Protecting yourself and your bank details


Security Page


Beware of malicious people attempting to get you to hand over your bank details so that they can fraud you of your money. Please read through the below information so that you have a good understanding of how to keep your bank details and money safe.

APS Bank may periodically contact you, in most cases to follow up with you on a query you may have placed, or to ask you to update your personal details in a secure manner. However, we will never contact you on Social Media directly unless you initiate the conversation yourself.


As a rule, APS Bank will never ask you to share the below information over email/phone/sms/social media/letter:

  • Bank account number
  • Passwords
  • Full debit card number
  • Online Banking Pin
  • CVV number
  • Security questions and answers
  • Other confidential account data

We encourage our customers to be vigilant and observe standard information security precautions to help protect against attackers and fraudsters. To ensure that you do not provide any Banking information to any individuals impersonating individuals from the Bank, the Police or other companies that you may trust, we recommend that you:

  • Never disclose your hardware and software token codes, Mobile App Secure passcode, online one-time password or activation codes to anyone
  • Never transfer money from your account, either online or in a branch after being instructed to do so without checking via trusted source
  • Never allow someone to take control of your computer or other devices if you receive a call or message that you aren’t expecting
  • Never assume that a mobile, phone call, email, social media messaging or sms is genuine. Prior to carrying out any operation, transfer etc. always check via a trusted source.
  • Never click on a link to activate or unblock your account


Enhance the security of your account

The following are a few security tips to protect yourself online and the security of your account information, in tandem to other security measures that you might wish to further take:

  • Use secure email Message Hub either using the myAPS Mobile Banking, Internet Banking or Secure eMail to send email containing account information or questions
  • Change your password periodically. Choose a password that is difficult to guess
  • Be aware of phishing and scams
  • Keep your Operating System up-to-date
  • Keep your software up-to-date
  • Keep your web browser up-to-date
  • Use Anti-Malware Software
  • Secure your wireless connection
  • Prevent Spyware
  • Use a Firewall
  • Set different login credentials for Banking and other sites such as social media, e-commerce
  • Take the time to regularly monitor your bank account statement
  • Do not allow anyone else to use your card, online banking logins, account data or personal information
  • If you are shopping online, be sure the website you are visiting is secure (indicated by https:// or A padlock icon,) and has a valid digital certificate before you enter your card number and login details


What should you do if you receive a suspicious call?

Should you do receive a call from an unknown number, claiming to be the Bank or another service provider such as your internet service provider, or possibly even imitating a contact you may know, and they request your personal data, make sure to take their details and call back on the company’s verified official number (not one which they might provide). If when you call you are informed that this person doesn’t exist, report to the incident to the cybercrime unit.


If you believe there has been an unauthorised transaction in your account or you believe the security of your password has been compromised or if you have responded to any suspicious communication such as giving our your account or online log-in details, please contact us on +356 2122 6644 or email: immediately.


How do you recognise a suspicious email?

Any time the Bank sends an email it will be from an APS Bank email address (example Unfortunately though, email addresses can sometimes be mimicked convincingly. A few things to look out for which might indicate an email is spam are:

  • The message is sent from a public email domain (example
  • Look at the actual email address, not just the sender name
  • Check if the domain name has been misspelt (example
  • If an email is written with misspelling and grammatical errors
  • Be cautious of suspicious attachments or links
  • If the message creates a sense of urgency and threatens legal action

If you are suspicious about the contact, always err on the side of caution and do not give out details, click on links or act on anything before you contact APS Bank directly to verify authenticity.


What are the secure channels to communicate with a Bank representative?

The best ways to contact the Bank securely are through:

  • Our Contact Centre on (+356)21226644
  • A message through the Message Hub on myAPS.

Sending your bank details over social media channels or email is not a safe practice.


Hackers and scammers change their techniques regularly, so make sure to stay abreast of all latest hacking trends to keep your details and money safe.


If you suspect you have been a victim of fraud, it is important to call the Bank immediately on (+356)21226644.


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.