Frequently Asked Questions (FAQ) about Malta in 2025

Ah, Malta! This beautiful Mediterranean gem is known for its stunning coastline, rich history, and vibrant culture. Have you ever had the chance to visit or you are planning to relocate to Malta? Here are some most asked questions about Malta.

Business & Economy

Which business is good in Malta?

Malta has a diverse economy, making it an attractive place for different types of businesses. Some of the most profitable and growing industries in Malta include:

- iGaming & Online Betting – Malta is a leading hub for online gaming companies due to its well-regulated market and favorable tax policies.
- Financial Services & Fintech – Many international banks, insurance firms, and investment companies operate in Malta.
- Tourism & Hospitality – With millions of tourists visiting Malta each year, businesses such as hotels, restaurants, and travel agencies thrive.
- Real Estate & Construction – The demand for housing and commercial properties remains high, making real estate development a strong business option.
- Technology & Startups – The Maltese government offers incentives for tech entrepreneurs, particularly in blockchain, AI, and software development.
- Import & Export Trade – Given Malta’s strategic position in the Mediterranean, logistics and international trade businesses can be highly successful.

Is it easy to start a business in Malta?

Yes, Malta provides a business-friendly environment with simple registration procedures, but it depends on the type of business. The main steps include:

1. Company Registration – A business can be set up within a few days through the Malta Business Registry.
2. Licensing & Permits – Some industries, such as financial services and gaming, require specific licenses.
3. Tax & Social Security – Business owners must register for VAT, tax, and national insurance contributions.
4. Banking & Payments – Opening a business bank account can sometimes be challenging due to strict compliance regulations.
5. Workforce – Hiring employees is straightforward, but finding skilled labor in certain fields (such as IT) can be competitive.

Is Malta a good place to do business?

Yes, Malta is considered a great business destination because of:

- EU Membership – Access to the European single market.
- Attractive Tax System – Companies benefit from tax refunds, reducing the effective corporate tax rate to around 5%.
- Strategic Location – Malta is ideally situated between Europe, North Africa, and the Middle East.
- English-Speaking Workforce – English is one of Malta’s official languages, making communication easy.
However, challenges include high office rental costs, bureaucracy, and competition in certain industries.

Cost of Living & Salaries

How much money do you need to live comfortably in Malta?

The amount depends on lifestyle choices, but on average:

- A single person needs €2,000–€2,500 per month for a comfortable life.
- A family of four typically needs €3,500–€5,000 per month to cover housing, food, education, and entertainment.
- Expensive areas like Sliema, St. Julian’s, and Valletta require a higher budget, whereas Gozo and southern Malta are more affordable.

What is a low salary in Malta?

The minimum wage in Malta (as of recent updates) is around €835 per month for full-time work.
- Salaries under €1,200 per month are generally considered low, making it difficult to afford rent in high-demand areas.
- The average salary in Malta is between €1,300–€1,600 per month, depending on the industry and experience.

Why is Malta so expensive?

Malta’s cost of living is relatively high due to:

- Import Dependency – Most goods, including food and fuel, are imported.
- High Demand for Property – The real estate market has seen rapid price increases.
- Tourism & Expats – The influx of international workers and visitors has driven up prices.
- Limited Public Transport Options – Many people rely on cars, which increases fuel and vehicle-related expenses.

Where is the cheapest place to live in Malta?

Some of the more affordable towns in Malta include:

- Żabbar – Offers lower rental prices and is close to the Three Cities.
- Qormi – A residential area with more reasonable housing costs.
- Birżebbuġa – A coastal town with relatively lower living expenses.
- Gozo – Generally cheaper than Malta, with lower rent and daily expenses.

Which job has the highest demand in Malta?

The most in-demand jobs in Malta include:

- IT & Software Development (especially AI, blockchain, and cybersecurity)
- Finance & Accounting/ (auditors, accountants, tax consultants)
- Healthcare (nurses, caregivers, medical specialists)
- iGaming & Customer Support (multilingual support agents, compliance officers)
- Construction & Engineering (architects, civil engineers, project managers)

What is a very good salary in Malta?

- A salary of €3,500+ per month is considered very good for a comfortable lifestyle.
- High-level executives and specialists earning €5,000+ per month enjoy a luxury lifestyle.

Taxes, Social Security & Employment Benefits

How many days of leave do employees get in Malta?

Employees in Malta are entitled to 26 days of paid annual leave, plus public holidays. Additional leave may be provided based on industry agreements or contracts.

How much is NI (National Insurance) in Malta?

National Insurance (NI) contributions:

- Employees pay around 10% of gross salary.
- Employers also contribute an additional percentage.
- Self-employed individuals pay between €30–€90 per week, depending on earnings.

How much tax do you pay in Malta?

Malta has a progressive tax system based on income brackets:

- 0% tax for earnings up to €9,100.
- 15%–25% tax for mid-range salaries.
- 35% tax for earnings above €60,000.
Non-residents and companies may qualify for specific tax incentives.

What is COLA in Malta?

COLA (Cost of Living Allowance) is an annual wage increase given to employees to adjust for inflation. The government announces the COLA adjustment each year.

Housing & Living Conditions

How much is monthly rent in Malta?

Rental costs depend on the location and type of property:

- 1-bedroom apartment in Sliema/St. Julian’s – €1,000–€1,500/month.
- 1-bedroom apartment in suburban areas – €700–€1,000/month.
- 3-bedroom apartment in a prime area – €1,800–€2,500/month.
- Apartments in Gozo or rural areas – €500–€900/month.

Is Malta a rich or poor country?

Malta is considered a high-income country with a strong economy. It has low unemployment, a growing GDP, and a high quality of life. However, some residents struggle with rising living costs and income inequality.

Is Gozo cheaper than Malta?

Yes, Gozo is generally cheaper in terms of rent, property prices, and day-to-day expenses. However, job opportunities are more limited, and commuting to Malta can be a challenge for some professionals.

If you have any questions or need personalized assistance, feel free to contact us.