APS Bank

The APS Bank branch in St Paul's Bay stands on Mosta Road and works without a cashier: customers use an ATM and a deposit machine instead, and can book an appointment when they need to talk to staff. The bank has served Maltese customers since 1910, and its head office is the APS Centre in Birkirkara. Our entry for the APS Bank Tower Street branch covers the headquarters site.

St Paul's Bay, Buġibba and Qawra form one continuous resort strip on the north-east coast, busy with visitors from the UK. If you are choosing a bank for a longer stay, our directory of banks in Malta lists the main alternatives.

Cash machines around the bay

Alongside the branch machines, APS has installed co-branded Cashere APS ATMs in the area: on Promenade Street in Buġibba, on Triq Dawret Il-Qawra in Qawra, and on Triq Il-Port Ruman in St Paul's Bay. These machines handle cash withdrawals with a choice of banknotes, balance enquiries, PIN changes and contactless payments from physical cards and digital wallets. They do not accept deposits.

APS customers using a debit card withdraw cash free of charge and without a limit on the number of withdrawals, and these transactions do not use up the four free monthly withdrawals that apply at other local banks' machines. Cash taken with an APS credit card costs 0.30 per cent of the amount, with a minimum of €0.30. Any cardholder can report a problem to the Cashere contact centre, which is staffed around the clock.

Opening times and accessibility

Branches open from 8.30am on weekdays and on Saturday mornings, closing earlier in summer, and they stay shut on public holidays, Easter Monday and 26 December. Customers aged 60 and over and holders of the EU Disability Card are seen first on weekdays between 8.30am and 9.30am, and an autism friendly hour from 1pm to 2pm brings softer lighting and lower noise to reception and meeting rooms.

Telephone support is available every day from 8am to 9pm, and an online help centre offers guidance at any time. Customers can also use myAPS internet and mobile banking for accounts, payments and investment holdings.

Sterling, statements and first steps

Holidaymakers and new arrivals often ask about changing pounds. APS publishes indicative exchange rates every weekday before 10am, with sterling among the currencies quoted, and the actual rate is confirmed at the branch or through the contact centre when you transact. Amounts above €15,000 are handled by the Treasury Unit, whose staff quote rates for the specific deal. A printed official statement costs €3, and a new chequebook can be ordered through the app, by phone or at a branch.

First-time customers can ask the bank's virtual assistant, AVA, to schedule an appointment within moments, which suits a branch that has no cashier desk.

What APS offers and where to spend your day

Personal services include current, savings and deposit accounts, student accounts, cards, personal and home loans, and pension plans. Business customers can arrange business banking, merchant acquiring for card payments and business loans, and investors can use execution-only, advisory and discretionary services. APS Bank plc is regulated by the Malta Financial Services Authority.

Many people use the branch before or after a day on the water. Abyss Diving Club in Buġibba and Aquatica scuba diving are within a short walk, as are Amazing Boat Trips Malta and Aquamarine Watersports in Buġibba Square. Our pages on hotels in Qawra and St Paul's Bay, the Mellieħa area guide and the weather in Malta by month help you plan around them. 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.