Terms and Conditions

Terms and Conditions

Our mission statement is to make the banking experience simpler and more personal. With this in mind, we have simplified our Terms and Conditions to make them clear, simple and easy for you to read and understand.

We are also happy to add that we are the first local bank to have been given the Crystal Mark on our General Terms and Conditions. The Crystal Mark is an internationally recognised mark given by Plain English Campaign to confirm that the information provided in a document is crystal clear!

Kindly read carefully and understand the following Terms and Conditions and the other important documents included below. The use of our banking services is subject to your agreement to all Terms and Conditions and other important documents that may apply from the time you become an APS customer.

These Terms and Conditions and other important documents may apply to both personal and non-personal customers (corporate customers).

If you have any questions about how any of our Terms and Conditions and other important documents apply to your account, product or service, please get in touch and we will be happy to help you.

Our Terms and Conditions and the below mentioned important documents are subject to changes from time to time. Any changes will be effective on their date of publication, unless stated otherwise.

Changes made to the General Terms and Conditions issued on 11 September 2023, which will come into effect in 60 days.

Section 9 – information has been included on electronic statements (an electronic version of your account statement), which will be introduced soon.
Section 15 – to provide you with a clearer understanding, we have improved the information about deposits made using APS Deposit Machines.

Specific Terms and Conditions

Terms and Conditions that apply together with the General Terms and Conditions for the account, product or service that our customers are using.

Current Account T&Cs
Clients' Current Account T&Cs
Savings Account T&Cs
Basic Payment Account T&Cs
Online Account T&Cs
Term Deposit Account T&Cs
Green Term Deposit Account T&Cs
APS Student Bundle T&Cs
myAPS Service T&Cs
Payment Services T&Cs
Debit Card T&Cs
Credit Card T&Cs
Digital Wallet T&Cs
Credit Transfers Account T&Cs
Investors' Package T&Cs

Other important links

Interest Rates

Tariff of Charges

Data Privacy Policy

Cut-off Times

EULA agreement

Any questions?

Visit our Help Centre for 24/7 support and help documentation

Call on

(+356) 2122 6644

Mon - Sun, 08:00 - 21:00