Àwọn ààyè-iṣẹ́

Malta

Malta ni a kekere euro-agbegbe owo ilu ti o kan regulator, the Malta Financial Services Authority (MFSA), awọn iwe-aṣẹ banki (ni pẹlu the ECB), idogo ati e-owo ile-iṣẹ, idoko-owo awọn ile-iṣẹ, awọn owo-ori ati crypto-asset iṣẹ awọn olupese. O jẹ julọ mọ laarin orilẹ-ede bi awọn olori EU licensing hub fun remote gaming, ti wa ni ṣeto nipasẹ the Malta Gaming Authority (MGA).

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes6

Awọn owo-ìwọ̀nÌwọ̀n

Àwọn ìṣàmúlò-ètòA-

Awọn idibo to n bọtòjú 2031

Malta is not on the FATF grey or black lists after the June 2026 plenary (17 to 19 June 2026); gẹgẹbi orilẹ-ede ọmọ ẹgbẹ EU o ko le han lori atokọ orilẹ-ede kẹta ti o ga julọ ti EU (ti a ṣe atunṣe ni ipari nipasẹ Iṣakoso Delegated (EU) 2026/46, ti a tẹjade 9 Oṣu Kẹsan 2026) tabi lori Annex I ti atokọ owo-ori EU (awọn atunyẹwo to kẹhin 17 Oṣù Kejìlá 2026). O ti ṣayẹwo 7 Oṣu Kẹsan 2026.

Ìjọba àti ìṣàlàyé

Gomina: Republic of the Congo
Prezidanti: Myriam Spiteri Debono · lati Oṣù Kejìlá 2024
Prime Minister: Robert Abela (Labour Party)
Àwọn ààyè-iṣẹ́: Àwọn Ìṣàmúlò-ètò
Awọn idibo to kẹhin: Gbogbogbo idibo (snap), 30 May 2026
Awọn idibo to n bọ: Àwọn ìṣàmúlò-ètò ìpele, tí a fi 2031 pamọ́
Àwọn Ìṣàmúlò-ètò: House of Representatives (unicameral; 65 direct elected seats plus corrective seats, 79 members after the 2026 election)
Siséèsì Ìjọba: Àwọn ìṣàmúlò-ètò tí a fi pamọ́ láti inú àjọ́ Ìngéríà atí ẹ̀yàn ìrìn-ẹ̀yàn ìṣòró nípa àwọn àkọsílẹ̀ ìrìn-ẹ̀yàn Ròmìnì atí Napoleonì; nínú ofin EU

Economics and finance

Awọn eniyan: 579.7k (2025)
Ìjánu-ìsún: USD 27.8bn (2025)
GDP fun ẹni kọọkan: USD 49,297 (2025)
Awọn owo-ìwọ̀n: Euro (EUR)
Central Bank of Nigeria: Central Bank of Malta
Àwọn ìṣàmúlò-ètò: S&P A- (iduroṣinṣin) · Moody's A2 (iduroṣinṣin) · Fitch A+ (iduroṣinṣin) (bi o tilẹ jẹ August 2026)

A kekere, owo-ori giga EU ati euro agbegbe economy driven by tourism, financial services, remote gaming and manufacturing, pẹlu kan nla owo ati insurance sector supervised by the Malta Financial Services Authority.

Àwọn Irinṣẹ́

Laisíntì láti ṣé iṣẹ́ banki (ìjọba tí n gba owó)

Awọn ohun-ini ti o kere juUSD 5.6m

AgbègbèMFSA gbọdọ̀ ṣàfihàn ninú àwọn oṣu kọkanla tí a bà gba (tabi tí awọn ìròyìn tójú), àti ninú ohunkohun ninú oṣu mẹ́rinláàrin (BR/01 para 37 si 39; CRD ìwé. 15)

Awọn Iṣẹ́ECB lori àgbèkalẹ̀ tí MFSA (SSM ìṣàmúlò-ètò páríǹtì)

EUR 5 million initial capital (Banking Act art. 7(1)(a))

Àwọn Ìṣẹ́: Banking Act (Cap. 371), art. 7(1)(a); MFSA Banking Rule BR/01
Àwọn Irinṣẹ́: MFSA owo fun awọn ile-iṣẹ owo-iworo ati owo-iwọle ni ibamu si ofin banki: ohun elo ati idiyele ilana EUR 12,500; idiyele lilọ-silẹ EUR 18,000; owo iwadi ọdun kan 0.000175 x awọn adehun isanwo, o kere ju EUR 21,250, to ga julọ EUR 500,000 (BR / 01 Appendix). ECB awọn idiyele iwadi le lo ni apapọ.
Ìfihàn: Ya: EU/EEA paṣipaarọ labẹ CRD fun branches ati cross-border iṣẹ (European Paṣipaarọ Awọn ẹtọ fun Credit Institutions Regulations).

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Àwọn ìṣàmúlò-ètò tí a fi pamọ́ sí MFSA, tí o bá jẹ́ pé ẹ̀yàn kan lórí ECB
O kere ju awọn eniyan meji ti o ni agbara lati ṣakoso iṣowo naa, ti a ṣe akojọ bi o dara ati deede
Awọn agbẹjọro ti a fọwọ́sì fún ìṣàfihàn
Àwọn àtòjọ-ètò iṣẹ́, àwọn ìṣàmúlò-ètò iṣẹ́ atí igbimọ̀, àwọn ẹ̀yàn ìrìn-àjò atí AML/CFT
Ṣẹ̀dá owó rẹ̀ lọ́wọ́lọ́wọ́ nínú ẹ̀yàn 5 milionú Euro

Sources(3)

MFSA: Banking Rule BR/01 Application Procedures and Requirements for Authorisation of Licences for Banking Activities (BR/01/2023) · checked 2026-10-07
Laws of Malta: Banking Act, Cap. 371 · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Articles 12 and 15 · checked 2026-10-07

E-owo ile-iṣẹ

Àwọn ààyè-iṣẹ́ owo-ìpamọ́ láti fi owó èròyìn ṣẹ́ (àyè-iṣẹ́ owó èròyìn)

Awọn ohun-ini ti o kere juUSD 392k

AgbègbèMFSA ni o yẹ ki o yan laarin osu mẹta ti a ba gba ohun elo to kù (FIR/01 para 43 si 44)

Awọn Iṣẹ́MFSA

EUR 350,000 capital initial at authorization; the MFSA may set a higher level (FIR/03 R3-2.11)

Àwọn Ìṣẹ́: Financial Institutions Act (Cap. 376), Third Schedule; MFSA Financial Institutions Rules FIR/01 and FIR/03
Àwọn Irinṣẹ́: MFSA awọn owo-ori labẹ Financial Institutions Act: ohun elo ati awọn idiyele ilana EUR 3,500; awọn owo-ori iṣakoso ọdun kan 0.0002 x gbogbo awọn ohun-ini, o kere ju EUR 2,500 (FIR / 01 Appendix).
Ìfihàn: Ya: EU / EEA passport fun e-owo ifowopamọ ati awọn iṣẹ isanwo (European Passport Rights for Financial Institutions Regulations, S.L. 376.05).

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn aṣofin to dara ati ti o tọ, awọn alakoso ati awọn oniṣowo ti o ni ẹtọ
Ìgbàyélú àwọn ẹ̀yàn tí a gba fun owó e-
Awọn owo-ori ti ara ẹni ti o kere ju 2% ti owo e-owo ti o wa titi (EMD2 nkan. 5, ọna D)
Awọn iṣẹ-iṣe, iṣakoso, iṣakoso inu ati awọn ilana AML/CFT ni ibamu si EBA/GL/2017/09

Sources(3)

MFSA: Financial Institutions Rule FIR/03 (Chapter 3 of the Financial Institutions Rulebook) · checked 2026-10-07
MFSA: Financial Institutions Rule FIR/01 Application Procedures and Requirements (2025) · checked 2026-10-07
EUR-Lex: Directive 2009/110/EC (EMD2), Articles 3 and 4 · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Àwọn ààyè-iṣẹ́ owo-ìpamọ́ láti mú iṣẹ́ ìfilọ́lẹ̀ (àjọ́ ìfilọ́lẹ̀ ìfilọ́lẹ̀)

Awọn ohun-ini ti o kere juUSD 140k

AgbègbèMFSA gbọdọ yan ninu oṣu mẹta lati igba ti wọn ba gba ohun elo to pari (FIR/01 para 43 si 44; PSD2 art. 12)

Awọn Iṣẹ́MFSA

EUR 20,000 (ifowopamọ owo nikan), EUR 50,000 (awọn iṣẹ iforukọsilẹ isanwo), EUR 125,000 (awọn iṣẹ iforukọsilẹ sanwo ni awọn ipin 2(a) si 2(e) ti Ilana Keji) (FIR/01 para 31(3)

Àwọn Ìṣẹ́: Financial Institutions Act (Cap. 376), Second Schedule; MFSA Financial Institutions Rule FIR/01
Àwọn Irinṣẹ́: MFSA awọn owo-ori labẹ Financial Institutions Act: ohun elo ati awọn idiyele ilana EUR 3,500; awọn owo-ori iṣakoso ọdun kan 0.0002 x gbogbo awọn ohun-ini, o kere ju EUR 2,500 (FIR / 01 Appendix).
Ìfihàn: Ya: EU/EEA paṣipaarọ labẹ PSD2 (S.L. 376.05).

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn aṣofin to dara ati ti o tọ, awọn alakoso ati awọn oniṣowo ti o ni ẹtọ
Ìdáràn àwọn owó ẹ̀yàn
Ìpamọ́ àwọn ẹ̀yàn aládúrò tabi ìdájọ́ tí a lè gbọ́dọ̀ ṣe fun iforukosilé owó atí iṣẹ́ ìròyìn iroyin
Awọn iṣẹ-iṣe, iṣakoso ati awọn ilana AML/CFT fun EBA/GL/2017/09

Sources(2)

MFSA: Financial Institutions Rule FIR/01 Application Procedures and Requirements (2025) · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Articles 7 and 12 · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Ààyè-iṣẹ́ ìgbàdálojútó àwọn ohun-iní cryptographic (MiCA)

Awọn ohun-ini ti o kere juUSD 56k

AgbègbèMiCA àti 63: ṣayẹwo iparipọ ninú ọjọ́ iṣẹ́ 25, ipinnu ninú ọjọ́ iṣẹ́ 40 tí ìṣàmúlò-ètò kan bá jẹ́ iparipọ; kò si àwọn fifọ́rà oṣù tí a paṣẹ

Awọn Iṣẹ́MFSA

MiCA Annex IV: EUR 50,000 (klasọ́ 1: ìdájọ́, àṣìṣé àkọsílẹ̀, ìlànà ìfilọ́lẹ̀, ìfilọ́lẹ̀, ilé-ilé́, ilé-ilé́, ìgbàgbọ́ àti ìpamọ́), EUR 125,000 (klasọ́ 2: ìdíyelé́, àṣìṣè fún àwọn ẹ̀yàn tàbí àwọn crypto-assets mìíràn), EUR 150,000 (klasọ́ 3: iṣẹ́ paṣipaarọ́), tàbí kọkanla ti ìdíyelé́ tí a fi fọwọ́sì lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́.

Àwọn Ìṣẹ́: Regulation (EU) 2023/1114 (MiCA), arts. 59 to 63; Markets in Crypto-Assets Act (Cap. 647); MFSA Markets in Crypto-Assets Rulebook
Àwọn Irinṣẹ́: Awọn ọja ni Crypto-Assets Act (Fies) Regulations (L.N. 295 ti 2024), reg. 6: idiyele iforukọsilẹ EUR 10,000 (iṣẹ iṣẹ klasu 1), EUR 20,000 (klasu 2), EUR 25,000 (klasu 3); nikan ni o ga julọ lo wa. Owo isanwo ọdun kan EUR 10,000 / 25,000 / 50,000 nipasẹ klasu, plus EUR 2,000 fun iṣẹ ti a fọwọsi, plus 0.05% ti iye iṣowo ti o to EUR 250,000. Awọn oniwun iwe-aṣẹ VFA ti n ṣe ohun elo laarin 30th December 2024 ati 1st July 2026 san awọn idiyele ti o kere ju (EUR 5,000 / 10,000 / 12,500).
Ìfihàn: Ya: MiCA paṣipaarọ nipasẹ ifiranṣẹ lati pese awọn iṣẹ ni gbogbo EU (art. 65).

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ile-iṣẹ ti a fọwọsi ni Malta pẹlu aaye iṣakoso to munadoko ni EU ati pe o kere ju oludari kan ti n gbe ni EU (MiCA nkan 59(2))
Awọn adari ti o tọ ati ti o yẹ, ati awọn oludokoowo to dara
Ìgbàyégbèyé nípa MiCA ìwé 67 àti Annex IV
Awọn igbimọ aṣofin, aabo, iwadii awọn ẹsun ati AML/CFT awọn eto

Sources(5)

Laws of Malta: Markets in Crypto-Assets Act, Cap. 647 · checked 2026-10-07
Laws of Malta: L.N. 295 of 2024, Markets in Crypto-Assets Act (Fees) Regulations · checked 2026-10-07
MFSA: Markets in Crypto-Assets Rulebook · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Articles 59, 63, 143 and Annex IV · checked 2026-10-07
ESMA: List of MiCA grandfathering periods decided by Member States under Article 143(3) (version of May 2026) · checked 2026-10-07

Firma idoko-owo

Àwọn iṣẹ́ ifowopamọ́ (MiFID)

Awọn ohun-ini ti o kere juUSD 84k

AgbègbèMiFID II art. 7(3): decision within six months of a complete application

Awọn Iṣẹ́MFSA

IFD article. 9: EUR 75,000 (igbagbọ ati ifihan, ṣiṣe, iṣakoso porfolio, imọran, fipamọ laisi adehun ile-iṣẹ, pẹlu owo alabara kan), EUR 150,000 (awọn ile-iṣẹ miiran), EUR 750,000 (iṣowo lori akọọlẹ rẹ, iforukọsilẹ tabi fipamọ lori ipilẹ adehun ile-iṣẹ, ṣiṣẹda OTF pẹlu iṣowo akọọlẹ rẹ)

Àwọn Ìṣẹ́: Investment Services Act (Cap. 370); Investment Services Act (Licence and Other Fees) Regulations (S.L. 370.03); MFSA Investment Services Rules
Àwọn Irinṣẹ́: Ni ibamu si awọn ofin iṣẹ idoko-owo (awọn idiyele) bi a ti ṣe atẹjade nipasẹ MFSA (2013 ọrọ): owo iforukọsilẹ EUR 2,500 (Kategori 1a), EUR 3,000 (1b), EUR 5,000 (2), EUR 7,000 (3), EUR 17,000 (4a), EUR 7,500 (4b), pẹlu awọn owo isanwo igbagbogbo fun ọdun kan nipasẹ owo-wiwọle. Ṣayẹwo ọjọ-iṣeto ti o ni ilọsiwaju lọwọlọwọ pẹlu MFSA.
Ìfihàn: Ya: EU/EEA paṣipaarọ labẹ MiFID II fun branches ati cross-border iṣẹ.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Àwọn ààyè-iṣẹ́ Licensi tí a fi àwọn ìṣẹ̀dá pamọ́ sí pé àwọn àyọkà klìǹtì ní pàtó (Àyàyè-iṣẹ́ 1 sí 4)
Awọn adari to tọ ati ti o yẹ, aṣoju igbẹkẹle, MLRO ati awọn oludokoowo ti o ni ẹtọ
Imọ ati iṣakoso ni Malta
Awọn owo-ori ara ẹni ati awọn iwulo ti o ni aabo labẹ IFR/IFD

Sources(3)

MFSA: Investment Services Act (Fees) Regulations, 2013 · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Article 9 · checked 2026-10-07
EUR-Lex: Directive 2014/65/EU (MiFID II), Article 7(3) · checked 2026-10-07

Olùgbéejáde ere-idaraya nípa intanẹẹti

Gaming Service Licence (B2C) ati Critical Gaming Supply Licence (B2B)

Awọn ohun-ini ti o kere juUSD 45k

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́MGA

B2C ti o kere ju ti a gbekalẹ ati ti a san owo-ori: EUR 100,000 (Tita 1 ere iru kasino ati Tita 2 tẹtẹ-ọdun-ti a ṣeto), EUR 40,000 (Tita 3 ati Tita 4); cumulative fun orisirisi iru si a cap ti EUR 240,000. B2B tí a kò fọwọ́sì.

Àwọn Ìṣẹ́: Gaming Act (Cap. 583); Gaming Authorisations Regulations; Gaming Licence Fees Regulations
Àwọn Irinṣẹ́: Igba kan ko si ipadabọ owo ohun elo EUR 5,000. B2C fixed annual license fee EUR 25,000 (EUR 10,000 for Type 4 controlled skill games only). B2B owo ọdun kan EUR 25,000 / 30,000 / 35,000 ni ibamu si ẹgbẹ owo-ori (si EUR 5m, EUR 5m si 10m, loke EUR 10m), EUR 10,000 fun iru 4 nikan; B2B back-office EUR 3,000 tabi 5,000. B2C n san owo-ori ifowosowopo lojoojumọ lori owo-ori ere (fun apẹẹrẹ, iru 1: o kere ju EUR 15,000, o pọju EUR 375,000 ni ọdun kan) ati 5% ti owo-ori ere lori owo-ori lati awọn oṣere ni Malta.
Ìfihàn: Ko si: ere idaraya ko ni harmonized ninu EU; MGA iwe-aṣẹ ko nipasẹ ara rẹ gba laaye lati fun awọn iṣẹ ni awọn orilẹ-ede miiran.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Àgbèkalẹ̀ láti jẹ́ ẹ̀yàn EU/EEA-incorporated
Awọn akojopo, awọn UBOs ati awọn eniyan pataki ti ṣe atunyẹwo ni ibamu ati ni deede, pẹlu orisun owo-ori ati iwadi owo
Àwọn ààyè-iṣẹ́, àwọn ìṣàmúlò-ètò iṣẹ́ àti àwòrán-ìdájọ́
Awọn ayẹwo ìṣàmúlò-ètò láti inú ààyè-iṣẹ́ tí a fọwọ́sì nínú MGA lọ́wọ́lọ́wọ́
License valid for 10 years

Sources(4)

MGA: Remote Gaming Services (B2C) · checked 2026-10-07
MGA: Game Providers and Back Office (B2B) · checked 2026-10-07
MGA: Guidance Note, Licence Fees and Taxation (February 2023 v2) · checked 2026-10-07
MGA: Guidance Note, Application Process (February 2023 v1) · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Malta Financial Services Authority (MFSA) · websitebanks, E-money institutions, Payment service providers, Investment firms, Virtual asset service providers (VASPs), funds, Insurance, Trust companies
European Central Bank (Single Supervisory Mechanism) (ECB) · websitebanks
Malta Gaming Authority (MGA) · webu-iweOju opo wẹẹbu ere ori ayelujara

MiCA: Malta ti fi igba 18-oṣu lọ́wọ́lọ́wọ́, bẹ́ẹ̀ nígbà tí a bá gba líǹsìn VFA lè dábọ̀ sí 1 July 2026 lójútó; Aṣẹ́ Ẹ̀yàlẹ̀ Àwọn Àṣìṣé Iṣàfilọ́lẹ̀ (Cap. 590) tí a pàdè ní ọjọ́ 3 July 2026 nínú Aṣẹ́ Ọjà nínú Àṣìṣé Ẹ̀yàlẹ́ Crypto-Assets, atí pé awọn CASPs MiCA-tí a fọwọ́sì lọ́wọ́lọ́wọ́ nígbà yìí lè ṣiṣẹ́ bayii. Malta tun gba líǹsín fún àwọn ẹ̀tọ̀ ifowopamọ̀ àtí awọn alábòójútó ẹ̀yàlẹ̀ àtí awọn agbẹjọrò láti inú MFSA (kò sí ní alayé níbẹ̀). Awọn ile-iṣẹ́ owo-ẹ̀yàlẹ̀ ní a fun ni líǹsín lórí Aṣẹ́ Ẹ̀yàlẹ̀ Ẹ̀yàlẹ̀ Iṣàfilọ́lẹ̀ Owo-ẹ̀yàlẹ̀; iṣẹ́ ìdíyelé́ ẹ̀yà Banking Act tun ṣàfihàn 'awọn ile-iṣẹ́ owo-ẹ̀yàlẹ̀ atí owo-ẹ̀yàrà'. MGA A kò sọ́kalẹ̀ nípá osise fun àwọn ipinnu líǹsín. Líǹsín banki ní a fi fun nípa ECB, bí a ṣè jẹ́ fun gbogbo awọn ile-iṣẹ́ ẹ̀yàlú euro.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Ààyè-iṣẹ́ Malta

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: Valletta
Agbègbè: 316 km²
Awọn ede Ofin: Maltese, English
Zone Time: UTC+01:00 (UTC+02:00 nínú igba otutu)

Àwọn àgbéwọlé ìṣàfihàn

Pẹtalọ́wọ́lẹ̀ tí a wẹ́
Integrated Circuits
Awọn oogun ti a ṣelọpọ
Àwọn Ìjáde
Àwọn Ìṣàmúlò-ètò
Iṣẹ-ifowopamọ

Àwọn ìṣàfihàn ààyè-iṣẹ́

Nigeria
Germany
China
Singapore
Hong Kong

Sources for the country information(12)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(5)