Malta Residency for EU/EEA Nationals

Malta, the picturesque Mediterranean island nation, beckons EU/EEA nationals with its enticing Residency Programme. Designed to offer an unparalleled lifestyle in a culturally rich and naturally stunning environment, this programme opens doors to a seamless integration into Maltese society. Boasting a superb quality of life, Malta entices individuals with its vibrant history, pristine beaches, and a favorable climate year-round.

CSB Group is a licensed Agent by Community Malta and the Residency Malta Agency, with License number AKM-CSBI-21

Malta Residency for EU/EEA Nationals

As an EU/EEA national, you can take advantage of this programme to obtain a residence permit, allowing you to live, work, and study in Malta with ease. With an overview that includes a streamlined application process, attractive tax incentives, and access to the Schengen area, Malta's Residency Programme presents an irresistible opportunity for those seeking a harmonious blend of cosmopolitan living and Mediterranean charm.

Malta Residency Programme options include:

• Ordinary Residence
• The Residence Programme (TRP)
• Highly Qualified Persons (HQP) Scheme
• Student Residence Programme
• Family Reunification Programme
• Malta Retirement Programme
• The Nomad Residency Permit

Benefits of obtaining residency in Malta

Having Maltese residency offers numerous benefits to individuals seeking a desirable living arrangement. One key advantage is the opportunity to reside in a country renowned for its rich history, stunning landscapes, and vibrant culture. 

With its strategic location in the heart of the Mediterranean, Malta provides easy access to Europe, North Africa, and the Middle East, making it an ideal hub for business and leisure travel. Moreover, obtaining residency in Malta grants individuals access to a robust healthcare system, high-quality education, and a safe and secure environment. Additionally, Malta's favorable tax regime, which includes attractive tax incentives and a wide network of double tax treaties, can significantly benefit entrepreneurs, investors, and high-net-worth individuals. Furthermore, residency in Malta provides individuals with the freedom to live, work, and study in the country without the need for additional visas or permits, enhancing their overall quality of life.

Malta Residency Eligibility Criteria

Being part of the European Union, Malta offers a straightforward route for EU nationals to move to the island. The most common routes which an EU/EEA national can opt for when moving to Malta are either under Employment/Self-Employment or under Self-Sufficiency.

Requirements under the employment or self-employment category

The requirements for EU/EEA Nationals to Qualify for Residency in Malta under employment or self-employment include:

Valid Identification: EU/EEA nationals must possess a valid passport or national identity card issued by their home country.

Proof of Residence: Applicants must be in possession of Maltese residential address. The residential property can either be bought or rented. We would be able to assist you in obtaining the ideal property for you and your family through our associated brand, Malta Sotheby’s International Realty.

Employment Contract: The employment contract has to follow all the provisions listed down in the Maltese employment legislation.

Self-Employed individuals would also need to provide:

• Jobsplus registration certificate issued by Jobsplus;
• VAT registration certificate issued by VAT department;
•  A document showing Tax registration certificate number issued by the Inland Revenue Department; 
• A document showing National Insurance registration number. 

Requirements under the Self-Sufficiency Category

The Requirements for EU/EEA Nationals to Qualify for Residency in Malta under Self-Sufficiency include:

Valid Identification: EU/EEA nationals must possess a valid passport or national identity card issued by their home country.

Proof of Residence: Applicants must be in possession of Maltese residential address. The residential property can either be bought or rented. We would be able to assist you in obtaining the ideal property for you and your family through our sister company Sotheby’s.provide evidence of their current residence in Malta. 

This can include rental agreements, utility bills, or other official documents that demonstrate their address in Malta. Financial Resources: Individuals must show that they have sufficient financial means to support themselves and any dependents during their stay in Malta. This can be demonstrated through bank statements, employment contracts, or proof of stable income.

Health Insurance: EU/EEA nationals should have comprehensive health insurance coverage that is valid in Malta. This ensures that they can access necessary healthcare services during their residency.

Application Submission: Once CSB Group is engaged we will take care of preparing all of the necessary forms as well as submitting the application to the Maltese authorities on the client’s behalf. 

Please note that residency requirements can change over time, therefore, it is advisable to seek professional advice from our team of experts to ensure you have the most up-to-date information when applying for residency in Malta.

Malta's Residency Programme Options

EU/EEA nationals have access to various residency programmes that allow them to live and work in different countries within the European Union and the European Economic Area. These programmes provide different opportunities and benefits to individuals based on their specific circumstances and goals. Below is an overview of some of the key residency programmes available to EU/EEA nationals.

Ordinary Residence

Ordinary Residence programmes are designed for EU/EEA nationals who intend to establish their permanent residency in a specific country. These programmes often require individuals to meet certain criteria, such as proving sufficient financial resources, or securing employment. By becoming an ordinary resident, individuals can enjoy a wide range of benefits, including access to social services and healthcare.

The Residence Programme (TRP)

The Malta Residence Programme (TRP) aims to attract Private Clients and High Net Worth families from the EU, EEA or Switzerland interested in gaining tax residence in Malta.

When the application has been approved, and the residence requirements have been satisfied, applicants will benefit from a special and favourable tax status and treatment:

• 15% flat tax rate for all income remitted to Malta;
• No tax for income generated outside Malta but not received in Malta;
• No Malta tax on capital gains even if received in Malta, but realised outside;
• Also, applicants will be entitled to double taxation relief otherwise suffered on income   arising outside Malta.

Residence in Malta can offer attractive tax rates not only to the direct applicants but also to their families: they are in fact automatically covered as long as they are direct dependents of the applicant.

Highly Qualified Persons (HQP) Scheme

The Highly Qualified Persons Scheme is aimed at attracting skilled professionals to a particular country. Even though HQP does not lead to residency, this scheme typically offers favorable conditions for EU/EEA nationals who possess high qualifications and expertise in fields such as science, technology, engineering, or mathematics (STEM). HQP schemes often provide streamlined processes, tax incentives, and other benefits to attract and retain top talent.

Student Residence Programme

EU/EEA nationals seeking to pursue higher education in another country can often benefit from Student Residence programmes. These programs allow students to reside in the host country for the duration of their studies. EU/EEA students may enjoy reduced tuition fees, access to student benefits, and the opportunity to gain valuable international academic experience.

Family Reunification Programme

Family Reunification programmes aim to facilitate the reunion of EU/EEA nationals with their family members who are non-EU/EEA citizens. These programmes typically require the EU/EEA national to meet specific criteria, such as demonstrating stable financial resources and suitable accommodation. Family members, including spouses, children, and dependent relatives, can apply for residency based on the family reunification provisions.

It is important to note that the availability, specific requirements, and benefits of these residency programmes may vary across EU/EEA member states. It is advisable for individuals to seek professional advice and understand the details and updates of the specific programmes they are interested in.

Overall, the residency programmes available to EU/EEA nationals offer diverse pathways to reside in different countries within the European Union and the European Economic Area. These programmes cater to various needs, including temporary stays, permanent settlement, employment opportunities, investment options, educational pursuits, and family reunification.

Malta Retirement Programme

The MRP grants Maltese residency as well as a special tax status which can be granted to retirees when remitting their pension into Malta and meeting some additional investment criteria. In fact, the applicant must be in receipt of a pension, as supported by documentary evidence, all of which is received in Malta and constitutes at least 75% of his chargeable income.

The applicant must purchase a property for at least €220,000 in Gozo or the south of Malta or €275,000 if in other parts of Malta. If the applicant wants to rent, it must cost at least €8750 per year if located in Gozo or the south of Malta or €9,600 if in other parts of Malta. In addition, an application fee of €5500 or  €6000, depending on the property's location, must be paid. 

The cost of applying for the MRP is between €14,750 and €281,000, depending on the property route chosen.

The Nomad Residency Permit

A Nomad Residence Permit is issued for one year, renewable, for as long as;

• You work for an employer registered abroad;
• Your foreign employment allows you to work remotely in Malta;
• You are paying taxes in a foreign jurisdiction and will continue to pay taxes in such jurisdiction even once you have the nomad visa (no tax will be payable in Malta);
• Have a steady monthly gross income of at least €2,700, and at least twenty (20%) per cent of the median wage for each family member.

Under this permit, you will be able to work remotely with no tax consequences in Malta.

The vetting process of the application takes around 30 working days. Once the application is approved, an appointment is set for you to take your biometrics. The residence card takes between two (2) to three (3) weeks to be issued. Once issued, you will need to pick up the card in person.

Process and Documentation

Step 1 - The first step involves the onboarding process. At this stage, basic identification documents are needed. Such documents include a Passport, Utility Bill as Proof of Address, the CSB Application Form, and CV or Linkedin Profile.

Step 2 – Gathering all necessary forms and supporting documentation. CSB Group will be able to support you with this process.

Step 3 - Have the biometric data taken and be issued with a Maltese residency card whose validity depends on the type of residency route taken.

Malta's Attractive Lifestyle and Location

Tax Benefits for EU / EEA Nationals Obtaining Residency in Malta

Malta offers attractive tax benefits and incentives to EU/EEA nationals who obtain residency in the country. With its favorable tax regime, Malta has become a popular destination for individuals seeking to optimize their tax planning. 

As a resident of Malta, EU/EEA nationals can benefit from a flat tax rate of 15% on their foreign-source income received or remitted to Malta, subject to a minimum annual tax of €15,000. This means that any foreign income earned by EU/EEA nationals, such as dividends, interest, royalties, or capital gains, can be subject to this advantageous tax rate.

Furthermore, Malta operates a system of tax refunds, whereby individuals may be entitled to a refund of up to 6/7ths of the tax paid, resulting in an effective tax rate as low as 5%. Additionally, Malta does not impose any wealth, inheritance, or gift taxes, making it an attractive jurisdiction for wealth preservation and succession planning. The country's tax regime also provides for the possibility of creating a trust and benefiting from various tax advantages associated with trust structures. 

Moreover, Malta offers a wide range of tax incentives for individuals involved in certain high-value-added industries, such as gaming, financial services, and aviation. These incentives include reduced tax rates, tax credits, and deductions. Overall, Malta's tax benefits and incentives make it an appealing destination for EU/EEA nationals looking to enjoy a favourable business and investment environment.

Employment and Business Opportunities

Malta, a small island nation in the Mediterranean, offers a thriving job market and abundant business opportunities for both locals and foreigners alike. With its strategic location and membership in the European Union, Malta serves as an attractive destination for international businesses and entrepreneurs. The country boasts a strong and diverse economy, with key sectors such as financial services, iGaming, tourism, and information technology flourishing. 

The financial services industry, in particular, has experienced significant growth, with numerous global companies establishing their presence in Malta. The iGaming sector is another thriving industry, with Malta being a popular hub for online gaming companies and a pioneer in regulating the online gambling market. 

Moreover, the tourism sector contributes to the country's economy, attracting visitors with its rich history, stunning landscapes, and vibrant culture. The government's pro-business policies, favourable tax incentives, and a highly skilled workforce further enhance the appeal of Malta as an ideal destination for investment and entrepreneurship. 

In recent years, Malta has witnessed a surge in startups and innovative ventures, supported by a robust ecosystem of incubators, accelerators, and funding opportunities. Overall, Malta offers a favourable environment for professionals seeking employment and entrepreneurs looking to establish or expand their businesses, making it a promising destination for both career advancement and investment endeavors.

Education and Healthcare in Malta

Malta, a small island nation located in the Mediterranean Sea, boasts a high-quality education system and accessible healthcare services. The education sector in Malta is known for its excellence and commitment to providing top-notch educational opportunities. The country offers a wide range of options, including public, private, and international schools, ensuring that every student's needs are met. 

The Maltese education system emphasises a holistic approach, combining academic excellence with the development of critical thinking skills, creativity, and social values. Students have access to a diverse curriculum, which includes subjects like languages, mathematics, sciences, arts, and vocational training. Furthermore, Malta's education system is supported by highly qualified teachers who are dedicated to fostering a positive learning environment.

In terms of accessibility, Malta's education system strives to be inclusive and equitable. The government places great importance on ensuring that education is accessible to all students, regardless of their background or abilities. Schools provide support services and accommodations for students with special educational needs, ensuring they receive an inclusive education.

Apart from education, Malta also prides itself on its healthcare system, which is renowned for its high quality and accessibility. The country offers a comprehensive healthcare system that provides both preventive and curative care to its residents. Public healthcare services are accessible to all Maltese citizens and legal residents, and they are funded through taxation. 

The government has made significant investments in healthcare infrastructure, ensuring the availability of modern medical facilities and equipment. Moreover, Malta boasts a highly skilled healthcare workforce, including doctors, nurses, and specialists, who deliver personalised care to patients.

In conclusion, Malta's education and healthcare systems are characterised by high quality and accessibility. The education system offers a diverse range of options, emphasising holistic development and inclusive practices. Students benefit from a comprehensive curriculum and the expertise of qualified teachers. 

Similarly, the healthcare system provides accessible and top-notch medical services to all residents. With its commitment to excellence and inclusivity, Malta stands out as a prime destination for those seeking quality education and healthcare opportunities.

Rights and Responsibilities of Malta Residency

A Malta residency offers a range of rights and benefits to individuals who choose to make this Mediterranean island their home. Residents of Malta enjoy the privilege of free movement within the Schengen Area, allowing them to travel visa-free to 27 European countries. They also have access to the excellent healthcare system in Malta, which boasts high standards of medical care and facilities. 

Another significant advantage is the favorable tax regime, as residents are eligible for various tax incentives and exemptions. Additionally, individuals with Malta residency can benefit from a high quality of life, with a pleasant climate, beautiful beaches, rich history, and a vibrant cultural scene.

Along with these rights and benefits, Malta residents also have certain responsibilities and obligations. One of the primary obligations is the requirement to abide by Maltese laws and regulations. This includes adhering to immigration rules, tax obligations, and any other legal requirements imposed by the government. 

Residents are expected to contribute to the local economy by paying taxes, supporting local businesses, and participating in the community. They should also respect the local culture, traditions, and values of Malta. Furthermore, residents are encouraged to integrate into Maltese society and engage in activities that promote social cohesion.

How Can CSB Group Help You Obtain Residency in Malta

If you're an EU/EEA national seeking to obtain residency in Malta, look no further than CSB Group to guide you through the process and unlock the numerous opportunities and benefits this Mediterranean island has to offer. 

CSB Group, with its extensive expertise in immigration and residency matters, can assist you in navigating the intricate requirements and paperwork involved in securing your residency status. Our dedicated team of professionals will provide you with tailored advice and personalised assistance, ensuring a smooth and efficient application process. 

Explore the possibilities Malta has to offer and choose CSB Group as your trusted partner in acquiring residency in Malta.