i-Europe (EU)

i-Malta

IMalta iyindawo encane yezimali ze-euro-endawo lapho umqondisi wayo, i-Malta Financial Services Authority (MFSA), izilayisense zezibhangqa (nge-ECB), ukukhokha kanye nezinkampani zemali ye-e-, amafemu okutshala imali, izikweletu kanye nabahlinzeki bezinsizakalo ze-crypto-asset. Kuziwa kakhulu emhlabeni jikelele njengendawo yokulawula izinkokhelo ze-EU zokugembula okude, elawulwa yi-Malta Gaming Authority (MGA).

Isibhamu sengoziIsiqephu

FATFAkukho kuluhlu

EU AML uhlu lwengozi ephezuluAkukho kuluhlu

i-EU tax listAkukho kuluhlu

Izinhlelo zelayisense6

Imalii-EUR

Izinga le-S&PA-

Ukhetho Olulandelayo2031

iMalta ayikho kuluhlu lwe FATF olungwevu noma olumnyama ngemuva kweJuni 2026 engqungqutheleni (17 kuya ku 19 Juni 2026); as an EU Member State it cannot appear on the EU high-risk third country list (last amended by Delegated Regulation (EU) 2026/46, published 9 January 2026) or on Annex I of the EU tax list (last revised 17 February 2026). Kuhlolwe 7 Okthoba 2026.

Umbuso nepolitiki

UMbuso: IRiphabhulikhi yeParliamentary
UMengameli: Myriam Spiteri Debono · kusukela ngoAprili 2024
uMphathiswa Omkhulu: URobert Abela (i-Labour Party)
Amaqembu alawulayo: i-Labour Party
Ukhetho oludlule: Ukhetho lwawo wonke (snap), 30 Meyi 2026
Ukhetho Olulandelayo: Ukhetho oluphelele, luzokwenziwa ngo-2031
Umthethosivivinywa: Indlu yamaNgqungquthela (i-unicameral; iziqhingi ezikhethiwe ngokuqondile ezingama-65 kanye neziqhingi ezilungisayo, amalungu angama-79 ngemuva kokhetho luka-2026)
Indlela yomthetho: Isimiso esixutshwe somthetho ojwayelekile wase-England nomthetho wesizwe ngokuya ngekhodi yesizwe seRoma neNapoleon; ngaphansi komthetho we-EU

Economics and finance

Abahlali: 579.7k (2025)
I-GDP: US$ 27.8 billion (2025)
I-GDP ngamuntu: i-US$ 49,297 (2025)
Imali: i-euro (EUR)
Ibhange Eliphakathi: i-Central Bank of Malta (ingxenye ye-Eurosystem)
Izinga lemali: S&P A- (ihlala kahle) · Moody's A2 (ihlala kahle) · Fitch A+ (ihlala kahle) (ngoAgasti 2026)

Izwe elincane, elinamali ephakeme le-EU nendawo ye-euro eqhutshwa ngokuhamba ngezinyawo, izinsizakalo zezimali, ukugembula okude nokukhiqiza, kanye nesevisi yokutshala imali nokukhokhelwa kwezimali ezilawulwa yiMalta Financial Services Authority.

Ibhange

Ilayisense lokuphatha ibhizinisi lebhange (inhlangano yemali)

Imali encanei-USD 5.6m

IsikhathiMFSA must determine within six months of receipt (or of complete information), and in any event within twelve months (BR/01 paras 37 to 39; CRD isithombe 15)

IgunyaECB ngesinqumo se-MFSA (SSM indlela elinganayo)

Imininingwane engu-EUR 5 yemali yokuqala (Umthetho Wezibhangqa isiqendu 7(1)(a))

Umthetho: Banking Act (Cap. 371), art. 7(1)(a); MFSA Banking Rule BR/01
Izindleko: MFSA izindleko zezimali ezikhokhelwa ngekhadi lemali kanye nezimali ze-elekthronikhi ngaphansi koMthetho Wezezimali: izindleko zokufaka isicelo kanye nokusebenza yi-EUR 12,500; izindleko zokugunyazwa yi-EUR 18,000; izindleko zokuhlola ngonyaka ziyi-0.000175 x izibopho zediphozithi, okungenani yi-EUR 21,250, okuphezulu yi-EUR 500,000 (i-BR/01 Appendix). ECB izindleko zokuhlola zisebenza ngokulinganayo.
Ukudluliswa kwepasipoti: Yebo: ipasipoti ye-EU/EEA ngaphansi kwe CRD yamabhange namasevisi aphesheya komgwaqo (ilungelo lepasipoti lase-Europe lokulawulwa kwezinhlangano zemali).

Izidingo ezibalulekile

Isicelo sifakwe ku-MFSA, esinikeza isixazululo ku-ECB
Iningi labantu ababi abasebenza ngokuphumelelayo ukuqondisa ibhizinisi, bahlolwe ukuthi bangafaneleka
Abanikazi bezimali abavunyelwe
Iphrojekthi yokusebenza, izinhlelo zebhizinisi nokulawula, umngcipheko kanye ne AML/CFT izilungiselelo
Imali yomuntu siqu ehlukanisiwe engu-EUR 5 million

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

Inhlangano yemali-elektroniki

Ilayisense lenhlangano yezimali yokukhishwa kwemali ephathekayo (inhlangano yemali ephathekayo)

Imali encanei-USD 392k

IsikhathiMFSA kumele acacise ngaphakathi kwezinyanga ezintathu zokuthola isicelo esigcwele (FIR/01 amaphara 43 kuya ku-44)

IgunyaMFSA

i-EUR 350,000 yomnotho wokuqala uma kugunyazwa; i-MFSA ingabeka izinga eliphakeme (FIR/03 R3-2.11)

Umthetho: Financial Institutions Act (Cap. 376), Third Schedule; MFSA Financial Institutions Rules FIR/01 and FIR/03
Izindleko: MFSA izindleko ngaphansi koMthetho Wezinhlangano Zezimali: isicelo kanye nezindleko zokucubungula ama-EUR 3,500; izindleko zokuhlola ngonyaka 0.0002 x imali engenayo ephelele, okungenani ama-EUR 2,500 (FIR/01 Appendix).
Ukudluliswa kwepasipoti: Yebo: ipasipoti ye-EU/EEA yokukhishwa kwezimali ze-e kanye nezinsizakalo zokukhokha (ilungelo lepasipoti lase-Europe lokulawulwa kwezinhlangano zezezimali, S.L. 376.05).

Izidingo ezibalulekile

Abaqondisi abafanele, abaphathi kanye nabanikazi bempahla
Ukuvikelwa kwezinkokhelo ezifunyenwe ngemali ye-e
Imali yomuntu siqu engaphansi kuka-2% yesilinganiso sezimali ze-e ezikhona (EMD2 isigaba 5, indlela D)
Izinhlelo zebhizinisi, ukuphatha, ukulawula kwangaphakathi kanye ne AML/CFT izilungiselelo ngo 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

Umhlinzeki wezinsizakalo zokukhokha (PSP)

Ilayisense lenhlangano yezezimali yokuhlinzeka ngezinsizakalo zokukhokha (inhlangano yokukhokha)

Imali encanei-USD 140k

IsikhathiMFSA kumele ikhethe ngaphakathi kwezinyanga ezintathu zokuthola isicelo esiphelele (FIR/01 amaphara 43 kuya ku-44; PSD2 isiqephu 12)

IgunyaMFSA

I-EUR 20,000 (ukuthumela imali kuphela), i-EUR 50,000 (izinsizakalo zokuqala ukukhokha), i-EUR 125,000 (izinsizakalo zokukhokha ezikwiparagraphs 2(a) kuya ku-2(e) yeSixhumanisi Sesibili) (FIR/01 para 31(3)

Umthetho: Financial Institutions Act (Cap. 376), Second Schedule; MFSA Financial Institutions Rule FIR/01
Izindleko: MFSA izindleko ngaphansi koMthetho Wezinhlangano Zezimali: isicelo kanye nezindleko zokucubungula ama-EUR 3,500; izindleko zokuhlola ngonyaka 0.0002 x imali engenayo ephelele, okungenani ama-EUR 2,500 (FIR/01 Appendix).
Ukudluliswa kwepasipoti: Yebo: ipasipoti ye-EU/EEA ngaphansi kwe PSD2 (S.L. 376.05).

Izidingo ezibalulekile

Abaqondisi abafanele, abaphathi kanye nabanikazi bempahla
Ukuvikelwa kwezimali zekhasimende
Isikweletu se-indemnity esizimele noma isiqinisekiso esisha sokuqala ukukhokha kanye nezinsizakalo zolwazi lwe-akhawunti
Izinhlelo zebhizinisi, ukuphatha kanye ne AML/CFT izilungiselelo ngo 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

Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Ukugunyazwa kohlinzeki wezinsizakalo ze-crypto-asset (MiCA)

Imali encanei-USD 56k

IsikhathiMiCA isiq. 63: ukuhlolwa kokugcwele ngaphakathi kwezinsuku ezingu-25 zokusebenza, isigqibo ngaphakathi kwezinsuku ezingu-40 zokusebenza zesicelo esiphelele; akukho inani lonyaka elibekwe

IgunyaMFSA

MiCA Isihluthulelo IV: i-EUR 50,000 (isigaba 1: insizakalo, ukuphathwa kwempahla, ukwenziwa kwemiyalo, ukubekwa, ukudluliswa, ukuqashwa nokuthunyelwa), i-EUR 125,000 (isigaba 2: ukuhlanganisa ukugcinwa, ukuguqulwa kwemali noma ezinye izimpahla ze-crypto), i-EUR 150,000 (isigaba 3: ukusebenza kwepulatifomu yokuhweba), noma isigamu semali ekhokhwayo yonyaka odlule uma iphezulu

Umthetho: Regulation (EU) 2023/1114 (MiCA), arts. 59 to 63; Markets in Crypto-Assets Act (Cap. 647); MFSA Markets in Crypto-Assets Rulebook
Izindleko: Imithetho yoMthetho Wezimpahla Ze-Crypto (Izindleko) (L.N. 295 ka-2024), ireg. 6: izindleko zokufaka isicelo yi-EUR 10,000 (izinsizakalo zesigaba 1), i-EUR 20,000 (isigaba 2), i-EUR 25,000 (isigaba 3); ophezulu kuphela osebenza. Izindleko zokuhlola ngonyaka yi-EUR 10,000 / 25,000 / 50,000 ngesigaba, kanye ne-EUR 2,000 ngayinye yenkonzo egunyazwe, kanye no-0.05% wevolumu yokuhweba efinyelela ku-EUR 250,000. Abanikazi belayisense le-VFA abafaka isicelo phakathi kuka-30 kuDisemba 2024 no-1 kuJulayi 2026 bakhokhele izindleko eziphansi (i-EUR 5,000 / 10,000 / 12,500).
Ukudluliswa kwepasipoti: Yebo: MiCA ipasipoti ngolwazi lokuhlinzeka ngezinsizakusebenza ezweni lonke le-EU (isiqephu 65).

Izidingo ezibalulekile

Ikheli elibhalisiwe eMalta nendawo yokulawula esebenzayo e-EU kanye nomqondisi owodwa ohlala e-EU (MiCA isigaba 59(2))
Inhlangano yokulawula efanelekayo kanye nabanikazi bezimali abafanele
Ukuvikelwa MiCA Isigaba 67 neSihluthulelo IV
Ukulawula, ukunakekelwa, ukuphatha izimangalo AML/CFT izilungiselelo

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

Inkampani yokutshala imali

Ilayisense lezinsizakalo zokutshala imali (inkampani yokutshala imali ye-MiFID)

Imali encanei-USD 84k

IsikhathiMiFID II isithombe 7(3): decision within six months of a complete application

IgunyaMFSA

IFD isiqendu 9: I-EUR 75,000 (ukuthola nokudlulisa, ukwenziwa, ukuphathwa kwe-portfolio, insizakalo, ukubeka ngaphandle kokubekezela kwenkampani, ngaphandle kwemali yomxhasi), i-EUR 150,000 (ezinye izinkampani), i-EUR 750,000 (ukuhweba nge-akhawunti yakhe, ukubhalisa noma ukubeka ngokubekezela kwenkampani, ukusebenza kwe-OTF ngokuthengiswa kwe-akhawunti yakhe)

Umthetho: Investment Services Act (Cap. 370); Investment Services Act (Licence and Other Fees) Regulations (S.L. 370.03); MFSA Investment Services Rules
Izindleko: NgoMthetho Wezinsizakalo Zokutshala Imali (Izindleko) njengoba kushicilelwe yi MFSA (2013): izindleko zokufaka isicelo ze-EUR 2,500 (Isigaba 1a), i-EUR 3,000 (1b), i-EUR 5,000 (2), i-EUR 7,000 (3), i-EUR 17,000 (4a), i-EUR 7,500 (4b), kanye nezindleko zonyaka zokuphatha ngokuya ngenzuzo. Qinisekisa ischedule eguquliwe yamanje nge-MFSA.
Ukudluliswa kwepasipoti: Yebo: ipasipoti ye-EU/EEA ngaphansi kwe MiFID II yamabhange namasevisi adlula emfuleni.

Izidingo ezibalulekile

Isigaba selayisense esisetshenzisiwe yizinsizakalo ezihlinzekwa nokuthi ngabe ama-assets ekhasimende agcinwe (Isigaba 1 kuya ku-4)
Abaqondisi abafanelekayo, umphathi wokulandelana, i-MLRO kanye nabagibeli
Ingqondo nokuphatha eMalta
Imali yomuntu siqu kanye nezidingo zokuphepha ngaphansi kuka 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

Umhlinzeki wemidlalo ye-inthanethi

Ilayisense lezinsizakalo zemidlalo (B2C) kanye nelayisense lokuhlinzeka ngemidlalo ebalulekile (B2B)

Imali encanei-USD 45k

IsikhathiAkukho kushicilelwe

IgunyaMGA

B2C umholo omncane okhishwayo nokhokhelwe-up isikhundla semali: EUR 100,000 (Uhlobo 1 casino-uhlobo imidlalo ne Uhlobo 2 fixed-odds ukubheja), EUR 40,000 (Uhlobo 3 ne Uhlobo 4); i-cumulative yezinhlobo eziningi kuze kube yilapho i-EUR 240,000. B2B isibalo semali engenayo yengxenye ayiqinisekiswanga.

Umthetho: Gaming Act (Cap. 583); Gaming Authorisations Regulations; Gaming Licence Fees Regulations
Izindleko: Imali yokufaka isicelo engakabuyiselwa emuva i-EUR 5,000. B2C izindleko zelayisense zonyaka eziqinile ze-EUR 25,000 (i-EUR 10,000 kuphela kuhlobo 4 lwemidlalo yekhono elawulwayo). B2B izindleko zonyaka ze-EUR 25,000 / 30,000 / 35,000 ngebhande lemali engenayo (kuya ku-EUR 5m, i-EUR 5m kuya ku-10m, ngaphezu kwe-EUR 10m), i-EUR 10,000 yohlobo 4 lokuhlinzekwa kuphela; B2B i-back-office EUR 3,000 noma 5,000. B2C ikhokhela umnikelo wokuhambisana nonyaka ngemali engenayo yokugembula (umzekelo Uhlobo 1: ngaphantsi kwe-EUR 15,000, ngaphezulu kwe-EUR 375,000 ngonyaka) kanye ne-5% yethonya lokugembula kwimali ephuma kubadlali baseMalta.
Ukudluliswa kwepasipoti: Hayi: ukugembula akuhlobene ne-EU; ilayisense MGA ayigunyazi ngokwayo ukuhlinzeka ngezinsizakalo kwezinye izizwe ezimele.

Izidingo ezibalulekile

Umfakisicelo kumele abe yinhlangano ebhaliswe ku-EU/EEA
Ukuhlolwa okulungile nokunembile kwabanikazi bezikhundla, abakwa-UBOs kanye nabantu ababalulekile, ngomthombo wemali nezimali
Izinhlelo zebhizinisi, imithetho yokusebenza kanye nokubuyekezwa kwedokhumende lezobuchwepheshe
Ukuhlolwa kwesistimu kwenziwa ngumhlinzeki wezinsizakalo osemthethweni ogunyaziwe yi-MGA ngaphambi kokuqala ukusebenza
Ilayisense isebenza iminyaka engu-10

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

Ama-Supervisors

Ubani olawula

I-Malta Financial Services Authority (MFSA) · iwebhusayithiamabhange, izinhlangano zemali ye-E-, abahlinzeki bezinsizakalo zokukhokha, amafemu okutshala imali, abahlinzeki bezinkonzo zezimali ezibonakalayo (VASPs), izikweletu, inshuwalense, izinkampani zokwethembeka
Ibhange Eliphakathi Lase-Europe (Uhlelo Olulodwa Lokuhlola) (ECB) · iwebhusayithiamabhange
I-Malta Gaming Authority (MGA) · iwebhusayithiukugembula kwe-inthanethi

MiCA: IMalta isebenzise isikhathi sokushintshaniswa senyanga engu-18, ngakho abanikazi belayisense leVFA bangaqhubeka kuze kube ngumhla ka-1 kuJulayi 2026; i-Virtual Financial Assets Act (Cap. 590) ibuyiselwe emuva ngomhla ka-3 kuJulayi 2026 ngaphansi kwe-Markets in Crypto-Assets Act, futhi yi-CASPs egunyazwe yi-MiCA kuphela engasebenza manje. IMalta nayo inikeza izitifiketi zabaphathi bezikweletu nama-trustees ngokusebenzisa i-MFSA (ayikho imininingwane lapha). Izinhlangano zemali ye-e zithola izitifiketi ngaphansi kwe-Financial Institutions Act; i-Banking Act fee schedule ihlala ikhombisa 'izinhlangano zemali yekhadi kanye ne-electronic money'. MGA amahora okuthatha izitatimende zelayisense acacisiwe ngokusemthethweni. Izitifiketi zebhange zinikezwa yi-ECB, njengezo zonke izinhlangano zezimali zase-euro-area.

Ulwazi oluphelele

Ngaye Malta

Izilimi zesihlabathi. I-map ikhombisa kuphela.

Isimo: Izwe elilawulayo
Idolobhakazi: i-Valletta
Indawo: 316 km²
Izilimi ezisemthethweni: isi-Maltese, isiNgisi
Indawo yesikhathi: UTC+01:00 (UTC+02:00 ebusika)

Ukuthunyelwa okuyinhloko

Ipetroli ehlanzekile
Ama-circuits ahlangeneyo
Imithi epakishwe
Izindiza
Ukuhamba ngezinyawo
Izinsizakalo zezezimali

Abahlanganyeli abakhulu

iNigeria
IJalimane
i-China
i-Singapore
i-Hong Kong

Sources for the country information(12)

Ulwazi lwezwe luhlolwe ngo-Okthoba 9, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 7, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintsha. Isaziso sokulawula.

Sources for the licensing information(5)