Malta, with its Mediterranean charm, rich history, and English-speaking environment, has become a hotspot for expats seeking residency or citizenship in Europe. Whether you’re an EU citizen looking to settle without hassle, a non-EU citizen exploring residency options, or someone pursuing Maltese citizenship, this guide breaks down all you need to know about moving to Malta and the relevant visa, residency, and citizenship pathways.
Residency Options in Malta
For EU/EEA Citizens
EU and EEA citizens benefit from freedom of movement, making the residency process straightforward:
- Stay up to 3 months without needing to register.
- Registration after 90 days requires proof of employment, self-employment, or financial self-sufficiency.
- Permanent residence eligibility after 5 years of uninterrupted residence.
Registration is handled through Identity Malta, where EU nationals must provide documentation such as proof of address and employment contracts.
For Non-EU Citizens
Non-EU citizens, including Americans, British nationals, and Australians, must meet stricter requirements to live in Malta. The key residency options are outlined below.
Malta Nomad Residence Permit
Ideal for remote workers, the Nomad Residence Permit offers a renewable one-year visa for individuals employed outside Malta.
Requirements:
- Minimum annual income of €42,000 or equivalent from remote work.
- Proof of remote employment or business ownership.
- Valid private health insurance.
- Application fee of €300.
This permit is particularly attractive for digital nomads due to Malta’s excellent internet infrastructure and thriving coworking spaces.
Malta doesn’t care how long you stay during your 12 months nomad residency permit term, BUT you must be able to prove you stayed at least 5 months in Malta to be able to renew the permit for the 2nd/3rd/4th year. LoveKutaisi – Reddit
Employment-Based Residency
Non-EU citizens can relocate to Malta if they secure a job offer from a Maltese employer. The employer sponsors the work permit application.
Key Details:
- Initial permits are valid for one year, renewable based on continued employment.
- Applicants must meet qualifications for the job and provide proof of financial means.
- Common industries hiring expats include iGaming, finance, technology, and tourism.
You will need a lease agreement (+ its approval by the housing authority email) before you get to your appointment. If you are still abroad your employer should help you find accommodation for these first 2 weeks. Unlikely-Jello-4843 – Reddit
Malta Permanent Residence Programme (MPRP)
The MPRP offers long-term residency for individuals and families who invest in Malta. This program is particularly popular for those seeking a gateway to European residency.
2024 Requirements:
- Minimum financial contribution: €68,000 for property rentals or €98,000 for property purchases.
- Minimum property purchase: €300,000 in southern Malta/Gozo, €350,000 elsewhere.
- Minimum property rental: €10,000 annually in southern Malta/Gozo, €12,000 elsewhere.
Be warned. Permanent residence brings to an end the source and remittance basis of taxation and you’re taxed on a worldwide basis like any other Maltese. malteselawyer – Reddit
Key Changes to the MPRP Starting January 1, 2025
The MPRP will become significantly more expensive and strict.
Cost Increases:
- Administrative fee increases from €40,000 to €50,000.
- Financial contribution rises to €30,000 (owned property) or €60,000 (rented property).
- New dependent fees: €10,000 per dependent (previously €0).
For a family of four, costs will increase by €62,000, from €150,000 to €212,000.
Tougher Property and Asset Requirements:
- Minimum property purchase rises to €375,000.
- Minimum annual rent increases to €14,000.
- Applicants must prove ownership of €650,000 in assets, including €75,000 in financial assets.
If you’re considering the MPRP, applying before the end of 2024 will save money and avoid stricter conditions.
Malta Global Residence Programme (GRP)
This residency program targets individuals looking for tax benefits.
Key Requirements:
- Rent or purchase property with specific thresholds: €8,750 annual rent or €275,000 purchase price.
- Minimum annual tax contribution of €15,000.
- Proof of stable financial income.
The GRP is ideal for retirees and financially independent individuals who wish to live in Malta without working.
Citizenship in Malta
By Birth
Children born to at least one Maltese parent automatically acquire Maltese citizenship, regardless of where they are born.
By Marriage
Spouses of Maltese citizens can apply for citizenship after five years of marriage, provided they have lived together for at least five cumulative years.
Once you’re married your partner has the same rights and duties as you. So she’ll get a residence card for Malta and is allowed to live and work here without the need for a work permit. td888 – Reddit
By Naturalization
Naturalization is available to long-term residents who have lived in Malta for at least 5 years (continuous). Applicants must demonstrate integration into Maltese society, good character, and proficiency in English or Maltese.
If you have been a resident for 5 years, without moving abroad in the mean time (for more than three months if I am correct) you can apply for Maltese citizenship. No-Lawfulness2267 – Reddit
By Investment: Malta Exceptional Investment Naturalisation (MEIN)
For high-net-worth individuals, the MEIN program provides an expedited pathway to Maltese citizenship through investment.
Requirements:
- Financial Contribution:
- €600,000 (3-year residency pathway).
- €750,000 (1-year residency pathway).
- Property Purchase or Rental:
- Purchase property worth at least €700,000.
- Rent property at €16,000 annually for 5 years.
- Donation: €10,000 to a registered Maltese charity or NGO.
Applicants undergo a stringent due diligence process. Successful applicants gain not only Maltese citizenship but also the ability to live, work, and travel freely within the European Union.
READ ALSO: Investor Visa Countries 2024 >> Citizenship or Residency by Investment
Financial Requirements for Residency and Citizenship
Malta’s visa and residency pathways often require proof of stable finances, ensuring applicants can support themselves and their dependents.
Overview of Financial Requirements
- Nomad Residence Permit: Minimum €42,000 annual income.
- MPRP: €500,000 in assets, including €150,000 in financial investments (2025).
- GRP: Stable income and €15,000 annual tax contribution.
- MEIN: Contribution starting at €600,000, plus property investment and donation.
Tax benefits written in tax law for Malta Digital Nomad’s is specifically for the main applicant, and dependent partners with their own foreign income are not covered by the tax benefits. LoveKutaisi
READ ALSO: Living in Malta: Your Complete Expat Guide.
Healthcare Requirements
Most visa and residency pathways mandate private health insurance. Malta offers a high-quality healthcare system, but private coverage ensures faster access and broader coverage.
- Private insurance costs range from €300 to €1,000 annually.
- EU citizens can access public healthcare through EHIC/GHIC cards for temporary stays.
READ ALSO: Expat Health Insurance Quotes
Key Considerations
- Timing: With major changes to the MPRP in 2025, acting now can save you significant costs and effort.
- Professional Guidance: Working with immigration consultants or legal experts ensures smooth navigation of Malta’s residency and citizenship processes.
- Lifestyle Fit: Malta’s programs cater to diverse needs—whether you’re a retiree, remote worker, or investor, there’s a pathway tailored for you.
READ ALSO: US Expat Taxes Guide – How to make it easier
Final Thoughts
Malta’s residency and citizenship options provide opportunities to live, work, and invest in one of Europe’s most desirable locations. While EU citizens enjoy straightforward relocation, non-EU nationals have multiple tailored programs to suit their needs. However, upcoming changes to the MPRP in 2025 mean acting quickly can save you thousands of euros and avoid stricter requirements.
Whether you’re pursuing long-term residency or full citizenship, Malta’s unique blend of Mediterranean lifestyle, modern infrastructure, and strategic location makes it an exceptional choice for expats and investors alike.
