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Services · Personal accounts

Personal accounts: Malta

An honest assessment before work starts, the quote is fixed in writing.

We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, so no one can guarantee an opening - careful preparation simply improves the odds.

We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.

Fees

ServicePrice
Personal account - opening assistanceon request

Prices are indicative and cover our work on a typical case. We confirm the exact quote in writing after a short call - you know the final number before we start. Government fees and bank tariffs are billed separately unless explicitly included.

See also

Company formation · Business account · Investment property · Country taxes · All country programs

FAQ

Can a non-resident open a personal account in Malta?
EU citizens have it easier; everyone else needs a clear reason such as work, studies, residence, property or a business in Malta. Banks ask outright why you want the account here and decline without a good answer. Opening from abroad without ever showing up is generally not realistic.
Do I need a Maltese address or residence permit?
Proof of a Maltese address is required in almost every case, usually a utility bill or a lease. A residence permit is not formally mandatory for EU citizens, but it strengthens any application considerably. The stronger your link to the country, the shorter the process.
Do I have to visit Malta in person?
Usually yes - a branch meeting with original documents is still standard for new clients. Some banks let you start the application online but finish verification face to face. Plan the trip and book an appointment in advance.
Does Malta report bank accounts abroad?
Yes, as an EU member Malta takes part in automatic exchange of information and CRS. Your account and balance data goes to your country of tax residence each year. Holding an account in Malta does not by itself make you a Maltese tax resident.

Don’t want to figure this out alone?

We handle the whole process end to end: we assess your chances with specific banks, prepare your documents and give you honest timelines. Leave your details and a personal banking expert will get back to you. The first consultation is free.

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