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At APS Bank, we’re committed to offering a vast product portfolio to ensure you find the perfect deposit account that fits your needs.
APS Current Account
A cheque account is a common reference to an APS Current Account.
To open an APS Current Account:
- A minimum deposit of €25 is required and;
- You must be 18 years of age.
When opening an APS Current Account, you are given the option to apply for myAPS internet and mobile banking service, apply for a chequebook, an APS Debit Card and an overdraft subject to the Bank’s approval.
APS Savings Account
Strengthen the financial security and the general well-being of your loved ones when it matters most with the APS Savings Account.
To open an APS Savings Account:
- A minimum deposit of €25 is required and;
- You must be 16 years of age.
When opening an APS Savings Account, you are given the option to apply for myAPS internet and mobile banking service and an APS Debit Card.
APS Online Account
The APS Online Account paves way for a more convenient, and efficient way of banking. This type of APS Deposit comes with a favourable interest rate, compared to a savings account, and allows for reduction in the use of paper and more time-efficient.
To open an APS Online Account:
- A minimum deposit of €25 is required and;
- You must be 16 years of age.
When opening an APS Online Account, you are given the option to apply for myAPS internet and mobile banking service, an APS Debit Card and an overdraft subject to the Bank’s approval.
APS Student Online Account
Broaden and empower your opportunities of achieving a successful career with the APS Student Online Account, which comes with preferential interest rates and more!
To open an APS Student Virtual Account:
- A minimum deposit of €25 is required and;
- You must be 16 years of age.
When opening an APS Student Virtual Account, you can apply for myAPS internet and mobile banking service, an APS Debit Card and for an overdraft (if over 18 years) and subject to the Bank’s approval.
APS Basic Payment Account
The APS Basic Payment Account gives you the flexibility to receive and make payments at your own convenience.
To apply for an APS Basic Payment Account:
- You must be legally residing in an EU country and do not hold another Deposit Account in Malta and;
- 18 years of age
When opening an APS Basic Payment Account, you are given the option to apply for myAPS internet and mobile banking service, an APS Debit Card to at your convenience.
APS Term Deposit Account
Deposit your funds in a simple, safe, and secure account for a certain amount of time with the APS Term Deposit Accounts!
At APS Bank, we offer one of the most flexible term deposit solutions in Malta.
To apply for an APS Term Deposit Account:
- A minimum deposit of €1,000 is required and;
- You must be 16 years of age.
FREQUENTLY ASKED QUESTIONS
Account support
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- Update your address via the Settings icon in myAPS desktop
- Send a secure message via myAPS
- Visit your nearest branch
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- Update your address via the Settings icon in myAPS desktop
- Send a secure message via myAPS
- Visit your nearest branch
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Book an appointment
"*" indicates required fields
Compare the APS Deposit Accounts
Account Type | Current Account | Savings Account | Online Account | Student Online Account | Basic Payment Account | Term Deposit Account |
---|---|---|---|---|---|---|
Transactions | myAPS (desktop version & app version), APS VISA Debit Card, Cheque book, and Branch | myAPS (desktop version & app version), APS VISA Debit Card, and Branch | myAPS (desktop version & app version), APS VISA Debit Card, and Branch | myAPS (desktop version & app version), APS VISA Debit Card, and Branch | myAPS (desktop version & app version), APS VISA Debit Card, and Branch | myAPS (desktop version & app version) and Branch |
Interest Rates | Non-interest Bearing. | i) 0.05% p.a up to €500,000 ii) 0.00% p.a over €500,000 | i) 0.20% p.a for amounts less than €25,000 ii) 0.10% p.a for amounts €25,000 and over but less than €500,000 iii) 0.05% p.a for amounts more than €500,000 | i) 1.5% p.a for amounts up to €5,000 ii) 0.05% p.a for amounts over €5,000 | Non-interest Bearing. | i) 1 Month: 0.03% ii) 3 Months: 0.05% iii) 6 Months: 0.20% iv) 1 Year: 0.60% v) 2 Years: 1.00% vi) 3 Years: 1.20% vii) 4 Years: 1.30% viii) 5 Years: 1.40% |
Age | 18+ | 16+ | 16+ | 16 - 30 | 18+ | 16+ |
Minimum Opening Balance | € 25 | € 25 | € 25 | No deposit required. | No deposit required. | € 1,000 |
Possibility of Overdraft | Yes* | No | Yes* | Yes* (18+) | No | No |
Target Group | Individuals and Non-Personal Clients | Individuals and Non-Personal Clients | Individuals | Individuals | Individuals | Individuals and Non-Personal Clients |
Access to Funds | Immediately** | Immediately** | Immediately** | Immediately** | Immediately** | At end of term |
Application Process | Branch / myAPS (desktop)*** | Branch / myAPS (desktop)*** | Branch / myAPS (desktop)*** | Branch | Branch | Branch / myAPS (desktop)*** |
*Subject to Banks' Approval
**Only cleared funds
***Joint accounts can only be opened from the Branch
Please refer to the Tariff of Charges, Fee Information Document and Terms & Conditions available on our website and at the our branches.
Approved and issued by APS Bank plc, APS Centre, Tower Street, B’Kara BKR 4012. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act. The Bank is a participant in the Depositor Compensation Scheme established under the laws of Malta. Terms and Conditions apply and are available upon request.