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Justin Apap

Justin has worked in the banking sector for nearly a decade. He joined Private Banking Services in 2014.


I have extensive knowledge of cash-flow finance and lending for trading businesses, as well as traditional banking solutions for private and professional customers. I specialise in assisting companies with day-to-day financing requirements without the need to rely on traditional funding methods and security.

Think of us as a trusted adviser. We’ll earn your confidence by providing the support and advice you need to satisfy both your private and professional banking needs.
Whether we're discussing your personal goals or helping to stimulate growth in your business, you can always rely on our experience as you work towards your financial objectives.


Taking the time to understand your goals is essential, so good communication is the ingredient that helps us conquer challenges.

We provide our clients with exceptional service across all aspects of banking. This means we're accessible wherever and whenever you need us – whether you want to discuss your next acquisition, workshop financial strategies or answer your daily banking needs.

It all starts with a conversation – effective communication is the essence of any successful partnership.
We listen carefully because we seek to understand your needs and deliver solutions that meet and even exceed your expectations.
That’s how we deliver on our promise of a genuine connection.


With PBS, you enjoy a genuine personal connection with a banking professional who goes the extra mile to understand your personal and professional banking needs.
In other words, we provide a personalised service and attention to detail you won’t find elsewhere.

Contact Justin
Call 03 9622 0423

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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