APS Bank is here to ensure your business succeeds with our business banking offerings. A growing, or large, business requires a specialised financial strategy. Whether your company works directly with customers or is geared towards serving other businesses, every organisation requires expert financial direction. This is why, at APS, we offer a personalised relationship that ensures the right support.
Always present
The financial needs of a successful organisation are constantly evolving. With APS, your management team can set their mind at rest as we maintain a constant presence to ensure your business needs are met even as they arise. We will assign your company a Relationship Manager as a direct point of contact; whenever your organisation requires financial direction, we are only a phone call away.
Your business banking partner
We understand how important it is for a prosperous business to rely on a long-term, trustworthy business partner. An APS Relationship Manager will become familiar with every area of your organisation, so as to always be in a position to offer you a tailor-made business banking solution. We appreciate that you know the inner workings of your business best, but we take it upon ourselves to offer bespoke guidance.
Specialised-sector expertise
At APS, we believe in the importance of understanding the realities of your business portfolio. APS Relationship Managers are industry specialists with in-depth knowledge of specific sectors.
This means that you will receive guidance and advice specialised to your sector.
Time-to-market is kept to a minimum
We are aware that market constraints never stop and that a busy organisation cannot lose money waiting for the right financial advice. The APS business banking processes are streamlined to address requests for support with a minimum response time.
Valuing your custom
As a business customer, your organisation is assigned a Relationship Manager to support your financial department and allow your team to concentrate on the continued activities of your business.
Some of the services offered by APS are:
✓ Internet and mobile banking
✓ Direct credit for salaries
✓ Business development loan
✓ Business mortgage loan
✓ Business overdraft
✓ Business bridge loan
✓ Capital expenditure loan
✓ Green loans for environmentally-friendly products
✓ Commerce facility
Elevate your goals with the MDB SGS Business Loan
The MDB SME Guarantee Scheme (SGS) Business Loan makes it easier for businesses, including startups, to access financing to grow their business. This loan is being offered in collaboration with the Malta Development Bank (MDB).
It's now quicker to open your APS account
You can start the process to open your APS account by filling in the Application and Appointment of Bankers forms (available hereunder) from the comfort of your office, and setting an appointment at one of our Branches.
RELEVANT DOCUMENTS
All you need to open an account
- Certificate of Registration issued by the Malta Business Registrar
- Memorandum and Articles of Association (M&A)
- A corporate structure chart clearly explaining the company’s ownership and control structure including the respective shareholding and controlling percentage.
- AB01-Appointment of Bankers Form
- Identity Documentation of Director(s), Shareholder(s), Ultimate Beneficial Owner(s), Key Controller(s), Signatory(ies), Entity Representative(s)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
- Certificate of Registration issued by the Malta Business Registry or the Registrar for Legal Persons.
- Deed of Partnership certified by the Malta Business Registry or the Registrar for Legal Persons.
- A corporate structure chart clearly explaining the company’s ownership and control structure including the respective shareholding and controlling percentage.
- AB01-Appointment of Bankers Form
- Identity Documentation of Partner(s), Ultimate Beneficial Owner(s), Key Controller(s), Signatory(ies), Entity Representative(s).
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
- Certificate of Registration issued by the Registrar for Legal Persons
- Certificate of Registration issued by the Commissioner for Voluntary Organisations (Optional)
- The Deed of Foundation which should be signed by Legal Representatives
- AB01-Appointment of Bankers Form
- Identity Documentation of Administrator(s)/Executive committee member(s) or equivalent, Ultimate Beneficial Owner(s), Key Controller(s), Signatory(ies), Entity Representative(s)
- Updated list of Administrators or Executive Committee Members stamped by the Registrar for Legal Persons or Commissioner of Voluntary Organisations (as applicable). The list should include: Name
- and Surname, Identity Documentation, Designation held
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
- Identity Documentation of Administrator(s)/Executive committee member(s) or equivalent, Ultimate Beneficial Owner(s), Key Controller(s), Signatory(ies), Entity Representative(s)
Condominium
- Notice of Appointment of Administrator (Form 1) stamped by Land Registry (Identity Malta)
- Resolution regarding Appointment of Administrator signed by Condominium Owners stamped by Land Registry (Identity Malta)
- AB01-Appointment of Bankers Form
- Identity Documentation of Administrator(s), Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Voluntary Organisation, Sport Entities
- Certificate of Registration issued by the Commissioner for Voluntary Organisations
- The Organisation’s Constituting Document which should be signed by Legal Representatives
- Updated list of Executive Committee Members stamped by the Commissioner for Voluntary Organisations. The list should include: Name and Surname, Identity Documentation, Designation held
- AB01-Appointment of Bankers Form
- Identity Documentation of Administrator(s)/Executive committee member(s) or equivalent, Signatory(ies)
- Download and Complete the ACC48 - Voluntary Organisation Information Request
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Child Care Centre
- Certificate of Registration issued by the Ministry of Education and Employment
- AB01-Appointment of Bankers Form
- Identity Documentation of Administrator(s) or equivalent, Ultimate Beneficial Owner(s), Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Public School
- Certificate of Registration issued by the Ministry of Education and Employment
- AB01-Appointment of Bankers Form
- Identity Documentation of Head of School or equivalent, Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Church School
- Certificate of Registration issued by the Ministry of Education and Employment
- Letter signed by the Provincial of the Congregation or Rector confirming the name of the respective Provincial and the Head of School
- AB01-Appointment of Bankers Form
- Identity Documentation of Provincial of the Congregation or Rector, Head of School or equivalent, Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Private School
- Certificate of Registration issued by the Ministry of Education and Employment
- Letter issued by the School Owners confirming the School Owners and the Head of School
- AB01-Appointment of Bankers Form
- Identity Documentation of Head of School or equivalent, Ultimate Beneficial Owner(s), Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Government Central/Public Administration
- Extract from Government Gazette confirming the appointment of the Executive Committee/Board Members
- AB01-Appointment of Bankers Form
- Identity Documentation of Administrator(s)/Executive committee member(s) or equivalent, Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Local Council
- Extract from the Government Gazette confirming the appointment of the Executive Secretary and Mayor
- Letter of appointment of the Executive Secretary issued by the Department of Local Government
- AB01-Appointment of Bankers Form
- Identity Documentation of Mayor, Executive Secretary, Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Trade Union
- Certificate of Registration issued by the Department of Industrial & Employment Relations
- Constituting Document which should be signed by the Legal Representatives
- Updated list of Council / Executive Committee Members signed by the Legal Representatives. The list should include: Name and Surname, Identity Documentation, Designation held
- AB01-Appointment of Bankers Form
- Identity Documentation of Council Member(s)/Executive committee member(s) or equivalent, Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Co-Operative
- Certificate of Registration issued by the Co-operatives Board
- Statute/Constituting Document which should be stamped by the CoOperatives Board
- Updated list of Executive Committee Members stamped by the CoOperatives Board. The list should include: Name and Surname, Identity Documentation, Designation held
- AB01-Appointment of Bankers Form
- Identity Documentation of Executive committee member(s) or equivalent, Entity Representative(s), Signatory(ies)
- CA03-Connected Party Application Form (for ALL roles mentioned above for which ID documents were provided)
Additional Information
- All documents are to be valid and presented in Original. Where documents are not presented in original form, copies are to be certified by a lawyer, notary or accountant as follows: “Certified True Copy of Original Document” – signed by the certifier and include the full name, profession, date and contact details which should be stamped.
- Person submitting application needs to present his/her Identity Card and a copy of the Identity Card or Passport of all Directors and Shareholders/Partners. Identity Card copies are to be valid, clear, in colour and include front and back images. Identity documents need to be certified as true copy of original (please refer to page 26 for further details).
- Applicant has to provide an estimate of the annual account turnover and the number of Employees employed in Malta of the respective Company/Partnership.
- The Bank may require additional documentation or information to fulfil its Due Diligence obligations.
- Please refer to the Bank’s ‘Tariff of Charges’ document available on the Bank’s website or from all APS Branches for the applicable fees.
FREQUENTLY ASKED QUESTIONS
Business queries
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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. Terms and conditions apply and are available on request.
