Bank Fraud Help · Malta
APS Bank Fraud: How to Report It and Stop the Money
If money left your APS Bank account without your permission, or you paid a scammer, contact APS Bank straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call APS Bank’s official line below, or use help inside the official APS Bank app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. APS Bank will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Malta, and keep screenshots of every message and payment.
Official APS Bank fraud contacts
APS Bank
Bank- Lost or stolen card, unrecognised transactions:+356 2122 6644(24/7 for lost or stolen cards; other matters Mon–Sun 8am–9pm)
App or online: In the myAPS app: Menu › Credit Cards › Credit Card Overview › select card › ⋯ › Freeze Card.
If APS Bank won’t help
Office of the Arbiter for Financial Services (OAFS)
Free, independent out-of-court resolution of complaints against financial providers licensed in Malta.
Official websiteYour rights as a APS Bank customer in Malta
- EU Payment Services Directive (PSD2), Articles 73 and 74. Your bank must refund an unauthorised payment immediately, and no later than the end of the next business day after it learns of it, unless it has reasonable grounds to suspect fraud. If a lost, stolen or misused card or payment details were involved, your loss is capped at EUR 50, unless you acted fraudulently or with gross negligence. Payments you approved yourself, even if you were tricked, are usually not covered. Source
Report it to the police too
Cybercrime agencies in Malta lists who to report to.
Common questions about APS Bank fraud
- What is the APS Bank fraud helpline number?
- APS Bank lists these numbers on its own website: Lost or stolen card, unrecognised transactions: +356 2122 6644 (24/7 for lost or stolen cards; other matters Mon–Sun 8am–9pm). Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to APS Bank?
- Call APS Bank's official line, or report it in the app or online: In the myAPS app: Menu › Credit Cards › Credit Card Overview › select card › ⋯ › Freeze Card.. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if APS Bank will not help or refund me?
- In Malta you can complain to Office of the Arbiter for Financial Services (OAFS). Details of what each one handles are on this page.
Other providers in Malta
These contacts were read on APS Bank’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not APS Bank and cannot recover money. All Malta providers are in Bank Fraud Help: Malta.