APS Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
APS Bank suits people in Malta who want a local Visa debit card and may also want its credit card or home-loan options. Its monthly debit account fee is €2, which is the main cost to compare before choosing. The Pavi Pama credit card has a 8.75% APR and an annual fee of €0.
Key facts
Mortgages
Credit cards
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- The Pavi Pama credit card has an annual fee of €0.
- The debit card uses the Visa network.
- The card is a debit card, linked to use with a bank account.
- APS Bank offers home loans for purchases, remortgages, first-time buyers and buy-to-let properties.
Cons
- The debit account has a monthly fee of €2.
- Support runs through phone only.
- The Pavi Pama credit card has a 8.75% APR.
Who it suits
- People in Malta who want everyday banking from an established local bank.
- Customers who want a Visa debit card and may also need credit or mortgage products.
- Borrowers comparing home loans for purchases, remortgages, first-time purchases or buy-to-let properties.
Who should look elsewhere
- People seeking a free monthly account should consider bunq, whose monthly fee is €0.
- Customers prioritising a free bank-account fee may prefer Wise, with a monthly fee of £0.
- People wanting a secured credit card may need to consider Varo Believe Secured Credit Card instead.
The company behind it
APS Bank is operated as APS BANK P.L.C. and is based in Malta. The bank was founded in 1910, giving it a long-established local presence. Customer support is available by phone through phone, which may be useful for people who prefer speaking with a representative about accounts, cards or lending.
How APS Bank compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
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Where APS Bank is available
- Available
- Malta
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is APS Bank's debit card network?+
APS Bank's debit card uses the Visa network, as shown by visa. It is a debit card rather than a credit card. Visa acceptance can make it practical for everyday purchases, although the details of any particular purchase or withdrawal depend on the applicable card terms.
How much is the APS Bank monthly fee?+
The monthly fee for the bank account associated with the debit card is €2. This is a recurring cost to consider alongside card use. bunq lists a monthly fee of €0, while Wise lists £0, making them useful cost comparisons.
Does APS Bank offer a credit card?+
Yes. The Pavi Pama card is a credit card with an annual fee of €0 and an APR of 8.75%. It is separate from the APS Bank debit card described as a debit, so account holders should distinguish the two products when comparing costs.
Does the APS Bank credit card have an annual fee?+
The Pavi Pama credit card has an annual fee of €0. Its borrowing rate is 8.75%, so both the fixed annual charge and ongoing borrowing cost can matter depending on how the account is used. A person paying the balance in full may weigh the annual fee differently from one carrying credit.
What home loans does APS Bank offer?+
APS Bank home loans are available for a purchase, remortgage, first-time buyer or buy-to-let property. The stated initial rate is 2.45%, the APRC is 2.8%, and the fixed period is 5. A product fee of €150 also applies.
How can APS Bank customers get support?+
APS Bank offers phone support through phone. This is the only support channel identified for the brand, which may suit people who prefer discussing banking or lending questions by phone. Customers should use the bank's stated contact route for account-specific requests.
Is APS Bank a local Maltese bank?+
APS Bank is based in Malta, as shown by MT, and its legal entity is APS BANK P.L.C. It also provides home loans, making it relevant to customers comparing a Maltese institution that offers both everyday accounts and property finance.
Sources
- apsbank.com.mt checked September 26, 2026
Backs: Support channels
“telephone: +356 2122 6644”
- apsbank.com.mt/home-loan-packages checked September 26, 2026
Backs: Maximum loan to value
“Borrow up to 90% of your home's market value and spread-out repayments over a period of up to 40 years”
- apsbank.com.mt/home-loans checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Product fee, Purpose
“the Annual Percentage Rate of Charge (APRC) will be 2.8% per annum”
- thebanks.eu/banks/16337 checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Monthly fee
“APS Bank is a Maltese credit institution established in 1910”
- apsbank.com.mt/pavi-pama checked September 26, 2026
Backs: Annual fee, APR, Card kind, Pricing model
“Get your free APS PAVI-PAMA Credit Card”
- apsbank.com.mt/wp-content/uploads/2023/03/APS-Suite-of-De... checked September 26, 2026
Backs: Card type, Card network
“VISA debit card - APS Current Account”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
APS Bank
People seeking a Maltese bank with debit, credit and mortgage products.