the interest payment frequency defined when you
completed the account opening form.

TAXATION

Interest is paid gross (without tax being deducted). Non-regulated savings
account interests are subject to a withholding tax of 30%.

EASY TO MANAGE

You can manage your account by using the Izola Saver Mobile App or the online
banking platform.

IZOLA SAVER MOBILE APP

The Izola Saver Mobile App gives you the flexibility of managing your savings on
the move. You can view account balances, transfer funds into and out of your
Principal Bank Account and you can open as many Izola Saver+ term deposits as
you like.

STATEMENT

You can view your Izola Saver+ accounts from the “Account Overview” screen
through the online banking platform.

SECURE

You can only open a Izola Saver+ account by transferring money from your main
Izola Saver account.

RISKS & GUARANTEES

Izola Bank is based in Malta and is licensed by the Malta Financial Services
Authority (MFSA) to carry out the business of banking in terms of the Banking
Act, 1994 (Chapter 371, Laws of Malta). The Malta Financial Services Authority
(MFSA) is the single regulator for financial services activities in Malta. It
regulates and supervises credit and financial institutions, investment, trust
and insurance business and also houses the country’s Companies Registry. Izola
Bank is participant in the Depositor Compensation Scheme in Malta. The Scheme
offers protection of up to €100,000 as per provisions under Subsidiary
Legislation 371.09, 44. Any funds in excess of €100,000 are not covered by the
Depositor Compensation Scheme. In the event of bankruptcy, you run the risk of
losing any deposits you have over €100,000. All Izola Bank’s and your rights and
obligations shall be subject to Maltese law. The Courts of Malta shall have
exclusive jurisdiction over all claims or disputes arising in the event of
litigation.

YOU CAN OPEN YOUR ACCOUNT IN MINUTES

In order to open an Izola Saver+ account, you must first open an Izola Saver
account with us. If you’re already an Izola Saver client, simply login to the
online banking platform or your Izola Saver Mobile App.

NOT SATISFIED?

Complaints may be sent to by regular post or by email via our Help Centre. We
will try and resolve your complaint as soon as possible and we shall employ our
best efforts to provide a reply to all complaints within a maximum period of two
working days.

In the event you are not satisfied with our reply you may refer the matter to
the Arbiter for Financial Services by writing to:

Office of the Arbiter for Financial Services,
First Floor, St Calcedonius Square,
Floriana, FRN5130,
Malta

Or by visiting the  Arbiter for Financial Services website.

IMPORTANT

Please download our guide for full information on Izola Saver and Izola Saver+
before opening your account. This includes product information, the
account terms and conditions and also information on the Depositor Compensation
Scheme.


THREE STEPS TO SMARTER SAVINGS

STEP 1

Applying is easy. To make it even faster you should have your identity card, a
recent utility bill showing your residential address and your Principal Account
IBAN number close by. A Principal Account is an existing bank account held in
your name (or joint names in case of a joint account) with an established bank
in Belgium, France or Malta depending on your country of residency.

STEP 2

When you complete the application, we will open your Izola Saver savings
account. To confirm the activation, you’ll need to transfer €25 to this account.
This money remains yours, with no fees or charges.

STEP 3

If you’d like to open a term deposit, simply transfer funds to your Izola Saver
account and then using our online banking or the Izola Saver mobile app, open
your term deposit with the duration that matches your savings ambitions. You can
open as many term deposits as you wish to.

Begin Application

Download our guide to saving around your lifestyle with Izola Saver


"I’VE BEEN SAVING WITH IZOLA BANK FOR OVER A YEAR NOW. ASIDE FROM ENJOYING GREAT
RATES, I REALLY LIKE THEIR SUPPORT TEAM. VERY HELPFUL AND PROFESSIONAL. HIGHLY
RECOMMEND!"

LORUM IPSUM

Still have questions?
We have the answers. Get in touch with our team today!

Get In Touch

CORPORATE

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PERSONAL

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HEAD OFFICE

Izola Bank p.l.c
53/58 East Street
Valletta VLT 1251
Malta

 * +356 2792 2040
 * +33 3 59 55 36 45
 * +32 71 96 25 25

 * Company Reg: C 16343
 * VAT No: MT 13175712
 * Swift BIC: IZOLMTMT

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Izola Bank p.l.c. is licensed to undertake the business of banking in terms of
the Banking Act (Cap 371 of the Laws of Malta) and is regulated by the MFSA
(Malta Financial Services Authority) with Company Registration Number C 16343.


 * About Izola Bank
 * Izola Saver
 * Izola Saver +

 * BE EN
   * BE NL

Apply Now
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