The Court of Justice of the European Union (CJEU) has set 29th April 2025 as the date for its long-awaited ruling in Case C-181/23, the infringement proceedings brought by the European Commission against the Republic of Malta over its Citizenship regulations.
This ruling will mark the culmination of a legal process that began in October 2020, with formal proceedings launched in March 2023. At the heart of the dispute is Malta’s Naturalisation for Exceptional Services by Direct Investment Regulations, a framework that allows up to 1,500 individuals (with a cap of 400 main applicants annually) to acquire Maltese citizenship through investment.
Background to the Case
The European Commission alleges that Malta is in breach of Article 20 and Article 4(3) of the Treaty on the Functioning of the European Union (TFEU). It claims that granting citizenship to individuals without a “genuine link” to the country undermines the integrity of EU citizenship. According to the Commission, citizenship should only be conferred upon individuals who have a real and meaningful connection to Malta.
Malta, in response, maintains that the decision to grant citizenship is a matter of national sovereignty. Moreover, Malta emphasises that its citizenship framework incorporates a mandatory residence requirement of either 36 or 12 months before submitting a citizenship application, mandatory requirement to establish connections with the Island, along with a rigorous due diligence process designed to ensure applicants are reputable and of good standing.
Advocate General’s Opinion
On the 4th of October 2024, Advocate General Collins issued his opinion on the case, recommending that the Court dismiss the Commission’s action and that the Commission bear its own costs and those of Malta.
Collins argued that the Commission had failed to demonstrate that EU law requires a “genuine link” for the acquisition of citizenship. He further underscored that, in line with established case-law, it is the exclusive competence of each Member State to determine the conditions under which its nationality may be granted or withdrawn. As such, citizenship decisions lie outside the scope of EU law, unless a Member State’s actions are clearly in violation of specific EU legal provisions.
Quoting from his opinion, Collins stated:
“Member States have decided that it is for each of them alone to determine who is entitled to be one of their nationals and, as a consequence, who is an EU citizen.”
While Advocate General opinions carry significant weight, they are not binding on the Court and the final decision rests solely with the CJEU
Judgement Date
The CJEU’s decision on 29 April 2025 is expected to bring legal clarity and a final decision by the Court of Justice on Malta’s citizenship by investment regulations.
Our Maltese Citizenship by Investment Services
We offer the following services in relationship to Malta Citizenship by Investment:
- advising you on your eligibility and your chances of success before filing your application;
- guiding you with the preparation and forwarding of the necessary documentation;
- vetting and preparing all supporting documentation for submission;
Applications for Maltese Citizenship by Investment are to be made to and processed wholly by Agenzija Komunita Malta. Dr Priscilla Mifsud Parker is a Licensed Agent, holding licence AKM-ACCA.
Are you an American citizen dreaming of a second passport that offers visa-free travel to over 190 countries, the right to live and work across Europe, and a gateway to new financial and lifestyle possibilities, all without surrendering your American citizenship? Malta, a Mediterranean gem and EU member state, offers one of the most appealing dual citizenship options for Americans. Whether through investment or ancestry U.S. nationals have several routes to securing Maltese citizenship.
In this comprehensive guide, we’ll walk you through how to obtain Maltese citizenship, the key legal details you need to know, and the main benefits.
What Does Dual Citizenship Mean for U.S. Citizens?
Dual citizenship allows you to hold citizenship in two countries simultaneously—in this case, the United States and Malta. Malta fully permits dual citizenship, making it an attractive choice for Americans seeking enhanced global mobility and EU access while retaining their U.S. passport. The U.S. government neither actively encourages nor prohibits dual citizenship, hence one can retain both the US and Maltese passports at the same time.
Why Choose Maltese Citizenship? The Benefits for Americans
Maltese citizenship isn’t just a second passport—it’s a key to a better-connected, more secure, and enriched life. Here’s why it’s a game-changer for U.S. nationals:
Unmatched Global Mobility
A Maltese passport grants visa-free or visa-on-arrival access to over 190 destinations, including:
- All EU and Schengen Area countries
- The UK, Canada, China, Australia, Japan, and more
This eliminates the hassle of visa applications, streamlining travel for business, leisure, or spontaneous getaways.
Full Access to the EU
As an EU citizen, you can:
- Live, work, or start a business in any of the 27 EU countries, plus Iceland, Norway, Liechtenstein, and Switzerland.
- Study at top European universities at local tuition rates.
A Mediterranean Lifestyle
Malta offers more than just a passport—it’s a vibrant place to live or visit:
- Warm climate, stunning coastlines, and a rich history dating back millennia.
- An English-speaking population (English is an official language), easing the transition for Americans.
- Top-tier healthcare and education, low crime rates, and political stability.
A Welcoming Haven for All
Malta ranks among the world’s most LGBTQ+-friendly nations, consistently topping the ILGA Rainbow Europe Index. It offers:
- Robust anti-discrimination laws and marriage equality.
- A safe, inclusive environment for individuals and families of all backgrounds.
You can read more on Malta as a gay-friendly gateaway here.
How to apply for dual citizenship Malta
There are two main pathways for Americans to secure Maltese citizenship. Each has unique requirements, timelines, and benefits—here’s how they work:
Citizenship by Investment through the Granting of Citizenship for Exceptional Services Regulations
Malta’s citizenship-by-investment program is ideal for high-net-worth individuals contributing to the nation’s growth.
There are three main requirements:
- Financial Contribution:
- €750,000 for citizenship after 12 months of residency, or €600,000 after 36 months.
- An additional €50,000 per dependent (spouse, children, or parents).
- Real Estate:
- Purchase property worth €700,000+ (held for 5 years), or
- Rent a property for €16,000+ annually (held for 5 years).
- Charity Donation: €10,000 to a registered Maltese voluntary organisation.
Citizenship by Descent
For those who can prove that they have two generations of ascendants born in Malta, they might qualify for citizenship through descent.
Is Maltese Citizenship Right for You?
For U.S. nationals, Maltese citizenship opens doors to a world of possibilities—unparalleled mobility, enhanced security, and access to EU opportunities. Whether you’re a global investor, an entrepreneur expanding into Europe, or someone seeking a second home in a dynamic and welcoming country, Malta offers a compelling choice.
Take the Next Step with ACC Advisors (Licence AKM-ACCA)
Navigating the path to dual citizenship requires expert guidance, and that’s where ACC Advisors comes in. With our extensive experience in Maltese immigration law and investment migration, we assist U.S. nationals in securing Maltese citizenship through the most suitable route.
Whether you’re considering citizenship by investment, descent, marriage, or naturalization, our team provides tailored advice and a seamless application process. Contact ACC Advisors (Licence AKM-ACCA) today for a confidential consultation and discover how Maltese citizenship can unlock a world of new opportunities.
Malta, a sun-drenched Mediterranean island, stands out as one of the world’s most progressive and LGBTQ+ friendly nations, attracting individuals and families eager to relocate to a place that embraces diversity. For nearly a decade, Malta has held the top spot on ILGA-Europe’s Rainbow Index, a testament to its robust legal protections, vibrant community, and forward-thinking policies. Whether you’re seeking a new home through the Malta Permanent Residence Programme (MPRP) or aiming for full citizenship via the Citizenship by Exceptional Services through Direct Investment, Malta offers a secure, gay-friendly haven with a high quality of life.
Why Malta is a Sanctuary for All
Malta’s leadership in LGBTQ+ rights is rooted in a series of groundbreaking achievements. Same-sex sexual activity has been legal since 1973, but the nation’s modern journey toward equality accelerated with milestones like the 2014 legalization of civil unions and anti-discrimination protections in employment. In 2015, the Gender Identity, Gender Expression, and Sex Characteristics Act made it possible to update legal gender without medical intervention—a global benchmark for personal freedom. The 2016 ban on conversion therapy, a European first, followed by same-sex marriage in 2017, cemented Malta’s status as a pioneer. Today, it’s one of only five countries worldwide to enshrine LGBTQ+ equality at a constitutional level.
This legal framework is matched by a warm, evolving society. Malta Pride, held annually in September, transforms Valletta into a rainbow-hued celebration, drawing locals and expats alike with its colorful march and festivities.
Malta Permanent Residence Programme (MPRP): Your Key to a New Life
For non-EU nationals seeking a stable base in a nation that celebrates equality, the Malta Permanent Residence Programme (MPRP) offers a straightforward path to permanent residency. This program invites individuals and families—including same-sex couples—to settle in Malta indefinitely through a practical investment process, unlocking a lifestyle rich in opportunity and acceptance.
Key Requirements
- Property Investment: Rent a property for at least €14,000 annually or purchase one for €375,000 or more, held for five years.
- Government Contribution: Pay a one-time fee of €110,000 if renting or €80,000 if buying, plus €10,000 per additional family member.
- Charity Donation: Contribute €2,000 to a registered local charity.
Same-sex couples can apply jointly, submitting a marriage or civil union certificate or proof of a stable relationship, ensuring all families are equally welcomed. Once approved, residents gain access to Malta’s top-rated healthcare system—offering comprehensive services, including specialized care—along with visa-free travel within the Schengen Zone for up to 90 days in a 180-day period, and many more benefits. With no minimum stay requirement, the MPRP suits those craving flexibility while enjoying a safe, low-crime environment where diversity thrives.
Maltese Citizenship by Investment
For those dreaming of full EU citizenship, Malta’s Citizenship for Exceptional Services by Direct Investment Programme provides a prestigious route after a residency period of 12 or 36 months. Holding a Maltese passport—among the world’s most powerful—means visa-free travel to over 190 countries and the freedom to live, work, and study anywhere in the EU.
Key Requirements
- Investment Contribution: €600,000 for a 36-month residency track or €750,000 for a 12-month track, plus €50,000 per dependent.
- Property Commitment: Purchase a property for €700,000 or rent one for €16,000 annually, both held for five years.
- Philanthropic Donation: Donate €10,000 to a registered Maltese charity or NGO.
This program warmly embraces same-sex couples and families, reflecting Malta’s commitment to equality. Beyond global mobility, citizenship offers access to a supportive community, a remittance-based tax system (foreign income not brought to Malta remains untaxed), and the chance to pass citizenship to future generations—all in a nation that values every resident.
A Home Where Everyone Belongs
Malta’s allure extends far beyond its policies. With a Mediterranean climate, stunning coastlines, and UNESCO World Heritage Sites like the Ġgantija Temples, the island pairs natural beauty with a rich cultural tapestry. Neighborhoods like Valletta buzz with LGBTQ+-friendly venues and events, while quieter spots like Rabat offer a blend of history and modern living. Organizations such as the Malta Gay Rights Movement (MGRM) provide support networks, legal advice, and advocacy, ensuring expats feel connected. From the lively nightlife of St. Julian’s to the serene beaches of Gozo, Malta delivers a lifestyle where everyone can flourish.
The island’s strategic location—three hours from London or Paris—adds practical appeal, while its English-speaking population (a legacy of British rule) eases the transition for expats. Whether you’re drawn by the promise of equality, the vibrant Pride celebrations, or the chance to invest in a stable EU economy, Malta offers a rare blend of acceptance and opportunity.
Get in Touch with our Licensed Agents
For those seeking a fresh start in a place that champions equality, Malta stands unmatched. Whether through the MPRP’s permanent residency or the citizenship program’s EU privileges, this island provides a secure, gay-friendly home to shape your future. Contact us to begin your journey today. In Malta, you’re not just welcome—you’re celebrated.
The Malta Permanent Residence Programme (MPRP) is a route to obtain residence for non-EU nationals wishing to reside in Malta or to travel within the Schengen Area without the requirement of a visa. The MPRP is a residence by investment programme which is based on three main requirements, which are: an investment in property, a government contribution and a donation to a Maltese registered charity or NGO. The main benefit of the MPRP is that the programme is a straightforward one with applications processed within 6 to 12 months as long as the applicant satisfies all the eligibility requirements.
Which legislation regulates the MPRP?
The Malta Permanent Residence Programme was launched by means of Legal Notice 121 of 2021 and amended further via Legal Notice 310 of 2024. This legislation lists down the eligibility criteria and requirements for non-EU nationals to obtain residence in Malta through the MPRP.
Is The Malta Permanent Residence Programme open only for non-EU nationals?
The MPRP is only available to Non-EU nationals. Currently the Malta residency agency is not accepting applications from nationals of Afghanistan, Belarus, North Korea, Iran, Democratic Republic of Congo, Russia, Somalia, South Sudan, Sudan, Syria, Yemen and Venezuela.
Will holders of MPRP be allowed to travel visa-free in the Schengen Area?
Beneficiaries of the MPRP may travel Visa-free to Schengen countries, and for a maximum period of 90 days within a 180-day period. The 26 Schengen countries are Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
Do I need to satisfy all the investment requirements under the Malta Permanent Residence Programme?
The applicant must satisfy all the investment requirements and cannot choose only one of them. The applicant must thus: 1) invest in property, 2) pay a government contribution and 3) give a donation to charity or an NGO.
How much is an applicant required to invest in property?
An applicant is only required to invest in property once a letter of approval is issued. This is different from the residence programmes of Portugal and Greece whereby the applicant is not able to submit an application without first purchasing a property.
In Malta, the applicant is required to either rent or purchase a property once the application is approved.
The applicant is required to rent a property for a minimum of €14,000 annually in Malta or Gozo.
If the applicant opts to purchasing a property, he is required to purchase a property for a minimum of €375,000 in Malta or Gozo.
How much is an applicant requited to contribute to the Government of Malta?
The Government contribution depends on whether an applicant decides to purchase or rent a property in Malta.
If the applicant decides to rent a property, the direct contribution and administration fee is of €110,000.
If the applicant decides to purchase a property, the direct contribution and administration fee is of €80,000.
An additional contribution payment of € 10,000 for each dependant also applies.
At what stage is the applicant required to pay the Government Contribution and Administration Fee?
The applicant is only required to pay the €80,000 (purchase) or €110,000 (rent) once the letter of approval is issued. From this only €10,000 is to be paid within one month from the submission of the application.
Is the applicant required to pay additional fee for the spouse and children?
Yes, an additional government contribution payment of €10,000 for each dependant applies.
How much is an applicant required to donate to a charity organisation?
Once the letter of approval is issued, the applicant is required to donate €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic non-governmental organisation or society registered with the Commissioner for Voluntary Organisations, or as otherwise approved by the Agency.
Which family members are eligible to be added in the same application of the Main Applicant?
The main applicant may include in the same application, the spouse, financially dependent and unmarried children (up to 28 years of age) and parents/grandparents of the applicant and/or of the spouse who are also economically dependent on the main applicant.
Would a child of the main applicant be entitled to free education in Malta?
Under the MPRP, a minor is not entitled to free education. However, if the main applicant or spouse acquires a work permit, the children would be entitled to free primary and secondary education in state schools.
Is the permanent residence permit valid for life?
The residence certificate issued under the MPRP is valid for life as long as all the programme obligations are adhered to. The residence card is valid for 5 years and renewed every 5 years.
Can the applicant first rent and then buy a property?
An applicant may opt to rent a property and then replace it with a purchased property. During the first 5 years the applicant is however not allowed to first purchase, and then rent a property.
For how long is the applicant required to keep the property in Malta?
The applicant is required to hold the qualifying rented or purchased property for at least five years during which it cannot be rented out to other persons. After the five-year period, the applicant is still required to have a property rented or purchased in Malta to retain the residence card.
Is the applicant required to proove that he is economically self-sufficient?
The applicant is required to show evidence that he is in possession of €500,000 out of which €150,000 should be in the form of financial assets. Alternatively, the applicant can show a capital in excess of €650,000 out of which €75,000 need to be in financial assets.
These amounts do not change according to the number of persons included in the application.
Liquid assets can be stocks, bonds, funds and bank deposits. Cryptocurrency does not qualify as financial assets.
For how long is the Applicant required to be in compliance with the economic self sufficiency requirement?
Monitoring of beneficiary’s €500,000/650,000in assets, out of which a minimum of €150,000/€75,000 need to be financial assets will be made yearly for the first 5 years.
Is the applicant required to have a Health Insurance Policy?
Under the MPRP, a health insurance policy is required. The health insurance should cover all beneficiaries for a minimum of €30,000 per annum and covering full expenses for Malta.
Is an applicant required to be in Malta to start the application?
The applicant is not required to be in Malta to submit an application, since an application can only be submitted by an Accredited Agent.
How can ACC Immigration Assist?
We are a licenced firm by Agenzija Komunita Malta, accredited to submit permanent residence applications on behalf of applicants. ACC holds licence number AKM-ACCA.
Since Malta launched the Malta Permanent Residence Programme (MPRP) in 2021, a number of non-EU nationals understood the importance to have a permanent residence in a European country which grants the right to reside permanently in a chosen country.
Malta Permanent Residence Programme
The MPRP grants a permanent residence status within a period of 6-12 months from the submission of an application, making the Malta Permanent Residence Programme (MPRP) one of the most efficient residence programmes in Europe. In addition, the MPRP is unique in the sense that it is the only residence programme to grant permanent residence immediately. As a result, once an application under the Malta Permanent Residence Programme (MPRP) has been approved, the applicant and all qualifying family members can reside indefinitely in Malta and travel to the 29 countries forming part of the Schengen Area without a visa.
One of the main benefits of the Malta Permanent Residence Programme (MPRP) is that it allows the main applicant to include five generations in the same application. This family friendly measure is unique to the MPRP since other residence programmes (golden visas) in Europe impose some restrictions on the inclusion parents and grandparents.
Malta Permanent Residence Programme – Investment Options
The Malta Permanent Residence Programme MPRP offers prospective applicants two investment options to choose from. Applicants may either:
- Rent a Property and Pay a Government Fee of €110,000, or
- Purchase a Property and Pay a Government Fee of €80,000
Under both options, once an applicant is approved, a donation of €2,000 to a local charity is required, together with an additional contribution payment of €10,000 for each dependant included in the same application
The MPRP is thus the only European residence by investment programme which allows the applicant to rent a property without having to purchase before applying for residency. In addition, the above investment is only to be done once the application is approved and not at the outset.
Malta Permanent Residence Programme – Addition of Family Members
The MPRP is designed to allow the applicant to include a total of five generations. This includes:
- Main Applicant and the Spouse
- Parents of the Main Applicant and/or of the Spouse
- Grandparents of the Main Applicant and/or of the Spouse
- Children of the Main Applicant and/or of the Spouse (up to the age of 28 years, must be financially dependent on the Main Applicant)
- Future Grandchildren of the Main Applicant and of the Spouse
Malta Permanent Residence Programme – Efficient Process
Once an application is submitted, the government agency will run a four-tier due diligence check on the applicant and the source of funds. A final decision on the application is taken within 6-12 months making this programme the most efficient residence by investment programme in Europe.
Visa Free Travel with the Malta Permanent Residence Programme
Malta is a member of the Schengen Area which is an area made of up 29 countries which abolished borders and allows for the unrestricted movement of people. By obtaining residence under the MPRP, the applicant and qualifying family members are allowed to travel freely within the Schengen Area and stay for 90 days within 180 days.
Right to live permanently in Malta as a Maltese Permanent Resident
The applicant and all qualifying members are given the right to live and settle in Malta for life without any restrictions. There are a number of reasons why applicants relocate to Malta including safety and stability and a pleasant climate with over 300 days of sunshine.
Malta is one of the safest countries to reside in the world. In addition, it is also an English-speaking country making it easy for expats to quickly settle on the island. Crime levels in Malta are exceptionally low in comparison with most EU countries making it the second safest country in the world and first in the EU according to a study carried out by the AfrAsia Bank Global Wealth Migration Review.
Malta Permanent Residence Programme (MPRP) – Full benefits list
The full benefits of obtaining residence under the MPRP can be summarised into the following:
- Malta is a member of the European Union (EU)
- Malta is a member of the Schengen Area
- Malta is a member of the Commonwealth
- Malta has one of the strongest economies in the EU
- Malta is economically and politically stable
- Malta’s official language is English
- Malta has the Euro (€) as its official currency
- Malta has a first-class health and educational system
- Malta enjoys one of the best climates in the world
How can we Assist?
Applications under the MPRP Malta Permanent Residency Programme can only be submitted through a Licenced Agent. Our firm is licenced by the Residency Malta Agency to submit residence by investment applications on behalf of applicants. ACC Immigration holds licence number AKM-ACCA. Get in Touch to learn more about the benefits of the Malta Permanent Residence Programme.
In recent years, Americans have spent more time in Europe, expanding their businesses outside the US, acquiring holiday homes or yachts in the Mediterranean, and opening their children to European colleges and universities, the European job market or European sports clubs. To achieve this, Americans seek to revive their American ancestral roots or explore opportunities for European residency or citizenship by investment routes. Malta ticks all the right boxes as an entry point to Europe and discretely comes out on top.
Reasons why Americans seek European Residency
Americans seek European residency and eventually citizenship for a number of reasons. A second residency in Europe grants an American citizen the right to relocate, live, study, work, invest, do business, and retire in Europe. For children, this is a steppingstone to the European job market, to European schools, colleges and universities, as well as European sports clubs. High net worth Americans may also legally build a base for the management of their non-US assets.
So what is European Residency?
It is important to make a distinction between residency and citizenship. When we refer to European Citizenship, we refer to a passport issued by one of the 27 member states of the European Union. Nationality of any one of the member states in the EU, grants the right to live, work and study in all the EU member states. ‘European Citizenship’ translates into the enjoyment of rights enshrined by the treaties establishing the European Union, including the freedom of movement of persons, goods and capital and the freedom of establishment.
On the other hand, European Residence gives the right to reside indefinitely in the country in which the investor decides to invest in, and also gives the right to travel within the Schengen Area without a visa. Holders of a residence permit issued by a member of the Schengen Area allows its holder the right to also stay in the Schengen Area for 90 days in a six-month period.
Routes to European Residence or Citizenship for American Investors & Entrepreneurs
While some Americans are blessed with European ancestry that may, in some cases entitle them to claim their ancestral European citizenship through descent, eligibility is often limited, the process bureaucratic and this route to European citizenship is often difficult due to burdensome process of sourcing old birth certificates. A more preferred route for investors or business families is to acquire residence or citizenship by investment in a European country that allows a route to naturalisation as a citizen of that country, by investment.
Malta, a Mediterranean island state in the EU enjoying a family-friendly, safe environment and the lowest unemployment rate in Europe, has 2 separate investment migration programmes: Malta Permanent Residence Programme and Malta Citizenship by Direct Investment.
Malta maintains a robust due diligence process to ensure that only fit and proper investor families are offered the privilege of obtaining residency or citizenship.
Malta Permanent Residence Programme
Malta’s residence by investment Programme, formally known as the Malta Permanent Residence Programme grants applicants and eligible family members the right to live indefinitely in Malta and the right to travel within the Schengen Area without a visa. In order to be eligible, applicants must show that they have in their possession, capital of not less than €500,000, out of which €150,000 must be in the form of liquid financial assets such as bank account balance or funds invested in securities. Alternatively, the applicant can show a capital of €650,000 with at least €75,000 in financial assets.
The process from submission until approval takes between 6 and 12 months and the investment is only required to be made, once a letter of approval is issued by the Residency Malta Agency. Applicants are to undergo a due diligence test, after which they will be required to fulfil the qualifying investments which include:
- The rental or purchase of property in Malta or Gozo with a minimum spend of €375,000 (if purchasing) or €14,000 per year (if renting). The property is to be kept for a minimum of 5 years.
- A donation to a charity or a philanthropic organisation of €2,000, and
- A government contribution and administrative fee of €110,000 if renting a property or €80,000 if purchasing a property. An additional contribution of €10,000 applies per dependant.
Malta Citizenship for Investors
Under Malta’s Rules for Naturalisation by Direct Investment, the privilege of naturalising as a Maltese citizen is only extended to an American family upon successfully completing all the eligibility requirements. These include evidence of personal, social, and commercial integration during the 3 or 1-year legal residency period. It is only upon receiving the last approval that the investor must make the one-time non-refundable direct investment (€600,000 – €750,000) to the Government (these funds are managed and deployed in projects of national importance for the social and economic development of Malta).
There are three main requirements to apply for Maltese Citizenship by Investment:
- A contribution of €600,000, or €750,000 to reduce the time-to-citizenship from three to one year. A contribution of €50,000 applies to include additional family members, and
- The purchase or rental of a residential Property in Malta at a minimum value of €700,000 (if purchasing) or €16,000 per year (if renting) for a minimum of 5 years.
- A donation of €10,000 to a local charity/philanthropic organisation
Cyprus, an island member state used to allow investors to naturalise through the purchase of a portfolio of €2.5 million in real estate. Unfortunately, this programme closed in 2020. Cyprus still offers a residence by investment programme, but this only grants the rights to reside in Cyprus. A Cypriot residence card doesn’t allow visa-free access to the Schengen Area since the country is not a signatory to the Schengen Agreement.
Portugal grants a ‘Golden Visa’ that is legally a temporary residency renewable every two years, subject to demonstrating a minimum physical stay of 7 days in the first year and 14 days in subsequent years. For American families who settle in Portugal, demonstrate integration in Portugal and pass the Portuguese language test, this opens the opportunity of applying to Portuguese long-term residence and eventually citizenship. Citizenship is not an automatic right though and is subject to these integration and language requirements which not all American families are able to meet, hence the popularity of the Malta route that is shorter and better defined.
Malta: Legal and Tax Considerations
English is an official language in Malta and also the language of education, business and finance. Malta does not impose any language tests in its investor routes to residence or citizenship. Unlike many other European countries, Malta does not apply worldwide taxation to persons resident in Malta for tax purposes. Malta does not have any wealth taxes, property taxes, inheritance taxes or entry/exit taxes. Business taxation, referred to as corporate income tax is effectively 5% for Maltese companies owned by foreign shareholders despite their new Maltese citizenship.
European Residence & Citizenship Lawyers
Our European immigration lawyers advise on the various immigration routes in Europe. We dedicate personal attention to each client and oversee each immigration case individually. We help our clients assess which European citizenship route best suits their objectives and whether they qualify for relevant laws. As Maltese residence and citizenship agents with extensive experience of Maltese citizenship and investor immigration programmes, we offer a holistic coverage of all immigration and relocation and all relevant tax and legal services.
ACC Immigration Advisors (Malta company registration number C-44042) is duly authorised to act as a licensed Malta citizenship agent and holds licence number AKM-ACCA.
As we begin 2025, Malta’s Permanent Residence Programme (MPRP) continues to attract global attention, offering individuals and families the opportunity to secure long-term residency in one of Europe’s most sought-after destinations. This program, which allows non-EU nationals to establish residence in Malta, combines a high quality of life, access to the European Schengen Area, and a vibrant Mediterranean lifestyle. With its appealing benefits and growing popularity, the MPRP stands as a gateway for those seeking a new chapter in a stable and prosperous European nation. The programme has recently undergone changes as per Legal Notice 310 of 2024.
Malta Permanent Residence 2025
Third-country nationals, excluding those from the EU, EEA, and Switzerland, are eligible to the Malta Permanent Residence Programme 2025. However, individuals from currently sanctioned countries—namely Afghanistan, North Korea, Iran, the Democratic Republic of Congo, Somalia, South Sudan, Sudan, Syria, Yemen, and Venezuela—are ineligible. Additionally, applications from nationals of the Russian Federation and the Republic of Belarus are also not accepted at this time.
How to become a Permanent Residence of Malta?
A Main applicant applying under Malta’s Permanent Residence Programme (MPRP), must possess assets of at least €500,000, of which €150,000 must be in financial assets, OR assets totaling €650,000, with a minimum of €75,000 in financial assets.
Liquid/Financial assets include stocks, bonds, publicly listed/traded shares, funds and bank deposits, excluding cryptocurrency.
Inclusion of Family Members under the Malta Permanent Residence Programme
In the same application, the main applicant may include:
- The spouse or partner in a long and durable relationship
- Unmarried and financially dependent children up to the age of 28
- Financially dependent parents and grandparents of the applicant and of the spouse
What is the investment needed under the Malta Permanent Residence Programme in 2025?
The investor under the MPRP must make three different types of contributions and investment. These are split in: contribution & administrative fees paid to the government of Malta, a donation to charity and an investment into real estate.
Real Estate Investment
The main applicant must purchase or rent a property in Malta, which is to be kept for at least 5 years.
- Minimum Purchase Price: €375,000 for properties in Malta or Gozo.
- Minimum Annual Rent: €14,000 annually for properties in Malta or Gozo
Donation to Charity
The main applicant must make a donation to charity of €2,000
Government Administration Fees and Contributions
The main applicant must pay Government Administration Fees & Contributions as follows:
Main Applicant:
- A non-refundable administration fee of €50,000 is required:
- €15,000 payable within 1 month of application submission,
- Remaining €35,000 due within 2 months of receiving the Letter of Approval in Principle.
- Additional Government Contribution:
- For applicants purchasing property: €30,000
- For applicants renting property: €60,000
This Government Contribution must be paid within 8 months of the Letter of Approval in Principle.
Each Family member
- A fee of €10,000 per dependant, comprising:
- €5,000 as a non-refundable administration fee, payable within 2 months of the Letter of Approval in Principle, and
- €5,000 contribution payable within 8 months of the Letter of Approval in Principle.
What are the benefits of the MPRP?
Many are the benefits of the Malta Permanent Residence Programme, with the key advantages being:
- MPRP holders are granted the right to travel in the Schengen Area without a visa. The visa-free stay in the European Schengen Area is for 90 days out of 180 days.
- MPRP holders receive the right to work and live in Malta indefinitely.
- MPRP holders are not required to live in Malta for a minimum time in order to keep their permanent residence status.
- MPRP status is valid for life.
How to apply for Permanent Residency in Malta?
Under the Malta Permanent Residence Programme Regulations (L.N. 310 of 2024), investors cannot apply for permanent residence independently. Instead, a licensed agent accredited by the Government of Malta ensures the investor complies with all programme requirements. The agent provides comprehensive support throughout the process, from document preparation to the issuance of the permanent residence card.
Dr Priscilla Mifsud Parker is a Licensed Agent under the Malta Permanent Residence Programme (MPRP) regulations with Licence AKM-ACCA.
The Malta Permanent Residence Programme (MPRP) continues to be a popular choice for third-country nationals seeking to reside in Malta.
Following the publication of Legal Notice 310 of 2024 on the 19th of November 2024, the Residency Malta Agency (RMA) has announced a number of significant amendments. These updates address changes to the Malta Permanent Residence Programme (MPRP) submissions starting from the 1st of January 2025.
Key Features of the current MPRP Regulations
- Eligibility Criteria: Applicants must possess capital assets of at least €500,000, with €150,000 in financial assets. They must also lease a property for a minimum of €10,000 per annum in the South of Malta or Gozo, or €12,000 per annum in the North of Malta. Alternatively, they can purchase a property valued at €300,000 in the South of Malta or Gozo, or €350,000 in the North of Malta
- Contribution Requirements: A non-refundable contribution of €68,000 is required when purchasing a property, or €98,000 when renting. Additionally, applicants must donate €2,000 to a Malta-registered NGO or charity organisation as approved by the agency.
- Health Insurance: All applicants and their dependants must have a health insurance plan covering all risks in Malta
- Dependants: The programme allows for the inclusion of the main applicant’s spouse, unmarried and financially dependent children without any age limitations, and parents or grandparents who are wholly maintained by the main applicant
Malta Permanent Residence Programme Proposed Changes for 2025
- Revised Eligibility Criteria: From January 1, 2025, applicants have two options to show that they are economically self sufficient.
Option 1: The main applicant must present evidence of assets valued at not less than €500,000, with a minimum of €150,000 in financial assets, or
Option 2: The main applicant must present evidence of assets valued at not less than €650,000, with a minimum of €75,000 in financial assets
- Dependants’ Age Limit: A child of the main applicant or their spouse is eligible as a dependant as long as they have not yet reached the age of 29, are unmarried, and still financially dependent on the main applicant
- Qualifying Property: The minimum value for qualifying owned property will be €375,000, and the minimum annual rent for qualifying rented property will be of €14,000. This therefore removes the difference between investing in Malta or in Gozo/South of Malta.
- Administration Fees and Contributions:
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- A non-refundable administration fee of €50,000 is to be paid for the main applicant, with €15,000 payable within one month of application submission and the remaining €35,000 within two months of receiving a Letter of Approval in Principle.
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- Dependants’ fees include a €10,000 fee for each dependant, with €5,000 as a non-refundable administration fee payable within two months of receiving a Letter of Approval in Principle, and the remaining €5,000 contribution payable within eight months.
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- A contribution of €30,000 will apply for the main applicant if opting for a qualifying owned property, or €60,000 if renting a property. This shall be payable within eight months of receiving a Letter of Approval in Principle.
Applications Submitted Prior to 2025
Applications submitted under the regulations prior to the publication of Legal Notice No 310 of 2024 will be accepted until December 31, 2024. These applications must include the minimum required documentation, such as Form MPRP 1, Form MPRP 10 for the main applicant and each dependant, Power of Attorney, certified true copies of passports, and a declaration signed by the main applicant
All remaining documentation must be submitted by the 28th of March 2025, or the application will be considered withdrawn.
The MPRP is designed to attract high-net-worth individuals and their families, offering them the opportunity to enjoy the benefits of residing in Malta, including a favorable tax regime and a high quality of life.
Our Malta Permanent Residence Services
At ACC, a licensed Maltese Immigration Firm (Licence No. AKM-ACCA), we specialize in guiding high-net-worth international families and businesses across a range of areas, including residency and citizenship, corporate law, taxation, financial services, fintech, and property. For over 20 years, our dedicated Malta Permanent Residence specialists have successfully assisted hundreds of individuals and families, from expatriate retirees to emigrants seeking new career opportunities. We proudly promote Malta as a prime destination for investment and relocation, reflecting the country’s rich tradition of hospitality and multiculturalism.
Our team provides expert advice on the legal and tax implications of the residence application process, offering tailored guidance to ensure compliance and efficient timelines based on your unique circumstances. We cover the requirements of various residence schemes in Malta and offer practical support for relocation needs, including transportation, insurance, schooling, and healthcare coverage. Let us help make your transition to Malta seamless and rewarding
The sunny Mediterranean island of Malta, with its stunning landscapes and vibrant culture, has become an attractive destination for UK citizens looking to start a new chapter in life. Whether for work, retirement, tax considerations or a better climate, moving to Malta from the UK offers a wealth of opportunities.
Immigrating to Malta from the UK: A Complete Guide
Since Brexit, UK citizens are no longer EU nationals, which means different rules now apply to them when moving to Malta. This article covers the key aspects UK citizens should know about Malta’s visa, residency, and citizenship options.
Why Moving to Malta from the UK?
- Quality of Life: Malta boasts a high standard of living, excellent healthcare and a reputable education system. The island is known for its friendly locals and vibrant expat community, making it easy to adapt.
- Strategic Location: Positioned in the heart of the Mediterranean, Malta serves as a gateway to Europe, North Africa, and the Middle East, enhancing travel and business opportunities.
- Language: English is one of the official languages in Malta, making communication straightforward for UK citizens relocating to Malta.
- Mild Mediterranean Climate: Malta’s warm Mediterranean climate, with long summers and mild winters, is a major draw for those looking to escape the colder UK weather. The island offers a relaxed outdoor lifestyle with numerous beaches, historical sites, and cultural events to enjoy throughout the year.
- Stable Economy and Safe Environment: Malta enjoys a stable economy with a growing financial services and technology sector, making it a good destination for professionals seeking new opportunities. Additionally, Malta is known for its low crime rates, providing a safe and secure environment for families.
- Favourable Tax Regime: Malta’s tax system is highly appealing, particularly for individuals with foreign-sourced income. Non-domiciled residents can benefit from a 15% flat tax rate on foreign income remitted to Malta under the Global Residence Programme, with no tax on income not remitted to the island. This is a significant advantage for retirees, investors, and expatriates with overseas earnings.
Malta Visa Requirements for UK residents and BRP Holders
UK citizens can enter Malta without a visa for short stays of up to 90 days within a 180-day period under the Schengen Zone rules. However, for long-term relocation, applying for a residence permit may be required based on the individual’s circumstances.
Before travelling to Malta one requires:
- Valid Passport: A passport which is valid for at least three months beyond the planned departure date from Malta.
- Travel Insurance: A comprehensive travel insurance policy is highly recommended to cover potential medical emergencies or trip cancellations.
- Return Ticket: Show proof of onward or return travel, as well as accommodation details.
British passport holders
Post-Brexit, UK passport holders no longer have the automatic right to live and work in Malta. If you plan to stay beyond the 90-day visa-free period, you’ll need to apply for the appropriate residency permit.
BRP holders (Biometric Residence Permit)
If you’re a UK resident with a BRP (such as non-UK nationals or third-country nationals living in the UK), you would generally need a visa to enter Malta. The visa requirements depend on your nationality.
Malta Residency Options for UK Citizens
UK citizens have several routes to acquire residency in Malta, depending on their objectives and whether they wish to work, retire, apply for a special tax status, obtain permanent residency or simply enjoy an extended stay on the island. The primary residency options include:
Malta Permanent Residence Programme (MPRP) for UK citizens
UK citizens can apply for permanent residency under the Malta Permanent Residency Programme (MPRP) if they can demonstrate they are in possession of at least €500,000/650,000 in capital, satisfy specific background checks and meet the health insurance requirements. Once approved, applicants are required to buy or rent property in Malta, give a small donation to charity and pay a government fee.
MPRP Requirements for UK citizens – updated with latest 2025 amendments
Buy a property in Malta or Gozo and spend at least €375,000
OR
Rent a property in Malta or Gozo and spend at least €14,000 per annum
AND
Pay a non-refundable contribution of:
- €80,000 if the property is purchase
- €110,000 if the property is rented
An additional contribution payment of €10,000 for each dependant is also due.
AND
Donate at least €2,000 per family to a charity in Malta.
Global Residence Programme (GRP)
The Global Residence Programme is a special tax programme whereby applicants are subject to tax in Malta at a flat rate of 15% on any foreign income remitted to Malta and a flat rate of 35% on any locally generated income. UK nationals applying for the GRP are required to annually declare that they didn’t spend more than 183 days in a calendar year, in any other one jurisdiction.
GRP Requirements for UK citizens
Buy a property in the South of Malta or Gozo and spend at least €220,000 or spend €275,000 in the North/Central Malta.
OR
Rent a property in the South of Malta or Gozo and spend at least €8,750 per annum or €9,600 if the property is chosen in the North/Central Malta.
AND
Pay a non-refundable administrative fee of €6,000
AND
Pay an annual minimum tax of €15,000
Malta Work Permit for UK citizens
If you have a job offer in Malta, you will need to apply for a work permit. Your employer typically assists with this process, which involves applying for a Single Permit that combines both work and residence permits.
Malta Citizenship for UK Citizens
UK citizens looking for a more permanent status may consider obtaining Maltese citizenship. There are three main routes available: citizenship through naturalisation, citizenship by descent and citizenship by investment.
Malta Citizenship by Investment
Applying for Maltese citizenship through the Granting of Citizenship by Direct Investment for Exceptional Services requires a significant contribution to Malta’s economic development, a donation to charity, as well as a property investment or rental. The application process typically takes 12 to 36 months, depending on the level of investment and the applicant’s circumstances. Once citizenship is granted, applicants gain the right to live, work, and travel freely across the EU, as well as visa-free travel to over 190 countries.
Applicants must contribute to the Maltese economy through a combination of financial investments:
Pay a non-refundable government contribution of:
- €600,000 (if applying for citizenship after 36 months of residency)
OR
- €750,000 (if applying for citizenship after 12 months of residency)
Pay an additional non-refundable contribution of €50,000 for each family member included in the same application.
Donate at least €10,000 to a registered philanthropic, cultural, sport, scientific, animal welfare or artistic non-governmental organisation in Malta.
Choose a Qualifying Property to be kept for 5 years. This can be done either by:
- Purchasing a property worth at least €700,000
OR
- Renting a property with a minimum annual rent of €16,000.
Malta Citizenship by Naturalisation
After residing in Malta for five years, UK citizens may apply for Maltese citizenship by naturalisation. This process involves demonstrating strong ties to Malta, including integration into Maltese society. Applicants will need to meet language and residency requirements. Such applications are subject to the discretion of the Minister responsible for citizenship.
Maltese Citizenship by Descent
UK citizens who have Maltese ancestry may be eligible for Maltese citizenship by descent. This route is open to individuals who can prove that they have Maltese parents, grandparents, or even great-grandparents,
Benefits of Maltese Citizenship
Many are the advantages of Maltese Citizenship. You can find a detailed guide on the benefits of Citizenship by Direct Investment in this dedicate article.
- Travel Freedom: Maltese citizens enjoy visa-free travel across the EU and Schengen Area and also benefit from visa-free travel or visa on arrival in more than 190 countries, enhancing global mobility.
- Quality of Life: Malta offers a high standard of living, excellent healthcare, and a warm climate, making it an attractive destination for families and retirees.
- Cultural Richness: The island’s rich history and thriving community provide a unique lifestyle experience, with numerous festivals, culinary delights, and outdoor activities.
Malta offers a range of appealing options for UK citizens looking to relocate, from residency to full citizenship through naturalisation, descent or investment routes. Given the post-Brexit changes, it’s important to review the latest legal requirements and speak to a licensed Maltese Immigration lawyer to ensure the correct steps are taken.
On the 4th October, the Advocate General of the Court of Justice of the European Union (CJEU), Mr Antony Michael Collins, delivered an opinion on the court case which the European Commission brought against Malta in relation to the granting of citizenship by investment (Case C‑181/23). In Malta, it is possible for individuals to apply for citizenship by investment through the Granting of Citizenship for Exceptional Services Regulations.
During the first hearing, Malta confirmed that during the granting of citizenship for exceptional services by direct investment process, a one year or three-year legal residence is required. The European Commission on its end confirmed that its main complaint is based upon the existence of a requirement under European Union Law that there must be a genuine link between the country granting citizenship and the person receiving it, in order to preserve the integrity of EU citizenship. Hence the European Commission is seeking a ruling by the Court that by establishing a citizenship by investment regulations for pre-determined investments mentioned in Maltese law, without a requirement of a genuine link, Malta is failing to fulfil its obligations under Article 20 TFEU and the principle of since cooperation between EU Member States.
European Union Citizenship
EU citizenship is established by Article 20 (1) TFEU. In accordance with this article any individual holding citizenship of a member state shall be also a citizen of the European Union. Article 9 TEU further provides that EU citizenship is additional to and does not replace national citizenship. Declaration number 2 on nationality of member states annexed to the Treaty on European Union, makes it clear that ‘wherever in the Treaty establishing the European Community reference is made to nationals of the Member States, the question whether an individual possesses the nationality of a Member State shall be settled solely by reference to the national law of the Member State concerned’.
Article 9 TEU, Article 20(1) TFEU and Declaration No 2 do not allow institutions of the European Union or Member states, the right to to introduce any conditions for the recognition of the citizenship of another Member State.
The role of the Advocate General
The office of the Advocate General was introduced under the Treaty of Rome. Advocates General are members of the Court of Justice of the EU, and are appointed under the same procedure as judges, however unlike judges they only have an advisory role and do not take part in the decision making process of the Court. The Advocate General assists the court by writing impartial opinions which although not binding are often followed by the CJEU.
Advocate General Opinion
In his opinion, Advocate General Anthony Collins held that in a spirit of mutual respect and trust, European Member States have agreed to abide by the decisions of each other as to whether an individual holds the nationality of a Member State and, therefore, EU citizenship.
It follows that while a Member State, in accordance with its own domestic citizenship laws, may require proof or evidence of a genuine link, there is no definition or requirement of such under European Law. EU law accepts such a requirement under the national law of Member States in the context of withdrawal and revocation of citizenship, provided the principle of proportionality is respected and certain procedural guarantees are afforded to the individual affected.
When it comes to International Law, Advocate Collins held that it is true that in the Nottebohm Judgement, the International Court of Justice confirmed that a country may refuse to recognize nationality granted by another country, in the absence of a genuine link or connection, however such a ruling is limited to allowing States to withhold recognition of nationality granted in the absence of a genuine link between a person and the State of which she or he claims to be a national. It does not oblige countries to require that such a connection exists either between them and their own nationals or between other States and their nationals.
The Nottebohm judgment also confirmed that the requirements for the granting of citizenship are a matter for individual states, hence there is no significant difference between EU and international law on the requirement of a genuine link as neither imposes such a requirement.
It follows that, in the opinion of the Advocate General, the European Commision has failed to prove that in order to lawfully grant citizenship, Article 20 TFEU requires the existence of a ‘genuine link’ between a Member State and an individual other than that which a Member State’s domestic law may require. On this point, it is important to point out that Maltese citizenship rules do require applicants to demonstrate “evidence of personal, commercial, financial ties with the country”, in addition to satisfying the minimum investment criteria of the rules.
Key Takeaway
The opinion of the Advocate General reinforces the notion that citizenship remains the exclusive and sovereign right of each Member State provided it does not undermine or breach EU law. Hence citizenship by investment regulations, such as Malta’s are in accordance with EU law as long as the appropriate safeguards and due diligence processes are in place, in order not to disrupt the principles of trust and cooperation between Member States.
Another important takeaway in the opinion was that while the competence to grant nationality is reserved to the individual Member, the withdrawal of European citizenship is subject to a number of identifiable constraints. Arising from concerns that the revocation of national and hence EU citizenship, may render individuals stateless and deprive them of rights granted under the Treaties and the Charter, EU law guarantees a minimum standard of legal protection to persons who find themselves in such circumstances
What happens next?
Is it important to point out that the Advocate General’s Opinion is not binding on the CJEU but such opinion proposes to the court, a legal independent solution to the case in front of it. The Judges of the Court of Justice will now deliberate on the case and give a final judgement at a later date.