APS Bank

APS Bank serves Gozo from its branch in Victoria, the island's main town, which is also known as Rabat. The branch has a cashier service, an ATM and a deposit machine, and the bank's list of locations gives the street as Main Gate Street, number 10. A Cashere APS ATM operates on Triq Fortunato Mizzi in Victoria, and another stands at 46 Triq il-Port in the harbour village of Marsalforn.

Whether you live on Gozo or come across on the ferry, our Gozo guide covers the island, and the directory of banks in Malta shows the alternatives. The bank's head office is the APS Centre in Birkirkara, listed as APS Bank Tower Street.

Banking for Gozitan businesses

Many Gozitan firms are small, owner-run businesses such as cafés, shops and tour operators, and APS has a business offer to match: business banking, a green term deposit, business loans and merchant acquiring. The merchant service lets a business start accepting credit and debit card payments. A partner provider handles the technology, with easy linking to the APS account, fast automated online onboarding, round-the-clock technical support and detailed reporting.

Existing business customers send the application form through the myAPS message hub or hand it in at a branch, while new customers use the contact form or telephone the bank. A business that sells to visitors will often want to take cards from its first day of trading, and arranging the service through the bank keeps payments and the account in one place, with a banker on hand to explain the next step. Companies looking at wider structuring questions can read about the corporate tax structure in Malta and speak to CLA Malta.

Currency and cash

APS issues indicative foreign exchange rates each weekday before 10am, with sterling among the currencies quoted, and these are for guidance only because the actual rate is set when a transaction takes place. The rates are not quoted on weekends or public holidays. For amounts above €15,000 the bank's Treasury Unit provides a tailored quote.

On the cash side, APS customers pay nothing to withdraw with a debit card at Cashere APS ATMs, but these machines do not take deposits, so the branch deposit machine is the place for that. Anyone going to the islands for a short break might also like our weather guide for Malta to plan spending around the seasons.

Accounts, loans and investing

Personal customers on Gozo can open current, savings and deposit accounts, apply for personal and home loans, and use debit and credit cards, all managed through myAPS internet and mobile banking. Investors can talk to an Investment Advisor in a branch about execution-only, advisory or discretionary services, and the bank also arranges personal and occupational pension plans. A free planning conversation comes first, so you can explain your goals before choosing anything. Gozo residents who prefer not to travel can also do much of the routine work online or through the contact centre, which answers every day.

Opening times and visiting Gozo

Through the winter, from 1 October to 14 June, branches open on weekday mornings and Saturday mornings, with Friday running until the afternoon. From 15 June to 30 September they keep morning hours Monday to Saturday. All branches close on public holidays, Easter Monday and 26 December, and the bank's contact centre answers calls every day from 8am to 9pm.

Once your banking is sorted, plan your stay with our page on hotels in Gozo, then take a boat trip using the Blue Lagoon guide, or try freediving with Apnea Total Malta. To ask APS Bank a question, use the VisitMalta.co.uk enquiry form on this page and we will pass your message to the bank.