Term Deposit Accounts

APS Bank Term Deposit accounts


Interested in depositing your funds in a simple, safe and secure account for a certain amount of time? Then Term Deposit accounts are for you!  APS Bank offers one of the most flexible term deposit solutions in Malta.

The Term Deposit accounts available are aimed at individuals willing to get into a short or long-term commitment while earning a higher interest rate than that of a normal savings or current account. The product’s simple terms strike a good balance between interest rate and duration, as well as an opportunity for individuals to diversify their savings portfolio and earn some extra return.

Funds witheld in a term deposit account may be held for a period ranging from 1 to 60 months. When the term is over money can be withdrawn or it can be held for another term. Generally speaking, the longer the term, the better the yield on the money will be. Upon the client's instructions interest can be added to capital or credited to a savings/current account.

Features included in our term deposit account:

  •     Our current term deposits are available in EUR, USD, AUD, and GBP
  •     The duration of the term deposit accounts varies from 1 year to 7 years currently
  •     Mimimum deposit accounts vary according to term deposit account
  •     The interest rates offered are gross of tax and can be payable monthly, quaterly, semi-annually, annually or at maturity depending on the term deposit in question


Click here to view our current term deposit account offers that are offered on a first-come, first-served basis:


Structured Term Deposit accounts

A structured deposit is a fixed deposit account, where the capital is fully protected by APS Bank Ltd and falls under the terms of the Depositor Compensation Scheme. Depending on the terms and conditions of each particular tranche, part or all of the return is linked to the performance of an underlying financial instrument, such as market indices, equities, or commodities. These products are available in limited offers and in various currencies. Structured deposits are becoming increasingly popular with investors, both internationally and locally, who would like to take advantage of economic and market trends while maintaining protection on capital.  Click here to find out more about our Kapital Plus account.

Download the Terms & Conditions of Term Deposit accounts here.

To view our basic interest rates on APS Bank's deposit accounts click here.

To open a Term Deposit account, visit your nearest branch.

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APS Bank Ltd is licensed to undertake the Business of Banking and to conduct Investment Services business by the Malta Financial Services Authority and is enrolled in Tied Insurance Intermediaries List under the Insurance Intermediaries Act 2006