About
Why Malta.
Malta is a southern European island nation, an EU member state since 2004, and uses the euro. It runs the only EU citizenship-by-investment program currently operating — making it the most strategically valuable second-passport option in the world for clients seeking European mobility, business access, and tax planning.
The program is governed by the Granting of Citizenship for Exceptional Services Regulations of 2020 (Legal Notice 437/2020), which restructured the previous Individual Investor Programme. The new framework requires a qualifying residence period of 12 or 36 months before citizenship is granted, plus a non-refundable contribution to the National Development & Social Fund, a property investment, and a philanthropic donation.
The Maltese passport ranks 7th in the 2024 Henley Passport Index — among the top ten globally — with 190 visa-free destinations including the United States, Japan, South Korea, the United Kingdom, and the entire Schengen Area.
Beyond mobility, Malta provides full EU rights: a Maltese citizen can live, work, study, and start a business in any of the 27 EU member states without restriction. Combined with Malta's remittance-based tax system for non-domiciled residents — where foreign income is taxed only if brought into Malta — this is one of the most tax-efficient setups in Europe.
The trade-off is rigor: Malta's four-tier due-diligence process is the strictest in the industry, and roughly one in four applications is rejected. Pre-screening is essential.
Investment routes
How the investment works.
3 routes are available. Pick the one that fits your goals.
Donation
National Development & Social Fund (NDSF) contribution
From
€600,000
Non-refundable contribution to the National Development & Social Fund. The amount drops to €600,000 after 36 months of residence; €750,000 for the 12-month track.
- RecoverableNo — non-refundable
Benefits
What citizenship unlocks.
7th strongest passport in the world
The Maltese passport offers visa-free access to 190 destinations including the United States, Japan, South Korea, and the entire Schengen Area.
Full European Union citizenship
As an EU member, Malta provides the right to live, work, study, and start a business in any of the 27 EU member states without restriction.
Tax-efficient residency framework
Malta uses a remittance-based tax system for non-domiciled residents — foreign income is only taxed if remitted to Malta. Combined with EU treaty access, this is one of Europe's most tax-efficient setups.
Minimal physical presence
After initial residency (12 or 36 months), the post-citizenship residence requirement is approximately 15 days per year.
Stable EU jurisdiction
Malta is an EU member, a Schengen-area country, a Commonwealth member, and uses the euro. Politically stable since independence in 1964.
Eligibility
Who can apply.
Main applicant
- ✓At least 18 years old
- ✓Clean criminal record
- ✗Not born in: AM, CU, KP, IR, AF, RU, BY
Family members eligible
- ✓Spouse
- ✓Children
- ✓Parents
- ✓Grandparents
Process
How it works, step by step.
Total: ~12 months for the standard track; expedited 36-month track available.
- 1
Pre-engagement assessment
2–4 weeksKYC pre-screening, source-of-funds audit, and program-fit review. Malta runs the strictest due-diligence regime in the CBI industry.
- 2
Residence card application
4–6 weeksApplication for E-Residence card to start the qualifying residence period (12 or 36 months).
- 3
Residency period
12–36 monthsMaintain primary residence in Malta (property purchase or qualifying rental), with at least 15 days physical presence per year.
- 4
Eligibility application
4 weeksFormal application for citizenship eligibility filed with Community Malta Agency.
- 5
Due-diligence review
4–8 monthsFour-tier due-diligence process. Malta's vetting is the most thorough in the industry.
- 6
Citizenship grant and oath
2–4 weeksApproval; contribution made to NDSF; oath of allegiance sworn in Malta; passport issued.
Documents
What you'll need to prepare.
11 documents required. All must be apostilled and (where applicable) translated.
- 1Notarized passport copy
- 2Birth and marriage certificates (apostilled)
- 3Police clearance from all countries of residence (last 10 years)
- 4Bank reference letter
- 5Professional reference letter
- 6Detailed CV
- 7Medical certificate
- 8Tax returns for last 3 years
- 9Proof of source of funds (audit-grade)
- 10Investment confirmation
- 11Maltese health insurance (minimum €50,000 coverage)
FAQ
Questions, answered.
Is Malta really an EU passport?
12 months or 36 months — which track should I pick?
How strict is the due diligence?
Do I have to physically live in Malta?
Is Malta still available given EU pressure?
Legal basis
Granting of Citizenship for Exceptional Services Regulations, 2020 (Legal Notice 437 of 2020) under the Maltese Citizenship Act (Chapter 188)