Electronic Money Institution Licence in Malta
EU passporting, English-speaking, competitive costs. MFSA regulated. Capital from €350k. Typical timeline 4 to 8 months.
Speak to a licensing expert
Tell us the business, the markets and your timing. Every enquiry is answered the same business day, with a written proposal: the licence, the requirements, the cost and the timeline.
Your enquiry
Why Malta for Your Electronic Money Institution Licence?
Malta combines EU access with competitive costs, English language, and a regulator experienced in fintech.
Malta provides EMI licensing through the MFSA with full EU passporting rights and a practical, engagement-focused regulatory approach.
Licence requirements
Detailed requirements
€350,000 initial capital. Local substance required. Standard EU AML/governance requirements.
Application process
Regulatory Strategy
We assess your business model and regulatory position to develop a clear licensing strategy.
Business Plan
We prepare a comprehensive business plan meeting the regulator's expectations.
Programme of Operations
Detailed programme of operations covering governance, compliance, and operational arrangements.
Compliance Framework
Full AML/CFT framework, compliance monitoring programme, and risk management policies.
Application Submission
We compile and submit the complete application package to the regulator.
Regulator Review
We manage all regulator communications and information requests during the review period.
Authorisation
Upon approval, we support your transition to live operations.
Process detail
4 to 8 months typical timeline. The MFSA provides constructive engagement throughout.
Malta vs United Kingdom
| Criteria | Malta | United Kingdom |
|---|---|---|
| Capital | €350k | £350k |
| Timeline | 4 to 8 months | 6 to 12 months |
| Regulator | MFSA | FCA |
| Key Feature | EU passporting, English-speaking, competitive costs | Full EMI or Small EMI available, UK market access |
Related services
Licensing & Authorisation
Full-service licensing advisory from strategy to authorisation.
Compliance Support
Ongoing compliance frameworks tailored to your regulatory obligations.
Financial Crime
AML, KYC and financial crime prevention programmes.
Ready to get started?
Every enquiry is answered the same business day, with a written proposal.
Speak to a licensing expertFrequently asked questions
The capital requirement for a electronic money institution licence in Malta is €350k. €350,000 initial capital. Local substance required. Standard EU AML/governance requirements.
The typical timeline for a electronic money institution licence in Malta is 4 to 8 months. 4 to 8 months typical timeline. The MFSA provides constructive engagement throughout.
Malta combines EU access with competitive costs, English language, and a regulator experienced in fintech.
After receiving your electronic money institution licence in Malta, you must maintain ongoing compliance with regulatory requirements including safeguarding of customer funds, regular regulatory reporting, maintaining adequate capital, updating AML and compliance frameworks, and cooperating with supervisory reviews and inspections.
Most jurisdictions require local substance for a electronic money institution licence. In Malta, you will typically need a registered office, at least one locally resident director, and potentially additional operational staff. We can advise on the exact requirements and help you establish the minimum viable local presence.
A electronic money institution licence in Malta provides access to the domestic market. EU passporting, English-speaking, competitive costs. Separate authorisation may be required for other jurisdictions.