Nemea Bank is a modern pan-European provider of banking and investment services, serving a discerning, international client base of individuals based in the 31 countries of the EU/EEA area. As an online-only bank, Nemea Bank does not operate a traditional network of physical branches but distributes its services exclusively online providing superior accessibility, efficiency and convenience to its clients. The bank's spearhead product is the Nemea Instant Payment, which enables global money transfers for free and in real time. Nemea Bank is EU-regulated by the Malta Financial Services Authority. The Bank offers a suite of premium online personal and business bank accounts, including current, savings and term deposit accounts ranging from 1 month to 5 years in maturity with interest rates of up to 3.50% p.a. It is a member of the Maltese Depositor Compensation Scheme, which protects client deposits up to €100,000 per client. Nemea Bank currently provides full client support services and communication in 7 languages: English, Spanish, French, Dutch, Italian, Greek and Finnish.