Retirement Planning Solutions

APS Bank Pension Plans

APS Bank is one of the leading financial services providers in Malta, offering a wide range of services including retirement planning. The Bank has always encouraged customers, especially the younger generation, to plan ahead with the scope to maintain a healthy lifestyle beyond their retirement age. APS Bank offers various retirement planning solutions specifically to supplement one’s pension. Check out our pension plans today.

Plan Objectives

• To build up a sum of money which will be used to provide a tax-free cash sum when you retire and a regular income for the rest of your life, in order to supplement the State Pension
• To help your retirement planning cope with changes in your personal and financial circumstances
• To provide a cash sum to your wife, husband or dependant(s) should you die before retirement

As a Tied Insurance Intermediary of MAPFRE MSV Life plc, APS Bank distributes the MAPFRE MSV Life Personal Pension Plan (With Profits) and the Unit Linked Pension plan. Please click on the titles below and download the brochure for more information.


Get €500 Tax Credit* on your Pension Plans today!

With Profits

Unit Linked

Long-term regular savings pension plan investing in the MAPFRE MSV Life With Profits Fund
Long-term regular savings pension plan, offering you a choice of various unit linked investments.
It allows you to save on a regular basis and to invest additional lump sums at any time in the future. It allows you to save on a regular basis and to invest additional lump sums at any time in the future. The value of the Plan is linked to the value of the
underlying investments of your choice.
Contributions to the Plan qualify for a tax credit for those meeting the following eligibility criteria. Contributions to the Plan qualify for a tax credit for those meeting the
following eligibility criteria.

To view the MAPFRE MSV ‘Abridged Chartbook’, please visit MAPFRE MSV's website here; (Please note that when you click on this link, you are now leaving APS Bank's website)

What is a Personal Pension Plan? How flexible is it? Who can have one? How much can I pay in? Where are the contributions invested? We can help you out if you book an appointment at any one of our branches today by filling in the form below or by sending us an email to We also have extended hours in seleted branches so you can even book an appointment from 16:30-19:00 on Wednesdays! Visit 

download brochureAPS Bank Terms of Business

Book an appointment here



APS Bank will use the information provided within this form to process your request. For security and data confidentiality purposes it is not advisable to use this form to send sensitive data such as account numbers, account balances, login information and any other financial information that can identify a specific transaction. We will never ask you for this type of personal information through our website, social media or direct you to a web page that asks for this information. Please note that the Bank has revised the Data Privacy Policy. Kindly visit for further details.

*Tax treatment depends on the individual circumstances. Tax legislation & the amount of rebate may change in the future. Terms, conditions and exclusions may apply and are available upon request. Approved and issued by APS Bank plc of APS Centre, Tower Street, Birkirkara. BKR 4012. APS Bank plc is licensed to undertake the business of Banking and to conduct Investment Services by the Malta Financial Services Authority and is enrolled in the Tied Insurance Intermediaries List under the Insurance Distribution Act, Cap 487. The Bank is a participant in the Depositor Compensation Scheme and the Investor Compensation Scheme as established under the laws of Malta. MAPFRE MSV Life plc is authorised by the Malta Financial Services Authority to carry on long term business under the Insurance Business Act 1998. Both entities are regulated by the MFSA. The Pension Plans distributed by APS Bank plc are products of MAPFRE MSV Life plc.

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.