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SAVINGS Account (denominated in EUR)

The BOV Savings Account is the basic account that any person should have in his portfolio. Seamlessly available from across the Bank’s self-service banking channels and branches, it is ideal for depositing your monthly income or any disposable income on a short-term basis.



Terms & Conditions
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Whether you are already a BOV customer or thinking of opening your first account, the BOV Savings Account is one of the basic products that you should have in your portfolio. It gives you easy access to deposit your funds, is flexible to use from across the Bank’s extensive range of self-service banking channels and retail network, and earns interest.

Open a BOV Savings Account today. Here’s how:
  • Present your ID Card for identification purposes, if you are a Maltese resident. A bankers’ reference and passport copy is required for non-residents,
  • Deposit an initial minimum balance of €200.00 if you do not already have other BOV accounts,
  • The minimum deposit is waived if you provide evidence of direct credits or other regular deposits to the account, or if you are a BOV Club Member.
Check out the account’s features and benefits

As a BOV Savings account holder, you may:

  • Deposit your funds anytime;
  • Manage your account with your BOV Cashlink Card and BOV VISA Electron Card,
  • Monitor your account using the Bank’s ATMs, BOV 24X7 Services and BOV Mobile,
  • Effect transfers to other accounts – your own or third parties using the BOV 24X7 Services platform,
  • Pay other BOV customers or receive payments from them using BOV Mobile Pay,
  • Provide instructions on standing orders and direct credits or debits – either through your BOV Relationship officer, or via your BOV 24x7 Service
So, the BOV Savings Account gives you these benefits:
  • Flexibility of usage;
  • Interest on daily balances is paid every 22nd December and a statement is issued every end of December;
  • Availability of funds (24 hrs-a-day, 7 days-a-week) via the BOV fleet of ATMs, BOV Mobile and BOV 24x7 Services;
  • Higher accessibility through BOV Cashlink Card and BOV Visa Electron Cards;
  • Added safety of keeping your cash in the Bank, and
  • Payment of 15% FWT on interests earned (for Maltese residents)


Interest Rates

The interest rates payable on a BOV Savings Account are available here.

Fees and Charges

Charges on the BOV Savings Account are incurred only on unauthorised overdrawing, generally resulting from ATM or EPOS transactions. Penalty is currently €11.65. Check out the Product Info Guide for the latest updated version of the Terms and Conditions.

Fees and charges may change after this product has been acquired and peripheral products may incur their own costs.

Please contact any BOV Branch or our BOV Customer Service Centre on 2131 2020 for additional information.

High credit  balances on non-personal account may attract a fee as specified in the Bank's Tariff of Charges
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  • If you are already a BOV Customer, click here 

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Depositors Compensation Scheme
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Account Switching - Product Information Guide
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Savings Account - Product Information Guide
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Savings Account - FID
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).