Occupational Pension Scheme

Are you ready to set yourself apart from other employers?

Offering the APS Occupational Pension Scheme is a sure way of introducing a system that is beneficial to both you and your employees.

What is an occupational pension scheme?

Occupational pension schemes are put into place by employers to top-up the State-funded pensions for their employees. Through an occupational pension, you’re looking after the financial welfare of your staff by contributing to their pension fund.

What is the APS Occupational Pension Scheme?

Offering your workers access to the APS Occupational Pension Scheme will give them peace of mind, allowing them to work without worrying about how they’ll save for their future.

With the APS Occupational Pension Scheme, you can:

  • Stop/Start/Increase/Decrease premiums without penalty
  • Save at affordable levels
  • Take advantage of tax credits
  • Profit from a low charging structure
  • Choose from managed investment strategies
  • Benefit from a transparent and easy-to-understand product
  • Use an online portal with 24/7 access to individual data and analysis tools.

Why choose APS?

Balancing the cost of living with saving for the future often feels like an unending battle. At APS, we know the importance of showing employees that you understand the challenge and care about their present and future.

APS has the vision and expertise to transform financial stress into dynamic savings. We are a community bank with over 100 years of experience in providing trustworthy, personalised service to our clients.

We pride ourselves on nurturing the personal connection between an employer and their employees. We believe that this leads to a more productive, happier workplace and keeps staff turnover to a minimum.

Want to know more?

Complete the CONTACT FORM on this page and one of our Pension Advisors will get back to you. Click here to DOWNLOAD the brochure and learn more on the APS Occupational Pension Scheme.

Download the Scheme Particulars

The information in this page is general background information and should not be interpreted as financial, legal or tax advice. Prospective members should strongly consider obtaining independent financial, legal and tax advice before making any decision which could affect his/her investment and pension. The value of investments may rise as well as fall and currency fluctuations may affect the value of the investment. For further information relating to membership in The APS Occupational Pension Scheme, please refer to the Scheme Document or alternatively contact us at info@apsbank.com.mt.

Future changes in law and taxation could affect the treatment of the scheme and the amount of tax payable and all references to taxation are based on our understanding of current taxation law and practice as of September 2020. In order to establish their own tax status, prospective participants (employers and employees) should seek professional tax advice.

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 APS Occupational Pension Scheme is licensed and regulated as an occupational retirement scheme by the Malta Financial Services Authority in terms of the Retirement Pensions Act (Chapter 514 of the Laws of Malta). This document has been prepared and approved by Trireme Pension Services (Malta) Limited (as the retirement scheme administrator) and APS Bank plc (as distributor of the scheme).


Address (Head Office): APS Bank, APS Centre, Tower Street, Birkirkara BKR 4012, Malta - Europe

Telephone: (+356) 21226644



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Copyright © 2017 APS Bank plc
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.