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Expat Guide

Expat Guide to Malta

Moving to a new country is exciting but challenging. This comprehensive guide covers everything you need to know about relocating to Malta, from visa requirements to finding your first room.

Malta has become one of Europe's most popular destinations for expats, attracting professionals, remote workers, and students from around the world. The small island nation offers a unique combination of Mediterranean lifestyle, English as an official language, a thriving job market, and a strategic location at the heart of the Mediterranean Sea.

Whether you're coming for work in the booming iGaming sector, to study at the University of Malta, or simply seeking a better quality of life, this guide will help you navigate the practical aspects of your move. From sorting out paperwork to finding accommodation and building a social life, we've compiled everything you need to make your transition to Malta as smooth as possible.

Why Expats Choose Malta

Advantages

  • English is official language - easy communication
  • Mediterranean climate - 300+ sunny days
  • Safe with low crime rates
  • Strong job market in iGaming, finance, tech
  • Gateway to travel around Europe
  • Rich history and culture
  • Tax advantages for certain workers
  • Friendly, welcoming locals

Challenges

  • High rental costs in popular areas
  • Traffic congestion, especially in summer
  • Hot summers can be intense (35°C+)
  • Limited public transport outside main areas
  • Bureaucracy can be slow
  • Island can feel small after time
  • Construction noise is common
  • Some imported goods are expensive

Your Relocation Timeline

Before You Arrive

  • Research visa requirements for your nationality
  • Secure a job offer or proof of income
  • Start searching for accommodation online
  • Gather documents (passport, diplomas, references)
  • Arrange travel insurance for initial period

First Week

  • View rooms and secure accommodation
  • Get a Maltese phone number (SIM card)
  • Register for an e-residence card (if staying 3+ months)
  • Familiarize yourself with your neighbourhood
  • Download the Tallinja app for buses

First Month

  • Open a local bank account
  • Apply for your social security number
  • Register with Identity Malta (if EU) or apply for residence permit (non-EU)
  • Register with a local GP/health centre
  • Set up utilities in your name if needed

Settling In

  • Join expat groups and community events
  • Explore the island on weekends
  • Learn some basic Maltese phrases
  • Find your favourite local spots
  • Consider longer-term housing options

Visa & Residency Options

EU/EEA Citizens

Unlimited

Can live and work freely in Malta. After 3 months, register with Identity Malta for a residence certificate. No work permit needed.

Non-EU with Job Offer

1-3 years

Employer applies for Single Permit (combined work and residence permit). Process takes 4-8 weeks. Valid for duration of employment contract.

Digital Nomads

Up to 3 years

Nomad Residence Permit for remote workers earning €2,700+/month from clients outside Malta. Includes tax benefits.

Students

Duration of studies

Student visa for enrolled students at Maltese institutions. Allows limited part-time work (20 hours/week during term).

Note: Immigration rules change frequently. Always verify current requirements with Identity Malta or the Maltese embassy in your country.

Finding Accommodation

Housing is typically the first and biggest challenge for new expats. Malta's rental market is competitive, especially in popular areas like Sliema and St. Julian's. We recommend starting your search 2-4 weeks before your arrival date and being prepared to view multiple properties.

For most new arrivals, renting a room in a shared apartment is the smartest choice. It's more affordable than getting your own place, allows you to meet people quickly, and gives you flexibility to move once you know Malta better. Expect to pay €400-700 for a private room in central areas, or €250-400 for a shared room.

Many expats arrive in Malta and stay in short-term accommodation (Airbnb, hostel, or hotel) for 1-2 weeks while they view properties in person. This approach lets you see rooms before committing and get a feel for different neighbourhoods. Never pay a deposit for a property you haven't physically visited.

Banking in Malta

Opening a bank account in Malta can take 2-4 weeks due to documentation requirements. Here are your main options:

Bank of Valletta (BOV)

Pros: Largest bank, most ATMs, widely accepted
Cons: Can be slow, traditional approach

Best for: Those wanting a traditional banking experience

HSBC Malta

Pros: International brand, good online banking
Cons: Higher fees, fewer branches

Best for: Those familiar with HSBC from other countries

Revolut/Wise (Digital)

Pros: Instant setup, no paperwork, multi-currency
Cons: No local IBAN initially, some services limited

Best for: Initial banking while setting up local account

Cost of Living Overview

ExpenseTypical Cost
Room rent (central)€400 - €700/month
Utilities (your share)€50 - €100/month
Groceries€200 - €350/month
Eating out (per meal)€10 - €25
Public transport (monthly)€26/month
Mobile phone€10 - €30/month
Internet€25 - €45/month
Gym membership€30 - €60/month

A comfortable budget for a single expat in Malta is around €1,500-2,000/month including rent, or €1,000-1,300 with a shared room.

Getting Around Malta

Public Transport: Malta has an extensive bus network operated by Malta Public Transport. All routes pass through Valletta, making it the central hub. A monthly Tallinja card costs €26 for unlimited travel. Download the Tallinja app for real-time schedules. Buses can be crowded during rush hour and less frequent in the evenings.

Taxis & Ride-sharing: Bolt is the main ride-sharing app in Malta and is generally cheaper than traditional taxis. eCabs is a reliable taxi service with an app. Expect to pay €10-20 for trips within the central area.

Ferries: Regular ferries connect Sliema to Valletta (faster than the bus) and Malta to Gozo. The Sliema-Valletta ferry is a scenic and quick commute option.

Driving: If you plan to stay long-term and live outside central areas, a car can be useful. Traffic is heavy, parking is difficult in popular areas, and Maltese driving can be... adventurous. EU licenses are valid; non-EU licenses need to be converted after one year.

Healthcare

Malta has both public and private healthcare systems. EU citizens can access public healthcare with a European Health Insurance Card (EHIC) or by registering with the local health system once employed. Non-EU residents typically need private health insurance, which is often a requirement for residence permits.

The public healthcare system is free for residents but can involve long waiting times for non-urgent care. Many expats opt for private healthcare for faster access and more English-speaking doctors. Private health insurance costs €50-150/month depending on coverage level and age.

Building Your Social Life

Through Work

Malta's offices are social. After-work drinks and team events are common, especially in iGaming companies.

Language Classes

Join Maltese language classes to meet locals and other expats while learning about the culture.

Expat Groups

Facebook groups like "Expats in Malta" organize regular meetups, sports, and social events.

Explore Together

Join hiking groups, diving clubs, or sailing crews. Malta's outdoor activities are very social.

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