APS Bank Birkirkara

The Birkirkara branch of APS Bank is in the APS Centre on Tower Street, the same address the bank uses as its registered office and business address. Visitors can pay in cash, withdraw money or sit down with an adviser at the address where the bank has its headquarters. The bank itself lists the branch as Birkirkara (Swatar), after the neighbourhood around it.

APS has served Maltese customers since 1910 and describes itself as the community bank in Malta, with a purpose of leaving no one behind. It belongs to FEBEA, the European federation of ethical and alternative banks. On VisitMalta.co.uk you will find it in our directory of banks in Malta.

Services at the Tower Street branch

This is one of the APS branches with a full cashier service, so you can handle cash transactions over the counter. There is also a cash machine and a deposit machine on site. Everyday requests that can be dealt with here include handing in the re-order slip for a new chequebook, asking for an official account statement, which costs €3, and submitting a loan drawdown request. Business customers can drop off their application for card payment acceptance at the branch too.

Exchange rates published online are only indicative, and staff at any branch can quote the actual rate for a transaction. The branch also follows the bank's wider access measures: customers aged 60 and over and holders of the EU Disability Card get priority from 08:30 to 09:30 on weekdays, and an autism friendly hour runs from 13:00 to 14:00, Monday to Friday, with softer lighting, less noise and still images in place of moving screens.

Personal accounts, savings and loans

Personal banking covers deposit and term deposit accounts, the APS Student account, debit and credit cards, Open Banking and the myAPS internet and mobile banking service. For readers with income in pounds, APS offers fixed deposits and ordinary savings accounts in sterling as well as in US, Australian and Canadian dollars, and a currency fixed deposit needs at least €1,000 or its equivalent. Rates change from time to time, so ask the branch for current figures.

Lending includes personal loans, home loans, a Green Home Loan, Eco Loans for energy saving improvements, and the Booost Student Loan and StudentAssist for people in education. Anyone planning a move from Britain may find our guide to relocating to Malta from the UK useful background before opening a local account.

Investments and pensions

Investment Advisors are based in APS branches, and Relationship Managers look after clients who want closer, ongoing support. The first financial planning conversation is free: an adviser reviews your income, spending, savings and existing assets, agrees your goals and risk appetite, and then proposes a plan. You can choose an execution-only service, where the bank simply carries out your orders, an advisory service, where you take the final decisions, or a discretionary service, where the bank manages the portfolio within limits you agree together.

The product range spans local and foreign bonds and shares, exchange traded funds, mutual funds, foreign currencies, insurance policies and pension plans, including the bank's own APS Funds, Kapital Plus, ReAPS Asset Management, the APS Personal Pension Plan and an Occupational Pension Scheme. For a wider picture of the sector, see our overview of financial services in Malta, and for the tax side our Malta tax guide for UK nationals.

Business banking and regulation

Companies can open business accounts, place money in a Green Term Deposit, apply for MDB Business Loans and take card payments through a merchant acquiring service run with a partner provider, which settles takings into the APS business account and comes with round-the-clock technical support.

APS Bank plc is regulated by the Malta Financial Services Authority as a credit institution and for investment services, and it is registered as a tied insurance intermediary. Its sustainable finance portfolio has reached €244 million.

Visiting and contacting the branch

Birkirkara is one of the larger towns in central Malta, and the town is a short drive from Sliema and Valletta. If you are visiting the island first, our guide to where to stay in Malta can help you choose a base nearby.

For investment, lending or business meetings it is best to book ahead. Write a short note describing what you need and when you hope to come in, and send it through the VisitMalta.co.uk enquiry form on this page. We will forward it to APS Bank so the team in Birkirkara can reply.