Make online shopping easier with MeDirect’s debit card

With Christmas now on the horizon, many of us will be thinking about the gifts we’ll be buying for our loved ones. This time of year witnesses a surge in online shopping, accompanied by a heightened usage of both physical and virtual cards for making purchases, both online and in physical stores.

While there may be nothing new in online shopping and the use of debit cards, there’s one important advantage that MeDirect offers which could help make your festive online shopping easier and potentially cheaper.

One of the pain points with online shopping is the charges that usually apply for currency conversions when buying from non-Euro retailers. MeDirect clients can avoid this because they are able to open accounts in multiple currencies, including British Sterling and US Dollars. When using the MeDirect debit card to make a purchase, funds will automatically be taken in the currency the transaction is denominated in, avoiding the current conversion costs at that point.

Opening and maintaining multi-currency accounts with MeDirect is completely free of charge. Accounts can also be opened in Australian Dollars, Canadian Dollars and Japanese Yen as well as in various Nordic currencies including the Norwegian Krone, Danish Krone and Swedish Krona. This means clients can make their online card purchases in any of these currencies as well as instore purchases when visiting any of these countries, without paying currency conversion fees with every transaction.

On top of the advantages of being able to open, maintain and use accounts in multiple currencies, MeDirect’s debit card users can also take advantage of numerous other benefits. Being a Mastercard, MeDirect’s debit card can be used globally wherever Mastercard is accepted. The physical card can also be used to make free cash withdrawals of €350, or equivalent if another currency is being used, per month. Cards can be ordered and managed fully online through MeDirect’s banking platform and Mobile App.

MeDirect Bank (Malta) plc, company registration number C34125, is licensed by the Malta Financial Services Authority to undertake the business of banking in terms of the Banking Act (Cap. 371).

APS Bank p.l.c. – New Bond Issue

MeDirect Bank (Malta) plc would like to announce that we are accepting applications for anyone interested in the new Bond Issue by APS Bank plc (the “Issuer”).

The first series under the Programme is the issue of up to €50,000,000 5.8% Unsecured Subordinated Bonds 2028-2033. These bonds will be listed on the Official List of the Malta Stock Exchange.

The offer period is open between Monday 30 October 2023 and Friday 17 November 2023, and may close earlier at the Bank’s discretion.

Full details about this Issue are set out in the Prospectus 24th October 2023 which can be found here.

MeDirect will be accepting applications from anyone, who is interested.

If you are interested in applying, please send us a Secure Mail or contact your Relationship Manager.

For further information, please call us on (+356) 2557 4400 or send an email to

The information set forth in this article is only for informative purposes and should not be construed as an offer to sell or solicitation of an offer to subscribe for or purchase any investment. The information provided is subject to change without notice and does not constitute investment advice or any guarantee of returns.

Please consider the terms and conditions governing the relevant investment prior to making any investment decision. Investors should note that at worst they may lose all of their invested principal in the event of default, insolvency and/or bankruptcy of the relevant issue. The financial instruments discussed may not be suitable for all investors and investors must make their own informed decisions and seek their own advice regarding the appropriateness of investing in financial instruments or implementing strategies discussed herein.

MeDirect Bank (Malta) plc has based this document on information obtained from sources it believes to be reliable but which have not been independently verified. MeDirect Bank (Malta) plc does not therefore provide any guarantees, representations or warranties. The value of any investment or income may go up as well as down and past performance is no guarantee of any future performance. When an investment is denominated in a currency other than your local or reporting currency, changes in exchange rates may have an adverse effect on your investment.

MeDirect Bank (Malta) plc, company registration number C34125, is licensed by the Malta Financial Services Authority under the Banking Act (Cap. 371) and the Investment Services Act (Cap. 370). This material is intended only for the use of the recipient and shall not be reproduced in any way, whether in whole or in part, by the recipient. Any unauthorised disclosure, use or dissemination, either in whole or in part, of the material contained within is strictly prohibited.

MeDirect supports Dar Hosea’s efforts to help victims of prostitution

MeDirect Malta recently presented a donation to Dar Hosea, which aims to support women who are, or are at risk of becoming, victims of prostitution. In offering this support to victims of prostitution, Dar Hosea provides many services. These include immediate practical help such as food, shelter and a place to rest, as well as more long-term support including counselling and education.

Emma Zahra, Human Resources Business Partner at MeDirect said, “Dar Hosea reaches vulnerable women who are exploited into prostitution, helping them to rebuild their lives and become empowered. Through this donation MeDirect is not only making a direct contribution to supporting Dar Hosea’s great work but also helping to raise awareness of this issue which has a detrimental effect on all of society.”

Sr Natalie Abela, Delegate Superior of the Sisters of Charity in Malta, who run Dar Hosea, said, “Childhood sexual exploitation, physical abuse and emotional neglect are among the key factors that lead to prostitution and it’s a sad fact that most of those who become prostitutes do so in early adolescence. Helping women, from all backgrounds, who have been through such exploitative experiences, to rebuild their self-esteem and start a new life is not easy but thanks to all our professionals, volunteers and supporters, including MeDirect, we are making a real difference.”

More information on Dar Hosea is available at


We strive to ensure a streamlined account opening process, via a structured and clear set of requirements and personalised assistance during the initial communication stages. If you are interested in opening a corporate account with MeDirect, please complete an Account Opening Information Questionnaire and send it to

For a comprehensive list of documentation required to open a corporate account please contact us by email at or by phone on (+356) 2557 4444.