Malta Citizenship by Investment 2025: Costs, Requirements & Benefits Explained

Table of Contents

Malta, a small Mediterranean island nation with a rich history and thriving economy, has become one of the most sought-after destinations for global investors seeking second citizenship. Through the Malta Citizenship by Investment program—officially known as the Maltese Exceptional Investor Naturalisation (MEIN)—qualified applicants can obtain EU citizenship by making significant contributions to the country.

This program is not just about a second passport; it opens doors to visa-free travel across 180+ countries, residence in the European Union, business expansion, tax efficiency, and family security.

In this guide, we’ll cover:

  • The history and evolution of Malta’s Citizenship by Investment program

  • Eligibility requirements and investment options

  • Step-by-step application process

  • Benefits of Maltese citizenship

  • Legal considerations and compliance

  • Comparison with other citizenship by investment (CBI) programs

  • Common FAQs and expert insights

Why Malta? The Strategic Value of Maltese Citizenship

Malta is more than just a holiday destination; it’s a global hub for finance, tech, and trade. Its citizenship program stands out because:

  • EU Membership: Full rights to live, work, and study in any of the 27 EU member states.

  • Visa-Free Travel: Maltese passport holders enjoy access to 180+ countries, including the USA, UK, and Canada.

  • Stable Economy: Malta boasts a strong GDP growth rate and low unemployment, making it attractive for investors.

  • Favorable Tax Regime: Malta operates a remittance-based taxation system with potential for optimization.

  • Safe and High Quality of Life: Excellent healthcare, education, and Mediterranean lifestyle.

Evolution of the Malta Citizenship by Investment Program

The Original IIP (Individual Investor Programme)

Launched in 2014, the IIP was Malta’s flagship citizenship by investment scheme. It gained global attention for being one of the most reputable EU citizenship programs, with strict due diligence and transparent governance.

Transition to MEIN (Maltese Exceptional Investor Naturalisation)

In 2020, the IIP was phased out and replaced with the MEIN, aligning with EU regulations and ensuring higher compliance. The new framework introduced:

  • Longer residence requirements before naturalisation

  • Increased contribution thresholds

  • Stricter vetting procedures

Evolution of the Malta Citizenship by Investment Program

Not every investor qualifies. The program is designed for high-net-worth individuals who meet rigorous standards.

General Requirements:

  • Age: Must be at least 18 years old

  • Good Health: Medical clearance required

  • Clean Criminal Record: No prior convictions or ongoing investigations

  • Due Diligence: Applicants undergo multi-tier background checks

Family Inclusion

Applicants can include:

  • Spouse or long-term partner

  • Dependent children under 29

  • Parents and grandparents over 55, if financially dependent

Investment Options: How Much Does It Cost?

The Malta Citizenship by Investment program requires a combination of contributions, property investment, and donations.

1. Contribution to the National Development and Social Fund (NDSF)

  • €600,000 contribution for a 36-month residence period before citizenship

  • €750,000 contribution for a 12-month residence period

2. Real Estate Investment

  • Minimum €700,000 purchase of property (must be held for at least 5 years)

  • OR a €16,000 annual rental commitment for at least 5 years

3. Philanthropic Donation

  • At least €10,000 donation to a Maltese-registered NGO or approved charity

Total Cost Range

Including dependents, fees, and due diligence, the total investment usually ranges from €1.0M to €1.5M.

Step-by-Step Application Process

Step 1: Initial Consultation & Residency Application

  • Submit application for residency status in Malta.

  • Provide biometric data.

  • Secure accommodation (rent or purchase).

Step 2: Due Diligence & Background Checks

  • Tiered verification through government-approved agencies.

  • Applicants must prove the legitimacy of funds and source of wealth.

Step 3: Contribution & Investment Commitments

  • Make the required contribution to NDSF.

  • Commit to property investment/rental.

  • Donation to charity.

Step 4: Naturalisation

  • After 12 or 36 months of residency, applicants are eligible for citizenship by naturalisation.

Step 5: Passport Issuance

  • Once approved, applicants and their families receive Maltese passports and full EU rights.

Benefits of Maltese Citizenship by Investment

  • Global Mobility – Travel to 180+ countries visa-free.

  • EU Citizenship – Right to reside and work across the EU.

  • Business Opportunities – Malta’s financial services, iGaming, and blockchain industries are booming.

  • Education & Healthcare – Access to world-class universities and hospitals.

  • Security for Family – A stable and safe EU jurisdiction for future generations.

  • Dual Citizenship – Malta allows dual nationality, enabling investors to keep their original citizenship.

Risks and Considerations

  • High Cost: Minimum investment exceeds €1M.

  • Strict Due Diligence: Applicants with unclear funds are rejected.

  • EU Scrutiny: Citizenship programs face ongoing evaluation by the European Union.

  • Residency Requirement: Genuine ties to Malta must be established.

Malta vs. Other Citizenship by Investment Programs

Malta vs. Cyprus

  • Cyprus program was suspended in 2020 due to EU criticism.

  • Malta’s remains active, with stricter compliance.

Malta vs. Caribbean CBI

  • Caribbean passports are cheaper (€100K+), but do not provide EU rights.

  • Malta offers unparalleled EU access and global credibility.

Malta vs. Portugal Golden Visa

  • Portugal’s Golden Visa offers residency, not direct citizenship.

  • Malta provides a faster route to citizenship.

FAQs About Malta Citizenship by Investment

Can I apply directly, or do I need an agent?

Applications must be submitted through an authorized licensed agent approved by the Maltese government.

Between 12–36 months, depending on contribution tier.

No, but genuine ties such as property, donations, and occasional visits are required.

Yes, Malta permits dual and multiple nationalities.

Fees are partially refundable, but contributions may not be. Rejections usually occur due to failed due diligence.

Final Thoughts: Is Malta Citizenship by Investment Worth It?

For investors seeking mobility, security, and EU integration, Malta stands out as one of the most prestigious citizenship programs in the world. While the costs are higher than Caribbean alternatives, the value of an EU passport and rights makes the program attractive for serious global investors.

If you’re ready to take the next step, consult a licensed agent and begin the process of securing your family’s future with Maltese citizenship by investment.

Get Instant Quote for MALTA CITIZENSHIP BY INVESTMENT PROGRAM