Tariff of Charges
Download the Tariff of Charges on the Bank's products and services. Charges for any service or product not listed will be advised on request or when the service is provided.
Effective from 2 June 2025
Important notice
As from 1 April 2024, we adjusted some of our payment account service charges.
Why this change?
These changes are in response to regulatory requirements and align with our ongoing commitment to environmental sustainability, while improving our processes. They also complement the removal of online SEPA payment fees introduced in June 2023.
What’s changing?
| Description | Existing fee | New fee as from 1 April 2024 |
| Loan drawdown | ||
| Loan drawdown fees by bank draft for home loan customers | €0 | €1 |
| Loan drawdown by Outward Payment Order (OPO) for all loans | €5 | €0 |
| Over-the-counter (via branches) payment services | ||
| Online account over-the-counter transaction | €2 | €5 |
|
SEPA & SWIFT OPO Surcharge for same day value |
€30 + €20 |
€40 + €10 |
| Cheques | ||
| Returned cheque (insufficient funds) | €25 | €40 |
| Returned cheque (other reasons) | €5 | €10 |
| Returned cheque (as less than €20) | €0 | €10 |
| Cheque book order (40 pages only) | €0 | €3.50 |
| Overdraft renewal fees (if applicable) | ||
| APS Online Student Account overdraft | Free | 0.15% per year on your overdraft, with a minimum of €50 yearly |
| Overdraft Visa | €10 | 0.15% per year on your overdraft, with a minimum of €50 yearly |
| Online electronic personal overdraft (EPO) | €25 | 0.15% per year on your overdraft, with a minimum of €50 yearly |
| Other | ||
| Inward SWIFT high value (Euro & any other currency) |
€4 (payment in Euro from €10,001 & over) €10 (payment in any other currency from €5,001 & over) |
€0 |
| Bulk coin deposit | 1.5% with a minimum of €2.50 | 2% with a minimum of €2.50 |
We believe in transparency and strive to provide you with the best banking experience.
FREQUENTLY ASKED QUESTIONS
Tariffs & Charges
All cash withdrawals from APS ATMs are free and you can benefit from 4 free withdrawals a month from all other local bank's ATMs. The rest of the withdrawals come at a charge. Please refer to the Tariff of Charges here.
Please refer to the Tariff of Charges here.
Please refer to the Tariff of Charges here.
Please refer to the Tariff of Charges here.
No, no charges will apply.
No, new debit cards are free of charge.