APS Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
APS Bank suits Malta residents who want a plain Visa card from a long established local bank rather than a fee free challenger app. Its credit card carries an annual fee of €0 and an APR of 8.75%, but the account fee on the debit side is €2 a month.
Key facts
- Best for
- A Malta based Visa debit account, or a credit card with no annual fee and a low APR.
- Monthly fee
- €2 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- APS BANK P.L.C. (Source, checked September 26, 2026)
- Headquarters
- Malta (Source, checked September 26, 2026)
- Founded
- 1910 (Source, checked September 26, 2026)
- Official website
- apsbank.com.mt
Credit cards
- Annual fee
- €0 (Source, checked September 26, 2026)
- APR
- 8.75% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- APS BANK P.L.C. (Source, checked September 26, 2026)
- Headquarters
- Malta (Source, checked September 26, 2026)
- Founded
- 1910 (Source, checked September 26, 2026)
- Pricing model
- No annual fee
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- Annual fee on the credit card is €0, so carrying the card adds no yearly charge.
- An APR of 8.75% sits under the 20.97% seen across the credit cards listed here.
- The account card runs on visa, the network behind 58.6% of the cards here.
Cons
- A monthly fee of €2 on the account, while Wise charges £0 and Varo Believe Secured Credit Card charges $0.
- It ranks 356 of 419 listed brands on monthly fee, with a cost score of 1.4.
Who it suits
- Malta residents who want a plain current account with a debit card from a local bank.
- Borrowers attracted by an APR of 8.75% on a card with no annual fee.
- People who prefer an established bank over an app based challenger.
Who should look elsewhere
- Wise users who want to pay no monthly fee, since it charges £0.
- Varo Believe Secured Credit Card users after a secured credit card with a monthly fee of $0.
- Chime Card users who want a secured Visa credit card with a monthly fee of $0.
Who runs it
APS Bank is operated by APS BANK P.L.C., a bank headquartered in Malta. The business dates back to 1910, which places it among the older institutions in its home market rather than among the recent app based challengers. Cardholders are dealing with an established deposit taking bank rather than a start up.
How APS Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where APS Bank is available
- Available
- Malta
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the monthly fee on an APS Bank account?+
The account fee is €2. That is the figure to weigh, because the median across the listed cards is €0, so APS Bank charges where many of them do not. The credit card is a separate product with an annual fee of €0.
Does the APS Bank credit card have an annual fee?+
No. The annual fee on the credit card is €0, and the pricing model is no annual fee. Borrowing still costs money at an APR of 8.75%, so the saving sits on the fee side rather than the interest side. That pairing suits people who clear balances quickly.
How does the APS Bank APR compare with other credit cards?+
The credit card's APR is 8.75%, while 20.97% is the median across the credit cards listed here. The gap matters for anyone carrying a balance month to month, since a lower rate trims what an unpaid month costs. Clearing the balance in full still avoids interest.
Is the APS Bank card debit or credit?+
Two products sit under the same bank. The deposit account comes with a debit card on the visa network, and the other product is a credit card. Visa is the network behind 58.6% of the cards here, so the debit side is the familiar one for everyday spending.
Where is APS Bank based and how long has it run?+
The bank trades as APS BANK P.L.C. and is headquartered in Malta. It was founded in 1910, so it is a long established institution rather than a recent entrant. Cardholders are dealing with a deposit taking bank rather than a start up.
How does APS Bank rank on cost?+
Its cost score is 1.4. On monthly fee it sits at 356 out of 419 listed brands, which tracks the €2 charge rather than anything to do with borrowing. Cost here reflects what the account costs to hold, not the rate.
Is APS Bank a good fit if I want no monthly charge?+
Not if the monthly charge is the deciding factor. The account fee is €2, where Wise charges £0 and Varo Believe Secured Credit Card charges $0. APS Bank makes more sense for someone who values a local bank and a Visa card over a fee free account.
Sources
- 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 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
APS Bank
A Malta based Visa debit account, or a credit card with no annual fee and a low APR.