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Maltese Economy

Financial services, fintech, science and technology, high value manufacturing, health, tourism, education, iGaming, maritime services, aviation and creative industries are the dominant features of Malta’s economic landscape. In particular, Malta’s EU and Eurozone membership helped the country to strengthen its services sector, and the export of services across the EU member states is today a prime driver of economic growth.

Quick Overview: Malta’s Financial Services Centre

We counter scale with agility, and an ever-evolving appetite for product innovation. As we embark on the exciting journey of shaping the next generation of financial services, find out what else defines Malta’s financial services ecosystem.

Malta may be one of the world’s smallest countries, but it is also a vibrant financial hub where fintech start-ups, fund managers, insurance firms, payment providers and family offices work in walking distance from each other. Despite our small size, we made the conscious decision to support a variety of financial activities and specialist segments, including a rich mix of international, regional and local institutions.

Asset management, insurance, banking, private wealth and fintech are the dominant forces of our finance industry. Moreover, aviation, yachting, maritime services, space finance and sustainable finance are also playing important roles. This diversity helps us to thrive and promotes cross-sector partnerships and cooperation among companies operating from Malta.

  • Key Strengths

Located at the centre of the Mediterranean, between Europe and North Africa, Malta is an EU member state and deeply integrated in the world of finance. The country has signed up to all the global standards that have become the norm of international finance today. From Malta, financial services companies can access the EU’s massive single market of over 500 million people. In addition, Malta has a network of some 70 double-taxation treaties, covering most of the world’s high-growth markets, facilitating trade and international business.

Moderate operating costs coupled with a well-trained population and a desire to support innovate ideas make us the ideal location for small and medium-sized organisations, regional headquarters, back-office functions and fast-growing fintech firms. As a finance centre, Malta has also become internationally recognised as a thought leader. We championed the introduction of cell company structures, which are today an important element in the captive insurance sector. We still have an active appetite for innovation, which will continue to power our growing financial services sector.

Comprehensive financial legislation

Comprehensive financial legislation

Caters inter alia for the regulation of investment funds, insurance companies, securitisation, banking and financial institutions, offering many regulatory structures that are unique in Europe

Accessible regulator

Accessible regulator

Respected and forward-looking, the regulator is accessible with risk-based supervision

Advantageous geographical location

Advantageous geographical location

Malta is within three hours’ direct flight time from other European financial centres; moreover, Malta Freeport is a main regional hub. Malta is part of the Schengen area, which allows travel between member states without internal border controls

EU Member State

EU Member State

A full member state of the European Union and part of the Eurozone, providing Malta-based businesses with instant access to the EU’s internal market of over 500 million people

Diversified Economy

Diversified Economy

The tourism sector contributes some 25% to the island’s GDP; however, a variety of service businesses have joined the traditional economic generator, and services now account for 75% of Malta’s GDP. Industry accounts for 23% and agriculture for 2%.

Technology & Services

Technology & Services

Key to Malta’s success as the most successful knowledge-based economy in the Mediterranean region has been the growth of service-focused businesses in fields such as ICT and the booming Maltese financial services industry. Expansion of the fintech industry together with life sciences and education pave the way for a prosperous future.

Key Facts about Malta

EU Member State

EU Member State

Commonwealth Member

Commonwealth Member

OECD Member

OECD Member

Member of Schengen Area

Member of Schengen Area

Eurozone

Eurozone

CET Time Zone

CET Time Zone

Situated between Europe and Africa

Situated between Europe and Africa

Transhipment Centre

Transhipment Centre

Excellent ICT Connections

Excellent ICT Connections

Why Malta - Doing Business in Malta

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Life in Malta

More than just a smart place to invest, Malta is a multi-faceted jewel shining at the centre of the Mediterranean. This small, friendly and welcoming island contains everything you could want to strike that perfect balance between business and pleasure.

Although Malta is a small country, it offers a variety of lifestyle choices that range from urban, cosmopolitan and luxurious to relaxed and rural. Boasting a diverse range of shopping, cultural and leisure activities, all at affordable rates, Malta provides expatriates with a unique opportunity to live every aspect of life to the full.

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Services in Malta

The links provided are a useful list of entities related to the financial services sector in Malta.

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