ATMs are an important part of everyday banking, helping people access cash and complete essential transactions without visiting a branch counter. As payment habits and customer needs change, ATMs must also keep pace.

The latest APS ATM updates introduced contactless access and Talking ATM functionality. Together with existing deposit features, these updates aim to make everyday banking more convenient while supporting digitalisation and inclusion.

Key takeaways

  • APS ATMs are conveniently located across Malta and Gozo.
  • Customers can use contactless APS cards, an APS card stored in a digital wallet or any other VISA card.
  • Voice guidance in English is available through personal headphones with a standard rounded jack.
  • Cash and cheques can be deposited at all APS ATMs, 24/7.

Where can I find APS ATMs in Malta and Gozo?

APS ATMs are located across Malta and Gozo. To find the nearest one, use the APS Bank online branch and ATM locator.

At an APS ATM, you can withdraw cash, check your balance, change your PIN and make cash and cheque deposits without an envelope. When withdrawing cash, you can also choose your preferred banknote denominations, subject to availability.

Contactless transactions at APS ATMs

Contactless access gives customers another way to start a transaction. You can tap a physical contactless card or use a card added to a digital wallet on your smartphone or wearable device.

The services available with contactless are:

  • Physical APS Debit Card: cash withdrawal, balance enquiry and deposits
  • Physical APS Credit Card: cash withdrawal and balance enquiry
  • Any physical VISA card: cash withdrawal and balance enquiry
  • Any VISA (APS or non-APS) card in digital wallet: cash withdrawal and balance enquiry

This brings a familiar tap experience to the APS ATMs banking and supports the growing use of smartphones and wearable devices as digital wallets.

Talking ATMs for greater independence

Talking ATM functionality makes selected journeys more accessible for visually impaired customers.

Customers can connect personal headphones using a standard rounded jack and listen to guidance in English. When any VISA card (APS or non-APS) is inserted, audio guidance is available for cash withdrawals, PIN changes and balance enquiries. With contactless access, it is available for cash withdrawals and balance enquiries.

Spoken instructions through personal headphones support privacy and can help visually impaired customers complete selected transactions more independently.

Deposit cash and cheques at any APS ATM

APS customers can deposit cash and cheques at all APS ATMs, 24/7, rather than relying only on dedicated deposit machines.

Cash deposits are added to the account in real time. Banknotes and cheques can be placed directly into the APS ATMs without an envelope, using the debit card linked to the account receiving the deposit.

For cheque deposits, the ATM reads the cheque amount automatically, reducing manual entry. The receipt also includes images of deposited cheques for easier record-keeping.

More ATM locations with Cashere APS ATMs

In collaboration with Nexi, one of Europe’s leading PayTech companies, APS Bank is adding new Cashere APS ATMs across Malta and Gozo, giving customers more places to withdraw cash and use everyday ATM services.

APS customers can make unlimited free cash withdrawals using an APS Debit Card. These withdrawals do not count towards the four free monthly withdrawals available at other local banks’ ATMs. Cashere APS ATMs also offer contactless access for Visa cardholders, balance enquiries, PIN changes and banknote selection. Deposits are not available at these ATMs.

The first Cashere APS ATMs are already available, with more locations planned over the coming months. Use the branch and ATM locator to find the nearest one.

FAQs

Can I use contactless access at every APS ATM?

Yes. Contactless access is available across APS Bank’s ATM network.

Can I use my phone or smartwatch at an APS ATM?

Yes, when using any VISA card (APS or non-APS) stored in a compatible digital wallet. This supports withdrawals and balance enquiries.

Can I make a contactless deposit at an APS ATM?

Yes, using a physical APS Debit Card. Deposits are not available with an APS Credit Card or any VISA card used through a digital wallet.

How do I use the Talking ATM feature at an APS ATM?

Connect personal headphones with a standard rounded jack and follow the English audio instructions. Available journeys depend on whether the card is inserted or used contactless.

Can I deposit cash and cheques at any APS ATM?

Yes. Deposits are available at all APS ATMs, 24/7, and cash deposits are added in real time.

How can I find APS ATMs near me?

Use the APS Bank branch and ATM locator to view locations across Malta and Gozo.

What services are available on the Cashere APS ATMs?

  • Cash withdrawals
  • Banknote selection
  • Balance enquiries
  • PIN changes 
  • Contactless transactions for VISA cardholders using physical cards and digital wallets

Can I deposit at the Cashere APS ATMs?

No. Deposit functionality is not available on Cashere APS ATMs.

Can I use the Cashere APS ATMs if I am an APS customer?

Yes. APS customers can use these ATMs for free, unlimited withdrawals with their debit card, just like they would at any other APS ATM.

Is there a charge for an APS customer to use the Cashere APS ATMs?

APS customers using an APS Debit Card can withdraw cash from these ATMs free of charge. Withdrawals made using an APS Credit Card will incur a charge of 0.30% of the withdrawn amount (minimum €0.30).

Will withdrawals at the Cashere APS ATMs be deducted from my four free monthly withdrawals?

No. Cash withdrawals made at these ATMs do not count towards your four free monthly withdrawals. These are only applicable to withdrawals made from other local banks’ ATMs.

Will the Cashere APS ATMs look different?

Yes. The ATMs are co-branded with APS Bank and Cashere branding.

Where can I find the Cashere APS ATMs?

The latest list of co-branded ATM locations can be found here.

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 1994 and to carry out Investment Services activities under the Investment Services Act 1994. The Bank is also registered as a Tied Insurance intermediary under the Insurance Distribution Act 2018. The Bank is a participant in the Depositor Compensation Scheme established under the laws of Malta. Terms and conditions apply and are available on apsbank.com.mt/terms-and-conditions.