Why Move to Malta?
Malta has become one of Europe's most popular expat destinations, attracting thousands of people each year from around the world. This small Mediterranean archipelago offers a unique combination of benefits that make it ideal for relocation.
Advantages
- • English is an official language
- • EU member with Euro currency
- • Excellent climate (300+ sunny days)
- • Safe with low crime rates
- • Favorable tax regimes available
- • Strong expat community
- • Quality healthcare system
- • Rich history and culture
Considerations
- • Small island with limited space
- • Traffic congestion in busy areas
- • Rental prices have increased
- • Hot summers (35°C+)
- • Limited public transport
- • Bureaucracy can be slow
- • Water scarcity issues
- • Small dating/social pool
Malta is particularly popular among remote workers, iGaming professionals, financial services employees, retirees, and EU citizens looking for a Mediterranean lifestyle with familiar comforts.
Visa & Residence Requirements
Your visa requirements for moving to Malta depend on your nationality and purpose of stay. Malta is part of the Schengen Area and follows EU immigration rules.
EU/EEA/Swiss Citizens
EU citizens have the right to live and work in Malta freely under EU freedom of movement.
- No visa required for entry or stay
- Must register with Identity Malta if staying 3+ months
- Obtain residence document (e-Residence card)
- Full right to work without permit
Non-EU Citizens - Employment
Non-EU nationals need a work permit and visa to work in Malta. Your employer typically sponsors this.
- • Single Permit (combined work/residence)
- • Employer must prove no suitable EU candidate
- • Process takes 4-8 weeks typically
- • Key Employee Initiative for skilled workers
Digital Nomad Visa (Nomad Residence Permit)
For remote workers employed by companies outside Malta or self-employed individuals.
- • Valid for 1 year, renewable
- • Minimum monthly income: €2,700 (or €3,500 for families)
- • Must have health insurance
- • Cannot work for Malta-based companies
Student Visa
For those enrolled in recognized educational institutions in Malta.
- • Acceptance letter from accredited institution
- • Proof of funds for tuition and living expenses
- • Health insurance coverage
- • May work part-time (20 hours/week)
Key Immigration Contacts
Identity Malta: identitymalta.com
Jobsplus (Work Permits): jobsplus.gov.mt
Residency Malta Agency: residencymalta.gov.mt
Finding Accommodation
Finding an apartment for rent in Malta is often the biggest challenge for newcomers. The rental market moves quickly, and demand often exceeds supply in popular areas.
Popular Areas for Expats
Central/Urban
- Sliema/St Julian's: Vibrant, expat-heavy, restaurants & nightlife
- Gżira/Ta' Xbiex: Central, more affordable than Sliema
- Valletta: Historic capital, cultural hub
- Swieqi/San Ġwann: Residential, good for families
Quieter/Suburban
- Mellieħa: Northern, beachy, family-friendly
- Mosta/Naxxar: Central Malta, local feel
- Marsascala: Southern, seaside village vibe
- Gozo: Rural, peaceful, lower costs
Average Rental Prices (2025)
| Property Type | Central Areas | Other Areas |
|---|---|---|
| 1-Bedroom Apartment | €900-1,400/month | €650-1,000/month |
| 2-Bedroom Apartment | €1,200-1,800/month | €900-1,400/month |
| 3-Bedroom Apartment | €1,600-2,500/month | €1,200-1,800/month |
| Shared Room | €400-700/month | €300-500/month |
Housing Tips for Newcomers
- • Book short-term accommodation first (Airbnb/hotel) while you search
- • View properties in person before signing anything
- • Maximum legal deposit is 1 month's rent
- • Ensure the lease is registered with the Housing Authority
- • Check commute times—traffic can be significant
Cost of Living
Malta's cost of living is generally lower than Western European capitals but has increased in recent years, particularly for housing. Here's what to budget for.
Monthly Budget Estimates (Single Person)
| Expense | Budget | Comfortable |
|---|---|---|
| Rent (1-bed apartment) | €700-900 | €1,000-1,400 |
| Utilities (elec/water/internet) | €80-120 | €100-150 |
| Groceries | €200-300 | €300-450 |
| Transportation | €50-100 | €150-300 |
| Dining out/Entertainment | €100-200 | €300-500 |
| Health Insurance | €50-100 | €100-200 |
| Total | €1,180-1,720 | €1,950-3,000 |
Coffee (café)
€1.50-3
Restaurant meal
€12-25
Beer (bar)
€3-5
Healthcare System
Malta has a dual healthcare system with both public and private options. The public system is well-run and provides free or subsidized care to those who qualify.
Public Healthcare
- • Free for Malta residents
- • Mater Dei Hospital is the main hospital
- • Health centres in local communities
- • Longer waiting times for non-urgent care
- • EU citizens can use EHIC for emergencies
Private Healthcare
- • Shorter waiting times
- • Choice of doctors and specialists
- • Private hospitals: St. James, St. Thomas
- • Health insurance recommended
- • Costs: €50-100 for GP visit
Health Insurance Requirement
Non-EU citizens typically need private health insurance covering at least €30,000 to obtain a residence permit. Even EU citizens often choose private insurance for faster access to care. Popular providers include Mapfre Middlesea, GasanMamo, and Atlas Insurance.
Banking & Finances
Opening a bank account in Malta is essential for receiving salary, paying rent, and managing daily expenses. The process can be straightforward but requires patience.
Major Banks in Malta
Traditional Banks
- • Bank of Valletta (BOV) - Largest local bank
- • HSBC Malta - International bank
- • APS Bank - Smaller local bank
- • BNF Bank - Part of NBG
Digital/Fintech Options
- • Revolut - Popular among expats
- • Wise - For international transfers
- • N26 - EU digital bank
- • Monese - Easy account opening
Opening a Bank Account
Requirements typically include:
- Valid passport/ID
- Proof of address in Malta (rental contract or utility bill)
- Proof of income (employment contract or bank statements)
- Residence permit (for non-EU citizens)
- Maltese tax number (optional but useful)
Pro Tip
Many expats use Revolut or Wise initially while waiting for traditional bank accounts to be approved. These can be set up within days and work well for everyday spending.
Working in Malta
Malta has a dynamic job market with opportunities across various sectors. The official languages are Maltese and English, with most business conducted in English.
Key Employment Sectors
- iGaming: Major industry, many international companies
- Financial Services: Banking, insurance, fintech
- Technology: Software, IT support, blockchain
- Tourism: Hotels, hospitality, entertainment
- Healthcare: Doctors, nurses, specialists
- Customer Service: Multilingual roles
Employment Essentials
Job search resources include Jobsplus, LinkedIn, Indeed Malta, and local Facebook job groups.
Getting Around
Malta is a small island (27km long) but traffic congestion is a significant issue, especially during rush hours. Here are your transportation options.
🚌 Public Buses (Malta Public Transport)
- • Extensive network covering most areas
- • Single journey: €1.50 (winter) / €2 (summer)
- • 12-trip card: €15 / Monthly pass: €26
- • Tallinja app for routes and payments
- • Can be slow and crowded at peak times
🚗 Driving
- • Drive on the left (like UK)
- • EU licenses valid; others may need conversion
- • Traffic congestion is significant
- • Parking can be difficult in urban areas
- • Consider before bringing/buying a car
🚕 Ride Services & Taxis
- • Bolt - Most popular, affordable
- • eCabs - Local taxi app
- • White taxis - Traditional, fixed rates from airport
- • Typical ride (Sliema-Valletta): €8-15
⛴️ Ferries
- • Gozo Ferry - Ċirkewwa to Mġarr (Gozo)
- • Valletta Ferry - Sliema to Valletta
- • Useful for avoiding traffic
Lifestyle & Culture
Malta offers a unique Mediterranean lifestyle blending historic European culture with modern amenities. The expat community is welcoming and active.
🏖️ Recreation
- • Beautiful beaches and swimming spots
- • Diving and water sports
- • Historical sites (UNESCO World Heritage)
- • Vibrant nightlife in Paceville
- • Restaurants and café culture
👥 Expat Community
- • Large international community
- • Facebook groups for expats
- • InterNations Malta events
- • Sports clubs and hobby groups
- • National community associations
Cultural Tips
- Religion: Malta is predominantly Catholic; respect church hours and festa celebrations
- Language: English is widely spoken; learning basic Maltese is appreciated
- Pace of Life: Things can move slowly; patience is a virtue
- Summer Hours: Many shops close early afternoon in summer
Relocation Checklist
Use this checklist to organize your move to Malta step by step.