The Ultimate Guide to Living and Working in Malta
Introduction
Nestled in the shimmering heart of the Mediterranean, the Maltese archipelago has confidently transitioned from a hidden gem to a premier global destination. It's an island nation where ancient history and digital innovation coexist seamlessly, offering a unique blend of a high-quality, relaxed lifestyle with robust and future-focused career opportunities. With its sun-drenched climate, millennia of rich history, and a remarkably resilient and thriving economy, Malta offers a compelling proposition for those looking to relocate. The country’s full integration into the European Union, the Eurozone, and the Schengen Area provides profound geopolitical stability and frictionless travel, making it an increasingly attractive and strategic base for global citizens and high-level professionals.
This comprehensive 2025 guide is your strategic partner in this journey. We will move beyond the tourist brochures to provide an in-depth, practical look at every facet of relocation. We will dissect the dynamic job market, from high-demand sectors to the practicalities of securing employment. We will navigate the critical pathways of work permits and visas for EU and non-EU citizens, provide a realistic breakdown of the 2025 cost of living, and analyze the fast-paced housing market. Furthermore, this guide will offer invaluable insights into the Maltese lifestyle, culture, and the best areas to live, ensuring you have all the information you need to make a smooth, confident, and successful transition to this vibrant Mediterranean jewel.
Part 1: The Maltese Job Market
Malta’s economy is a testament to its remarkable resilience and strategic vision. Bucking global trends, it has cultivated a welcoming and sophisticated environment for international talent. The job market is not just dynamic; it is a diverse ecosystem offering opportunities across a range of established and high-growth emerging sectors, making it a land of opportunity for those with the right skills.
Economic Outlook
Malta’s economy continues its strong, impressive growth trajectory. After a solid 6.0% expansion in 2024, the Gross Domestic Product (GDP) is projected to rise by a further 4.1% in 2025 [1]. This sustained growth is primarily driven by strong domestic spending, a record-breaking tourism recovery, and robust performance in key sectors such as finance, iGaming, and professional services. This economic vitality creates a fertile and competitive ground for employment and career advancement.
In-Demand Sectors and Industries
Malta has successfully and strategically diversified its economy, moving far beyond its traditional reliance on tourism to become a European hub for several high-value industries. The following sectors are currently experiencing the highest demand for skilled professionals:
iGaming and Technology
Malta is a global leader in the online gaming industry, hosting a significant number of the world's largest iGaming companies. This dominance has created a massive, self-sustaining ecosystem of demand for tech professionals, including software developers (especially full-stack), data analysts, cybersecurity experts, and digital marketers. The tech sector as a whole is booming, fueled by a pro-innovation government stance and extending beyond iGaming into fintech, software-as-a-service (SaaS), AI, and blockchain technologies.
Financial Services
The financial services sector is a cornerstone of the Maltese economy. It encompasses banking, insurance, asset management, and a burgeoning fintech scene. The country’s commitment to a robust, EU-compliant regulatory framework has attracted a high concentration of international financial institutions, leading to a perpetual demand for chartered accountants, multilingual compliance officers, financial analysts, and risk management professionals.
Healthcare and Pharmaceuticals
Malta boasts a high-quality, accessible healthcare system and a significant pharmaceutical manufacturing industry. There is a consistent, critical need for healthcare professionals, including doctors, specialized nurses, and elderly care workers. The pharmaceutical sector, a key component of Malta’s high-value-added manufacturing, also actively seeks skilled technicians, quality assurance specialists, and researchers.
Tourism and Hospitality
As a major Mediterranean tourist destination, the tourism and hospitality sector remains a vital part of the economy and a major employer. There are abundant opportunities in hotel management, food and beverage services, and tour operations, particularly during the peak (and increasingly long) tourist season. This sector is excellent for entry-level and seasonal roles.
Construction and Real Estate
The ongoing economic growth and foreign investment have fueled a construction boom, creating a steady demand for civil engineers, architects, project managers, and skilled construction workers. The real estate market, while competitive, also offers roles in sales, property management, and development.
Emerging Sectors
Malta is actively fostering growth in new and innovative sectors. These include green energy, with a focus on sustainability and renewables, and film production, with the Malta Film Studios (home to "Gladiator 2") attracting major international productions, creating a need for skilled technicians and creatives.
Most In-Demand Jobs
The demand for skilled labor in Malta is high, with many companies struggling to find local talent with the required specialized skills. This "skills gap" creates significant opportunities for foreign workers. According to recent data, the following are some of the most in-demand job roles for foreign workers in Malta [2, 3]:
| Job Title | Average Annual Salary (EUR) |
|---|---|
| Accountant / Bookkeeper | €25,000 - €45,000 |
| Software Developer | €35,000 - €60,000+ |
| Compliance Officer / AML Specialist | €30,000 - €55,000 |
| Digital Marketing Specialist | €28,000 - €45,000 |
| Healthcare Professional (Nurse) | €24,000 - €35,000 |
| Hospitality Manager | €30,000 - €50,000 |
| Construction Worker (Skilled) | €18,000 - €28,000 |
| Customer Support Agent (Multilingual) | €22,000 - €32,000 |
Note: Salaries are estimates and can vary significantly based on experience, qualifications, language skills, and the specific employer. Tech and Finance roles often see salaries exceeding these averages for senior talent.
Major Employers
While Malta has a vibrant ecosystem of small and medium-sized enterprises (SMEs) that are major drivers of job creation, several large, established companies are significant employers on the island.
Manufacturing
STMicroelectronics: A global leader in semiconductor manufacturing, STMicroelectronics is one of the largest private employers in Malta, with a major, high-tech facility in Kirkop. The company employs a vast workforce in technical and engineering roles.
Playmobil Malta: The well-known toy manufacturer has a large factory in Malta, which is its second-largest production site worldwide. It is a major employer in the manufacturing sector and a household name on the island.
Pharmaceutical Companies: A host of major pharmaceutical companies (like Teva) have manufacturing plants in Malta, contributing significantly to the country’s exports and employing a skilled workforce in production and quality control.
Retail and Shopping Malls
Malta’s retail sector is another significant source of employment, particularly for customer-facing roles. The island’s modern shopping malls are not only popular destinations but also major employers. Some of the largest include:
The Point Shopping Mall (Sliema)
Bay Street Shopping Complex (St. Julian’s)
Tigné Point (Sliema)
The Plaza Shopping Centre (Sliema)
PAMA Shopping Village (Mosta)
These malls house a wide range of international and local brands, creating thousands of jobs in retail sales, management, logistics, and customer service.
Finding a Job in Malta
Securing a job in Malta requires a proactive and multi-channel approach. Here are the most effective platforms and strategies for your job search:
Online Job Portals
Jobsplus: The official government employment agency. While comprehensive, it's often used for fulfilling regulatory requirements.
JobsInMalta.com: A leading private job portal with a vast range of listings across all sectors.
LinkedIn: Increasingly the platform of choice for Maltese companies and recruiters, especially for professional and senior roles. A well-optimized profile is essential.
Indeed Malta: A popular international job board with a strong and growing presence in Malta.
Konnekt.com: A well-established recruitment agency with an extensive job board for high-quality positions.
Recruitment Agencies
Engaging with specialized recruitment agencies can be highly effective. They often act as gatekeepers for top-tier roles, have access to unadvertised positions, and can provide invaluable guidance. Insider Tip: Building a relationship with a recruiter in your specific sector (e.g., tech, finance) can give you a significant advantage.
Networking
Do not underestimate the power of networking in Malta. Attending industry events (like SiGMA for iGaming) and connecting with professionals in your field can open doors to new opportunities. Malta has a close-knit business community where a good referral can be incredibly fruitful.
Part 2: Work Permits and Visas
Navigating the immigration process is the most critical logistical step for anyone planning to work in Malta. As an EU member, Malta's system is efficient but precise, with clear distinctions based on your nationality. This section provides a detailed overview of the procedures for EU/EEA/Swiss citizens, UK nationals, and third-country nationals (TCNs).
For EU/EEA/Swiss Citizens
Thanks to the principle of freedom of movement within the European Union, citizens of EU and EEA countries, as well as Switzerland, enjoy the right to live and work in Malta without the need for a visa or work permit. However, for stays longer than 90 days (three months), you are required to register your presence with the Maltese authorities.
Registration Process
You must apply for an eResidence card from Identità, Malta’s identity management agency. This card serves as your official identification and proof of residency.
To complete the registration, you will typically need to provide:
Proof of employment (a signed employment contract or a letter from your employer).
Alternatively, proof that you are self-sufficient and can support yourself financially without being a burden on the Maltese social security system.
A valid passport or national identity card.
Proof of address in Malta (e.g., a rental agreement).
For UK Nationals (Post-Brexit)
The rules for UK nationals are now split, depending on when they established residency in Malta.
UK Nationals Residing in Malta Before January 1, 2021
Those who were legally residing in Malta before the Brexit transition period ended are covered by the EU-UK Withdrawal Agreement. They must hold a specific biometric residence card (the "new residence document") to maintain their residency and work rights.
UK Nationals Arriving After January 1, 2021
UK nationals who move to Malta after this date are treated as third-country nationals (TCNs). While they can visit the Schengen Area (including Malta) for up to 90 days in any 180-day period for tourism, they require both a long-stay visa and a valid work permit to work and reside in the country long-term. The most common route is the Single Permit.
For Third-Country Nationals (TCNs)
For individuals who are not citizens of the EU, EEA, or Switzerland, the primary pathway to employment in Malta is the Single Permit. This permit efficiently combines both work and residence authorizations into a single document. This process is employer-led, which is a critical point to understand: you cannot apply for this permit without a confirmed job offer.
The Single Permit Application Process
Secure a Job Offer: The first and most crucial step is to secure a job offer from a company in Malta that is willing to sponsor your application.
Application Submission by Employer: Your employer submits the Single Permit application to Identità, usually while you are still in your home country.
Labour Market Test: Jobsplus, the public employment service, conducts a labour market test. This is to ensure that no suitable candidates from Malta or the EU are available to fill the position. The employer must provide evidence that they have advertised the job locally. *Note: This test is often waived for highly skilled roles or positions on the 'in-demand' list.*
Approval and Visa Issuance: If the application is approved, you will receive an “Approval in Principle” letter. With this letter, you can then apply for a National (D) Visa at a Maltese embassy or consulate in your country of residence to enter Malta.
Arrival and Final Steps: Upon arrival in Malta, you must submit your biometric data (fingerprints and a photograph) to Identità. It is important to note that you can only legally start working once you have received your eResidence card or an official blue Interim Receipt.
Key Employee Initiative (KEI)
For highly skilled professionals, Malta offers a fast-track option called the Key Employee Initiative (KEI). This scheme is designed for individuals in managerial or highly technical roles with a minimum annual salary of €30,000 (as of 2025). The primary benefit is the processing time, which is often reduced to just 15 working days, a stark contrast to the standard permit process which can take several months.
Special Residency and Work Options
Malta also offers several other residency options that may include the right to work:
Nomad Residence Permit (Digital Nomad Visa)
This permit is immensely popular and designed for non-EU nationals who work remotely. To qualify, you must be employed by a non-Maltese company, run your own business registered abroad, or offer freelance services to clients based outside of Malta. There is a minimum income requirement (approx. €42,000 gross per year), and the permit is valid for one year, with the possibility of renewal.
Student Work Rules
International students (TCNs) enrolled in courses longer than 90 days are permitted to work up to 20 hours per week during their studies and full-time (40 hours per week) during holidays. This right to work typically begins after the first three months of their studies, allowing students to support themselves.
It is crucial to remember that working on a short-stay Schengen (C) visa (tourist visa) is strictly prohibited and can result in deportation and a ban from the Schengen Area. You must have a valid work permit before commencing any employment in Malta.
Part 3: Cost of Living
One of the most critical considerations for anyone planning a move to Malta is the 2025 cost of living. While Malta often boasts a more affordable lifestyle compared to hubs like London, Paris, or Dublin, with consumer prices approximately 12.4% lower than the EU average [4], it is essential to have a nuanced, realistic understanding of the expenses involved. The cost of living is a tale of two parts: while some items (like public transport) are cheap, others (like imported goods and, increasingly, rent) can rival more expensive European cities. Your lifestyle, location choice, and spending habits will be the deciding factors.
Average Monthly Expenses
To provide a clear picture, here is a breakdown of the estimated average monthly expenses for both a single person and a family of four. These figures are based on a moderate lifestyle and do not include rent, which is the single largest expense for most residents.
According to data from late 2025, a single person can expect to need around €860 per month for living expenses, excluding rent. For a family of four, this figure rises to approximately €3,100 per month [4].
Here is a more detailed breakdown of a potential monthly budget, including rent, to provide a more complete picture:
| Expense Item | Single Person’s Expenses (EUR) | Family of Four’s Expenses (EUR) |
|---|---|---|
| Rent (1-bedroom / 3-bedroom in central area) | €800 - €1,200 | €1,500 - €2,500+ |
| Utilities (Electricity, Water, Refuse) | €80 - €150 | €200 - €350 |
| Internet and Mobile Services | €35 - €60 | €55 - €80 |
| Groceries and Food | €350 - €500 | €800 - €1,200 |
| Transportation (Public or some ride-sharing) | €20 - €40 | €80 - €120 |
| Healthcare (Private Insurance, if applicable) | €50 - €100 | €200 - €450 |
| Leisure and Entertainment (Dining out, etc.) | €200 - €350 | €400 - €600 |
| Estimated Total (Moderate Lifestyle) | €1,735 - €2,600 | €3,235 - €5,300+ |
Source: Immigrant Invest, 2025 [4] and local data analysis.
Housing Costs
Let's be clear: housing will be your single largest and most variable expense. The market is competitive, and prices for both renting and buying property have seen steady, significant growth over the past decade. The cost varies dramatically depending on the location, size, modernity, and condition of the property. The northern and central regions, particularly popular expat hubs like Sliema and St. Julian’s, command premium prices for their convenience and amenities. In contrast, a 15-minute drive south or a ferry ride to Gozo can unlock dramatically more affordable and often more spacious options.
A detailed analysis of the housing market, including rental and purchase prices by area, is provided in Part 4 of this guide.
Utilities
Utility costs in Malta are managed by ARMS Ltd., which handles both electricity and water services. There is no central heating or gas network in most Maltese homes; heating and cooling are typically managed with air conditioning units (which are essential) and electric heaters. This can significantly impact electricity bills, especially during the peak hot summer months (July-September) and the cooler, damp winter periods (January-February).
Electricity
The tariff is based on consumption, ranging from approximately €0.12 to €0.70 per kWh. A household’s bill will fluctuate based on the heavy use of air conditioning.
Water
Water tariffs also depend on consumption, with rates between €1.40 and €5.14 per cubic meter. Water is a precious resource in Malta.
Internet
A standard, high-speed home internet package (Fibre) costs between €20 and €50 per month, depending on the provider (e.g., GO, Melita) and the connection speed.
Food and Groceries
Food prices in Malta are generally reasonable, but they can be higher than in other Southern European countries like Italy or Spain. This is because Malta has limited agricultural land and freshwater sources, necessitating the import of most food items, primarily from nearby Sicily and mainland Europe.
Locally produced goods, such as fresh fish (from Marsaxlokk), olives, citrus fruits, and certain vegetables, are more affordable and can be found in local markets (like the Ta' Qali Farmer's Market) and supermarkets (like Lidl, PAMA, or Welbee's). A single person can expect to spend between €350 and €500 per month on groceries, while a family of four will likely spend between €800 and €1,200.
Here are some average prices for common grocery items [4]:
| Product | Average Price (EUR) |
|---|---|
| Milk (1 litre) | €1.00 - €1.20 |
| Loaf of White Bread (500g) | €1.00 - €1.30 |
| Rice (1 kg) | €2.50 - €3.50 |
| Eggs (dozen) | €2.80 - €3.50 |
| Chicken Fillets (1 kg) | €8.00 - €9.00 |
| Apples (1 kg) | €2.50 - €3.50 |
| Tomatoes (1 kg, local) | €2.00 - €3.00 |
| Potatoes (1 kg, local) | €1.50 - €2.00 |
Transportation
Malta has a comprehensive public bus system that covers the entire island, making it an extremely cost-effective way to get around. A monthly Tallinja card for unlimited travel is very affordable (around €26 for adults). For those who prefer the convenience of a private car, it is important to factor in the high costs of fuel, insurance, and the often-challenging parking situation in densely populated areas. Ride-sharing services like Bolt, Uber, and eCabs are widely available, popular, and offer a convenient alternative to car ownership.
Healthcare
Public healthcare in Malta is of a very high standard and is free for all residents who contribute to the social security system (which you will do as an employee). However, for most non-EU nationals, private health insurance is a mandatory requirement for obtaining a residence permit. The cost of basic private health insurance can range from €50 to €100 per month for a single person and can be significantly higher for a family, depending on the level of coverage.
Part 4: Housing and Accommodation
Finding the right place to live is one of the most significant steps in the relocation process. Malta’s housing market is fast-paced, competitive, and diverse, offering a range of options from ultra-modern apartments in bustling towns to traditional, stone-built farmhouses in serene villages. Our best advice: be prepared to make a decision quickly. A good property in a prime location, priced fairly, may be leased within hours of being listed.
The Rental Market
The rental market in Malta is highly active, particularly in the central and northern regions where most jobs are concentrated. Properties can move on and off the market with incredible speed, so it’s essential to be prepared to act fast when you find a suitable home.
Rental Prices
Rental prices are primarily dictated by location, modernity, and size. The most expensive areas are the popular expat hubs of Sliema, St. Julian’s, and the capital city, Valletta. These areas offer a vibrant lifestyle with a high concentration of shops, restaurants, and amenities, and are close to the main business centers. For those on a tighter budget, the southern part of Malta and the island of Gozo provide more affordable alternatives.
Here is a comparison of average monthly rental prices for a one-bedroom apartment in different regions:
| Region/Area | Average Monthly Rent (1-Bedroom Apartment) (EUR) |
|---|---|
| High-Density (North/Central) | |
| Sliema / St. Julian’s / Gzira | €900 - €1,300+ |
| Valletta (Historic, smaller units) | €900 - €1,300+ |
| Central (Affordable & Popular) | |
| Msida / Mosta / Naxxar / Birkirkara | €700 - €950 |
| Southern Malta | |
| Marsascala / Birżebbuġa | €650 - €900 |
| Gozo | |
| Victoria / Marsalforn | €550 - €800 |
Source: Internal analysis of data from FrankSalt, RE/MAX, and local property portals, 2025.
For larger properties, such as a modern three-bedroom apartment suitable for a family, you can expect to pay upwards of €1,600 - €3,000+ per month in the prime northern coastal areas.
Finding a Rental Property
Real Estate Agencies: This is the most common method for finding a rental property in Malta. Agencies like Frank Salt, RE/MAX, Perry, and Dhalia have extensive listings and experienced agents. Insider Tip: Agency fees are typically equivalent to half of the first month’s rent + VAT, paid by both the landlord and the tenant.
Online Portals: Websites like Maltapark, Facebook Marketplace, and various expat groups on Facebook (e.g., "Find a flat in Malta") are popular platforms for finding direct rentals from landlords, which can help you avoid agency fees. Be cautious of scams.
Lease Agreements: Standard lease agreements in Malta are for a minimum of one year. Shorter-term (6-month) leases are possible but will be significantly more expensive. It is crucial to read the contract carefully before signing. A typical deposit is equivalent to one or two months’ rent, which is refundable at the end of the lease, provided the property is returned in good condition.
Buying Property
For those looking to make a more permanent move, buying property in Malta can be a sound long-term investment. The real estate market has shown consistent appreciation over the years. However, the process can be complex for foreigners, with different rules for EU and non-EU citizens.
Property Prices
Property prices, like rentals, vary significantly by location. The average cost per square metre can range from €2,500 in less developed areas to over €9,000 in prime locations and new luxury developments [4].
Regulations for Foreign Buyers
EU Citizens: EU citizens who have resided in Malta for five continuous years can buy property without restrictions. Those who haven't must obtain an AIP permit to buy a secondary property (the first property is exempt).
Non-EU Citizens (TCNs): TCNs must obtain an Acquisition of Immovable Property (AIP) Permit to purchase any property. This permit is generally granted for properties intended to be your primary residence and above a certain minimum value.
Special Designated Areas (SDAs): Foreigners (both EU and non-EU) can purchase property in SDAs without any restrictions or permits. These are typically high-end, luxury developments that offer a range of amenities. Examples include Tigné Point in Sliema, Portomaso in St. Julian’s, and Fort Cambridge in Sliema.
Purchase Costs: In addition to the property price, buyers must budget for several other significant costs, including:
Stamp Duty: 5% of the property value (with some exceptions for first-time buyers).
Legal and Notary Fees: Approximately 1.5% to 2.5% of the property value.
Best Areas to Live for Expats
Choosing where to live in Malta depends heavily on your lifestyle preferences, budget, and workplace location. Here is a breakdown of the most popular areas for expats:
For the Urbanite and Young Professional
Sliema & St. Julian’s (and Gzira/Msida): These neighbouring coastal towns are the undisputed epicentre of expat life. This is where most iGaming, finance, and tech companies are located, making it a popular and practical choice. They offer a modern, cosmopolitan lifestyle with an abundance of restaurants, bars, cafes, shops, and co-working spaces. St. Julian’s is known for its vibrant nightlife (Paceville). This convenience, however, comes at a premium, as this is the most expensive area for housing.
For the Culture and History Enthusiast
Valletta: The capital city is a UNESCO World Heritage site, offering a unique living experience amidst stunning historical architecture. It is a cultural hub with museums, theatres, and art galleries. Living in Valletta is expensive, properties are often smaller and older, but it is perfect for those who appreciate history and a more refined, traditional atmosphere.
The Three Cities (Birgu, Senglea, Cospicua): Located across the Grand Harbour from Valletta, the Three Cities offer a more authentic and tranquil living experience. They are rich in history and character, with beautiful waterfronts, a growing restaurant scene, and a strong sense of community.
For Families and Those Seeking a Quieter Lifestyle
Mosta, Naxxar & Attard: These central towns (known as the "Three Villages" area) offer a more residential and family-friendly environment. They are less hectic than the coastal hubs, provide more affordable and spacious housing options (including villas), and are home to several excellent private schools.
Marsascala: A charming coastal town in the south of Malta, Marsascala is known for its picturesque bay, long promenade, and relaxed atmosphere. It is a popular choice for families and those seeking a quieter lifestyle with more affordable housing.
For the Budget-Conscious and Nature Lover
Gozo: Malta’s sister island offers a completely different pace of life—a world apart. It is more rural, tranquil, and significantly cheaper than the main island. It is no longer just for retirees; a growing community of digital nomads and remote workers has discovered its appeal. The fast-ferry service to Valletta has made it a viable, tranquil alternative for those who only need to be in the main office once or twice a week.
St. Paul's Bay / Buġibba: Located in the north, this area is a popular, budget-friendly tourist hub. It offers lower rental prices and a lively seaside atmosphere, though it can be very crowded in summer.
Part 5: Daily Life and Culture
Beyond the practicalities of work and housing, what truly defines the experience of living in Malta is its unique daily life and vibrant culture. The island offers a rich tapestry of history, tradition, and modern Mediterranean living. Understanding these cultural nuances is key to a successful and enjoyable integration into Maltese society.
The Maltese Lifestyle
Life in Malta is a study in contrasts. It blends a relaxed, "take-it-as-it-comes" Mediterranean social life with an efficient and fast-paced professional world, particularly in the tech and finance sectors. For most expats, life is concentrated along the lively coastal towns of Sliema, St. Julian’s, and the surrounding areas. Here, a distinctly relaxed social life, full of long seaside walks and lively piazzas, blends with an efficient professional world. These areas are full of modern co-working spaces and a high concentration of international talent.
When the workday ends, an evening passeggiata, or stroll along the seafront promenade (known as 'the front'), is a cherished local tradition, while piazzas and restaurants come alive late into the evening. On weekends, the island’s compact size makes it simple to escape the hustle. A short drive can take you to the quiet, fortified city of Mdina for lunch, to the cliffs of Dingli for a sunset view, or to a secluded cove for an afternoon swim.
Language
Malta has two official languages: Maltese and English. Maltese is the national language, a unique Semitic language with strong influences from Sicilian, Italian, and English. However, English is the co-official language and is spoken fluently by almost everyone (over 88% of the population). This makes communication incredibly easy for expats. English is the language of business, law, and higher education, removing a significant barrier for those relocating from English-speaking countries.
While it is not necessary to learn Maltese to live and work in Malta, making an effort to learn a few basic phrases (like "Bonġu" for good morning, or "Grazzi" for thank you) will be greatly appreciated by the locals and will help you to integrate more fully into the community.
Safety and Climate
Malta is consistently ranked as one of the safest countries in Europe, with a very low crime rate. This palpable sense of security contributes to the relaxed and family-friendly atmosphere of the island, where it's common to see people walking and socializing late into the night.
The climate is, for many, the number one attraction. Malta enjoys a classic Mediterranean climate with hot, dry, sunny summers and mild, relatively rainy winters. With over 300 days of sunshine a year, the weather is ideal for an outdoor lifestyle, whether it’s swimming from May to October, hiking in the cooler months, or simply enjoying a coffee at an outdoor café in February.
Transportation
Getting around Malta is relatively straightforward, although it can be challenging at times due to significant traffic congestion, especially during peak hours.
Public Transport
The public bus system is extensive, covering the entire island of Malta and Gozo. It is the most cost-effective way to travel. The Tallinja card offers various prepaid options that make using the bus service even cheaper (e.g., €26/month for unlimited travel).
Ride-Sharing and Taxis
Ride-sharing services like Bolt, Uber, and the local eCabs are widely available, affordable, and offer a convenient way to get around, especially for shorter trips or when public transport is less frequent.
Driving
While having a car offers flexibility, it also comes with challenges. Traffic can be heavy, and parking in popular areas like Sliema or Valletta is difficult and expensive. Malta follows the British system of driving on the left-hand side of the road, which can be an adjustment for many.
Ferries
A regular car ferry service connects Malta to its sister island, Gozo. There are also fast-ferry passenger services from Gozo to Valletta and popular commuter ferry services that connect Sliema, Valletta, and the Three Cities, offering a scenic and often faster alternative to the bus.
Part 6: Practical Relocation Checklist
Moving to a new country is a significant undertaking. This practical, step-by-step checklist is designed to demystify the process and guide you through the key steps to ensure a smooth and stress-free transition to Malta.
Before You Move
Secure Employment
Unless you are moving as a remote worker (Nomad Permit) or are financially independent, your first step should be to secure a job offer from a Maltese employer.
Visa and Work Permit
Once you have a job offer, your employer will initiate the Single Permit application process (for TCNs). Ensure you have all the required documents ready (see below).
Gather Essential Documents
Valid passport (with at least 6 months of validity remaining).
Original Birth certificate (and marriage certificate, if applicable).
Educational and professional qualifications (often requiring official recognition or translation).
A clean police conduct certificate (less than 6 months old).
A comprehensive CV and reference letters.
Book Temporary Accommodation
Book an Airbnb or hotel for your first 2-4 weeks in Malta. This will give you a base from which to search for long-term housing.
Financial Preparations
Inform your bank of your move.
Ensure you have sufficient funds to cover your initial expenses (at least 2-3 months' worth), including a rental deposit (1-2 months' rent) and the first month’s rent upfront.
Open a multi-currency account with a service like Wise or Revolut for easier and cheaper international transfers.
Upon Arrival
Register for Residency
This is your top priority. If you are an EU/EEA/Swiss citizen staying for more than 90 days, apply for your eResidence card. If you are a TCN, you will need to complete the biometric data submission for your Single Permit at Identità.
Open a Bank Account
Opening a local bank account is essential for receiving your salary and paying bills. The main banks are HSBC, Bank of Valletta (BOV), BNF Bank, and APS Bank. Pro Tip: This process can be slower than you might be used to. Be prepared with all your documents (passport, eResidence card/blue paper, rental agreement, and employment contract) and be patient.
Get a Maltese Phone Number
A local SIM card (from providers like GO, Melita, or EPIC) is necessary for communication and for many administrative processes.
Find Long-Term Accommodation
Start your search for a long-term rental property immediately. Engage with real estate agents and browse online portals.
Set Up Utilities
Once you have a rental agreement, you will need to set up your electricity and water accounts with ARMS Ltd. and arrange for internet installation. Ensure the ARMS account is in your name to be eligible for the residential (cheaper) utility tariff.
Settling In
Apply for a Tallinja Card
This will make using public transport much more convenient and affordable.
Get your Social Security Number
Once your residency is approved, you will be issued a Social Security number, which is necessary for employment.
Explore Your New Surroundings
Take the time to get to know your local area ('village') and the wider island. Discover your local "pastizzi" shop!
Join Expat Communities
There are numerous expat groups on Facebook and other social media platforms. Joining these communities can be a great way to meet new people, get practical advice, and feel more at home.
Register with a Doctor
Find a local doctor (GP) and register with them for your healthcare needs. Each town has a public health clinic (Berġa).
Conclusion
Malta presents a unique and compelling proposition: a life and career upgrade set against the backdrop of the Mediterranean. Its blend of a strong, English-speaking economy, diverse job market, and an undeniable quality of life has made it one of the most popular destinations for expatriates from around the world. While this guide has shown that relocation requires careful planning and preparation, the rewards—both professional and personal—are immense and well worth the effort.
From the sun-drenched beaches of Golden Bay to the timeless, fortified streets of Valletta, from the bustling, modern nightlife of St. Julian’s to the tranquil, rustic landscapes of Gozo, Malta is a small island that packs a huge punch. It is a place of opportunity, history, and vibrant living. By leveraging the practical insights in this guide and approaching your move with patience and an open mind, you can ensure that your move to Malta is more than just a change of address—it can be the beginning of an exciting, sun-filled new chapter in your life.
Part 7: Education and Schools in Malta
For expatriates moving to Malta with children, the education system is a primary consideration. Malta offers a high standard of education with a choice of state, church, and independent schools, all following a curriculum largely based on the British model, which makes for an easy transition for many international students.
The Maltese Education System
The education system in Malta is structured into four stages: pre-primary (ages 3-5), primary (ages 5-11), secondary (ages 11-16), and tertiary education. Education is compulsory from the age of 5 to 16.
State Schools
State schools are free for all residents, including expatriates who are registered residents. The language of instruction is primarily Maltese, although English is taught as a second language. This can be a challenge for children who do not speak Maltese, although "induction" programs exist to help foreign students integrate. Transport is also often provided for free.
Church Schools
Church schools, which are predominantly Catholic, are also free to attend (though they ask for donations). They have a reputation for high academic standards but often have long waiting lists and a competitive entry process (often via a lottery system).
Independent and International Schools
These are the most popular choices for expatriates, as they ensure a seamless educational transition for children. They are private, fee-paying schools that offer an international curriculum (like the IB or UK National Curriculum), with English as the primary language of instruction. These schools are known for their high academic standards, smaller class sizes, excellent facilities, and diverse student bodies. Fees can range from €4,000 to €15,000 per year, depending on the school and the year level.
Leading Independent and International Schools
Verdala International School (VIS)
Located in Pembroke, VIS is one of the most well-known international schools. It is fully authorized to offer the International Baccalaureate (IB) program from primary to diploma level.
QSI International School of Malta
Situated in Mosta, QSI offers an American-based curriculum and the IB Diploma. It is popular with American and international families and operates on a mastery-learning model.
St. Edward’s College
A prestigious all-boys Catholic school (with a co-educational sixth form) in Birgu, offering both the Maltese and IB curriculum.
Chiswick House School and St. Martin’s College
These are two of the largest and most reputable independent schools in Malta, offering a British-style education from early years through to sixth form.
Tertiary Education
Malta is also home to the University of Malta (UoM), a publicly funded university with a history dating back centuries. It offers a wide range of undergraduate and postgraduate degrees. The university has a large international student population and many courses are taught in English. There are also several private universities and higher education institutions, such as the Malta College of Arts, Science and Technology (MCAST) for vocational training, and branches of foreign universities like Barts (London School of Medicine) in Gozo.
Part 8: An Expanded Look at Daily Life
Leisure and Recreation
Malta’s Mediterranean location and favorable climate mean that leisure time is overwhelmingly spent outdoors. The island offers a wealth of recreational activities to suit all interests, packing a remarkable amount of variety into its small size.
Beaches and Water Sports
Malta and Gozo are dotted with beautiful beaches, from the popular sandy bays of Golden Bay and Mellieħa Bay to the more secluded rocky coves like St. Peter's Pool. The clear, warm waters are perfect for swimming, snorkeling, diving, kayaking, and sailing. Malta is consistently ranked as one of the top diving destinations in the world, with numerous historical wrecks and natural underwater formations to explore.
History and Culture
For history buffs, Malta is an open-air museum. The island is home to three UNESCO World Heritage sites: the City of Valletta, the Megalithic Temples (older than the pyramids), and the Ħal Saflieni Hypogeum (a subterranean necropolis). There are countless historical sites, museums, and fortifications to explore, offering a tangible glimpse into Malta’s rich and complex past, from the Knights of St. John to WWII.
Festas and Events
The Maltese love to celebrate, and the summer months are filled with traditional village festas. These religious festivals are a core part of the Maltese summer, a vibrant, loud spectacle of processions, fireworks, marching bands, and food. You will hear fireworks at all hours, and it's best to simply embrace the spectacle as a unique insight into Maltese culture. The island also hosts a variety of international music festivals (like Glitch), art exhibitions, and sporting events.
Dining and Cuisine
Maltese cuisine is a delicious, rustic fusion of Mediterranean flavors, with strong influences from Sicily and North Africa. Fresh seafood is a staple, as are traditional dishes like stuffat tal-fenek (rabbit stew), pastizzi (iconic savory pastries), and lampuki pie (fish pie). The island has a thriving restaurant scene, from casual seaside eateries serving fresh fish to Michelin-starred fine dining establishments in Valletta and Mdina.
The Expat Community
Malta has one of the largest and most established expat communities in Europe relative to its size. This makes it incredibly easy for newcomers to settle in, make friends, and build a social network. There are numerous expat groups on social media platforms like Facebook (e.g., "Expats in Malta") and Meetup.com, where members share advice, organize events (hikes, dinners, beach days), and offer support. The high concentration of expats, particularly in areas like Sliema and St. Julian’s, means that you are never far from a familiar accent or a friendly face, which can be a great comfort when relocating.
Final Thoughts: Is Malta the Right Move for You?
Moving to Malta can be an incredibly rewarding, life-changing experience, but it is not without its unique challenges. The decision to relocate should be based on a careful, honest consideration of the pros and cons and how they align with your personal and professional goals.
The Allure of Malta
The primary draws of Malta are undeniable. The Mediterranean lifestyle, characterized by a relaxed pace, abundant sunshine, and a strong sense of community and family, is a major attraction. The country’s profound history and living culture provide a unique and stimulating environment. For professionals, the thriving, English-speaking economy, particularly in the iGaming, finance, and tech sectors, offers significant career opportunities that are hard to find elsewhere in such a compact location. The widespread use of English removes the language barrier that can be a major hurdle in other European countries. Furthermore, the favorable tax system for non-domiciled residents can be a significant financial advantage.
The Realities of Island Life
However, it is essential to be realistic about the challenges of living on a small, densely populated island. The “island factor” can manifest in several ways: a slower pace of bureaucracy that can test your patience, a limited local market for certain goods, and for some, a sense of "island fever." Traffic congestion and the constant noise of construction in developing areas are practical daily frustrations that can detract from the otherwise idyllic lifestyle. The cost of living, particularly housing in central areas, has risen sharply and while still more affordable than many major European hubs, it is no longer the bargain it once was.
Ultimately, Malta is an excellent choice for those who are adaptable, patient, and seeking a unique blend of career opportunities and a high quality of life. It is particularly well-suited for:
Skilled professionals in the iGaming, finance, and IT sectors who want to fast-track their careers.
Digital nomads who can take advantage of the Nomad Residence Permit and the vibrant co-working scene.
Entrepreneurs looking to establish a business in a pro-business, English-speaking EU jurisdiction.
Families seeking a safe environment with excellent, English-speaking international schools.
Retirees who want to enjoy a sunny, active, and relaxed lifestyle with access to high-quality healthcare.
If you value a work-life balance that leans heavily towards ‘life’, and you are prepared to embrace the quirks and challenges of Mediterranean island living with a sense of humor, then Malta may very well be the perfect place for you to call home.
Part 9: A Deeper Dive into Taxation in Malta
Malta’s tax system is one of its most significant attractions for expatriates and international businesses. The system is complex, but it offers substantial benefits, particularly for individuals who qualify as non-domiciled residents. This section provides a more detailed look at the key aspects of taxation in Malta.
The Concept of Domicile and Residence
To understand the Maltese tax system, it is crucial to distinguish between ‘domicile’ and ‘residence’. This is the most important concept to grasp.
Residence
This is a matter of fact and is determined by where you physically live and spend your time. If you reside in Malta for more than 183 days in a calendar year, you are considered a tax resident for that year.
Domicile
This is a legal concept that connects an individual to a particular legal system. Your domicile of origin is typically the country of your father at the time of your birth. You can acquire a domicile of choice by moving to a new country with the clear intention of making it your permanent home forever. Most expatriates who move to Malta, even for many years, will retain their non-Maltese domicile of origin and are therefore considered ‘non-domiciled’ in Malta.
The Remittance Basis of Taxation
The cornerstone of Malta’s personal tax system for residents who are non-domiciled is the remittance basis of taxation. This means that your tax liability in Malta is determined not by your total global income, but *only by what income you bring into the country.*
Income Arising in Malta
Any income and capital gains that you generate within Malta (e.g., your salary from a Maltese company) are fully taxable at the standard progressive rates.
Foreign Income Remitted to Malta
Income that you earn outside of Malta (e.g., from foreign investments, pensions, or remote work for foreign clients) is only taxed in Malta *if* it is remitted to, or received in, Malta. The tax rate for this remitted foreign income is a flat 15%.
Foreign Income Not Remitted to Malta
Foreign-source income that is kept in bank accounts outside of Malta is not subject to Maltese tax.
Foreign Capital Gains
Capital gains that arise outside of Malta (e.g., from selling foreign stocks or property) are not taxed in Malta, *even if they are remitted to the country*. This is a significant advantage for investors.
This system allows non-domiciled residents to structure their financial affairs in a highly tax-efficient manner. It is important to note that there is a minimum annual tax liability of €5,000 for individuals who benefit from this status and earn over €35,000 in foreign-source income.
Progressive Income Tax Rates
For income that is taxable in Malta (i.e., income arising in Malta), the following progressive tax rates apply (2025 rates for a single person):
| Taxable Income (EUR) | Rate | Subtract (EUR) |
|---|---|---|
| 0 - 9,100 | 0% | 0 |
| 9,101 - 14,500 | 15% | 1,365 |
| 14,501 - 19,500 | 25% | 2,815 |
| 19,501 - 60,000 | 25% | 3,730 (*This is not a typo; the bracket is wide*) |
| 60,001+ | 35% | 9,730 |
Note: Different, more favorable rates apply for married couples and parents (parental rates).
Other Taxes
Value Added Tax (VAT)
The standard rate of VAT in Malta is 18%. There are reduced rates for certain goods and services (e.g., 7% for accommodation).
Stamp Duty
As mentioned in the housing section, stamp duty (typically 5%) is payable on the purchase of property and on the transfer of shares.
No Inheritance or Wealth Tax
Malta does not levy any inheritance tax, estate duty, or wealth tax on its residents.
Corporate Taxation
Malta also offers a highly attractive corporate tax system. While the headline corporate tax rate is 35%, a full imputation system and a system of tax refunds for shareholders (both local and foreign) can result in a significantly lower effective tax rate, often as low as 5% for trading income. This has made Malta a popular jurisdiction for international companies and holding structures.
Disclaimer: The tax system is complex and subject to change. It is strongly recommended that anyone moving to Malta seeks professional, personalized advice from a qualified tax advisor to ensure they are compliant with all regulations and are making the most of the available tax benefits.
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