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Relocation Guides

Relocating to Malta

Discover the charm of Malta with our detailed 'Malta at a Glance' relocation guide. From the historic streets of Valletta to the serene landscapes of Gozo, we cover everything you need to know about making Malta your new home. Dive into insights on living costs, healthcare excellence, and the vibrant expat community that awaits. Whether you're an IT professional or seeking the Mediterranean lifestyle, this guide is your first step to a seamless transition.


Welcome to our comprehensive ‘Malta at a Glance’ guide, your essential companion for relocating to the sun-drenched shores of Malta. Whether you’re drawn by the promise of a Mediterranean lifestyle or the opportunities in the booming tech industry, Malta offers a unique blend of historical richness and modern living. This guide will walk you through everything from the cost of living and healthcare to integrating into Malta’s vibrant international community. Let’s embark on this journey together, making your move to Malta not just a change of place, but a transformation of life.

Malta at a Glance

  • Geography: Situated in the central Mediterranean between Sicily and the North African coast, Malta is an archipelago known for its historic sites tied to a succession of rulers including the Romans, Moors, Knights of Saint John, French, and British.
  • Population: A densely populated country with a rich cultural heritage, its capital, Valletta, is one of the smallest national capitals in the European Union by area and population.
  • Language: The official languages are Maltese and English, with Maltese being a unique blend of Sicilian Arabic and Italian, reflecting the country’s complex history.
  • Climate: Malta enjoys a Mediterranean climate with hot, dry summers, mild winters, and a warm autumn and spring.
  • Capital: Valletta, a UNESCO World Heritage site, is renowned for its baroque architecture, history, and cultural events, as well as being a European Capital of Culture.
  • Transport: Malta has a public bus system that traverses the islands. While compact in size, the country also offers ferry services between the main islands, and driving is on the left-hand side, a remnant of British colonial rule.

Moving to the Malta

Living in Malta offers an opportunity to immerse yourself in a nation known for its historical richness, Mediterranean lifestyle, and strategic location. This guide aims to provide an essential overview of relocating to Malta, highlighting its vibrant history, diverse culture, and key living aspects, including the educational system, healthcare, and transportation. For non-EU nationals, navigating the visa and work permit process involves understanding Malta’s immigration rules, with EU nationals enjoying freedom of movement.

Cost of Living

Malta offers a variety of living experiences, from bustling tourist hotspots to quiet, traditional villages, which can affect the cost of living. Whether you choose to reside in the busy streets of Sliema and St. Julian’s or the more serene Gozitan countryside, the cost of living can vary significantly:

  • Housing: Malta’s housing market is quite diverse. Renting a one-bedroom apartment in central areas like Sliema may range from €700 to €1,200 per month, with prices decreasing in less central locations.
  • Utilities: For a standard apartment, monthly utilities including electricity, water, and internet service can range from €60 to €150, depending on usage.
  • Groceries: The cost of groceries in Malta can vary based on dietary preferences and where you shop. Local markets offer fresh produce at reasonable prices, while international supermarket chains are also available.
  • Transportation: Public transport in Malta consists mainly of a bus system that covers the main islands. While Malta is small, having a car can be convenient for exploring more remote areas or for comprehensive travel needs.

For those considering a move to Malta, it’s beneficial to use cost of living calculators and engage in expat forums for a more personalised estimate. Websites like Numbeo can provide detailed cost comparisons between Malta and other countries, offering a tailored perspective on what to expect financially when relocating to Malta.

Healthcare

Malta is praised for its high-quality healthcare system, which provides residents with a range of medical services. Here’s an overview of what you need to know about the healthcare system in Malta:

Healthcare Overview

  • Public Healthcare: Malta offers a comprehensive public healthcare system with services provided in public hospitals and clinics at no direct cost to residents, funded through taxation and national insurance contributions.
  • Private Healthcare: There is also a thriving private healthcare sector in Malta, where services can be accessed directly by paying out of pocket or through private health insurance policies.

Accessing Healthcare Services

  • Registration: Upon moving to Malta, you should register with the local health centre in your catchment area to access public healthcare services.

Health Insurance:

  • Public Healthcare Coverage: Malta provides a universal healthcare system to all residents, including expatriates who contribute to the social security system. This entitles them to free services at public hospitals and clinics.
  • Private Health Insurance: Many residents choose private health insurance for broader coverage and faster access to specialists. Private insurance can complement the public system, covering services that might not be available or have long wait times in the public system. It also provides the flexibility of choosing private facilities, both in Malta and abroad.

Dental and Optical Care

  • Public Healthcare Services: In Malta, dental and optical care are available through the public healthcare system. Some treatments and check-ups are provided free of charge or at a subsidized rate for eligible persons, including preventive services for children and emergency care.
  • Private Healthcare Options: There is also a selection of private dental and optical services across Malta. These services offer more immediate appointments and a broader range of elective treatments, which may not be fully covered by the public healthcare system.

Prescriptions

  • Charges: Prescription medicines in Malta are usually subsidised, and certain groups such as the elderly or those with chronic conditions may be eligible for free medications.

Healthcare for Dependents

  • Family Coverage: Dependents and family members are also covered under Malta’s public healthcare system, ensuring comprehensive care for all residents.

For detailed information about healthcare in Malta, including eligibility and services, visit Malta’s Health Department website here. Understanding the local healthcare system is crucial for ensuring your health needs are met while living in Malta.

Building a Social Network

Adapting to life in Malta is about more than just professional shifts; it’s also about creating a fulfilling social life. Malta’s welcoming atmosphere offers plenty of opportunities to connect with people from diverse backgrounds and interests.

  • Expatriate and Professional Communities: Malta has an active expatriate community with numerous groups and organisations tailored to various nationalities and professional interests, including IT and Dynamics 365. Joining these groups can offer solid support and friendship opportunities.
  • IT and Dynamics 365 Networks: For Dynamics 365 and IT professionals, participating in industry-specific networks is highly beneficial. Engage in local meetups, workshops, and conferences focusing on Dynamics 365, Power Platform, and other tech areas. These interactions are valuable for professional development and social engagement.
  • Cultural and Leisure Activities: Dive into Malta’s cultural life by attending local events, language exchanges, or joining sports clubs and other leisure groups. Malta’s event calendar is brimming with activities from local meetups to island-wide festivals, offering rich opportunities to connect and enhance your social life.

Schooling

Malta offers a range of educational choices, featuring state schools, church schools, and private institutions to accommodate its diverse populace. State schools provide free education and follow the National Curriculum, which includes bilingual instruction in both Maltese and English. Many expatriate families choose private or international schools in Malta for a curriculum consistent with their home countries, often in English, ensuring a seamless integration into the local education system.

  1. Public Schools: Provide bilingual education in Maltese and English following the National Minimum Curriculum.
  2. Church Schools: Church schools in Malta, often associated with the Catholic Church, offer education with a religious focus, following the national curriculum with no tuition fees.
  3. Private & International Schools: Deliver diverse curricula, including IB and British systems, typically funded by tuition fees.

More Information

For more information on the education system in Malta visit their government website here.

Working in Malta

Malta’s job market is thriving, offering diverse opportunities particularly in sectors like gaming, financial services, tourism, and technology. Professionals skilled in IT domains such as iGaming software development and financial technology are in demand as the island embraces digital innovation and fintech growth.

Key Considerations

  • Work Permits: Malta is part of the EU; thus, EU nationals can work without a permit. Non-EU nationals need a work permit, typically obtained through sponsorship from a Maltese employer and a job contract.
  • Taxes: Malta offers a favourable tax system, with specific programs for expatriates and lower income tax rates for certain qualifying professionals, enhancing its appeal as a work destination.
  • Networking: Integrating into Malta’s professional network can be done through industry events and local tech meetups, with organisations such as the Malta Chamber of Commerce being central to business networking on the island.

Government-Mandated Bonuses and Financial Incentives

Bonus Type Description Eligibility Typical Amount
Performance Bonus Discretionary bonuses based on individual or company performance. Employees, at employer’s discretion Varies, often a percentage of the annual salary
End-of-Year Bonus Customary but not legally mandated; often equivalent to a 13th salary. Employees, at employer’s discretion Equivalent to one month’s salary
Public Holiday Bonus Legal entitlement to additional pay on national public holidays. Employees working on public holidays Time and a half or double pay, or a day off in lieu
Profit-Sharing Bonus Distribution of profits to employees in some companies. Employees, often based on company policy Varies, dependent on company profits

Language

Navigating Malta’s multilingual environment is a unique aspect for IT professionals working with Dynamics 365. English is predominantly used in the tech industry, facilitating communication within international teams and with clients globally. For those in Dynamics 365, the ability to communicate effectively in English is key to professional success and integration.

  • Language Skills: Mastery of English is vital in Malta’s IT sector, particularly for Dynamics 365 professionals. Enhancing English language proficiency can significantly improve workplace communication, client relations, and access to global resources and support systems within the Dynamics 365 community.
  • Cultural Integration: Understanding Maltese cultural norms, which include a mix of local and international influences, can lead to more fruitful interactions and collaborations. While Maltese is the national language, its use in the IT sector is less prevalent, but learning it can demonstrate a commitment to embracing the local culture.
  • Language Learning: Dynamics 365 professionals looking to improve their language skills can find a variety of courses and workshops offered in Malta. These range from formal classes to casual language exchange meetups, providing opportunities to practice English or Maltese while networking with other professionals.

Banking

Malta, recognised for its robust financial sector, provides an array of banking options for both residents and expatriates. For IT professionals moving to Malta, establishing a local bank account is essential for day-to-day financial transactions, such as receiving salary and managing personal funds.

  • Choosing a Bank: Search for banks that offer expatriate-friendly services, including online banking in English, international transfers, and accounts with beneficial terms for foreigners. Banks in Malta commonly provide such tailored services.
  • Account Opening Requirements: To open a bank account, you will generally need a form of ID like a passport, proof of address in Malta, employment verification or a job contract, and occasionally a reference from a previous bank. Some banks may offer the option to initiate the account opening process online.
  • Digital Banking: Malta’s banking sector has embraced digital innovation, offering platforms that align with the dynamic lifestyles of IT professionals. These platforms facilitate efficient and adaptable banking operations, suitable for professionals who prioritise convenience and accessibility.

Taxes

Malta’s tax system offers advantages that can be particularly appealing to IT professionals, affecting income, savings, and investment opportunities. It’s important for IT professionals to understand the following key points about Malta’s tax framework:

  1. Income Tax: Income in Malta is subject to a progressive tax rate, which varies depending on the level of income. Malta’s tax rates for individuals are competitive, with specific tax programs for expatriates.
  2. National Insurance: Contributions to the social security system in Malta are mandatory for employed individuals, which fund entitlements like pensions, healthcare, and other social benefits.
  3. Tax Benefits: Malta provides various tax benefits, including personal allowances and deductions for particular types of investments. Special tax status can lead to reduced rates.
  4. Tax Credits: The Maltese government offers tax credits for certain activities, such as childcare and property refurbishment, aimed at reducing the overall tax liability.

Visa Requirements

Moving to Malta as an IT professional involves understanding the visa and work permit processes, which are straightforward due to Malta being an EU member state:

  • EU/EEA Nationals: As part of the EU, nationals from EU/EEA countries can live and work in Malta without the need for a visa, enjoying the right to freedom of movement within the Union.
  • Non-EU/EEA Nationals: Generally require a visa for entry into the UK. The Skilled Worker visa is commonly needed for IT professionals with a job offer from a UK employer.
  • Commonwealth Citizens: Some Commonwealth citizens may be eligible for visa exemptions or have access to simplified visa processes, especially if they have Maltese heritage or other strong ties to Malta.
  • All Other Nationals: Individuals from other countries will need to follow Malta’s visa application process, which may require a job offer from a Maltese employer and, depending on the duration of stay, a long-term visa or permit.

All individuals should check the latest guidelines on the Maltese government’s official website to understand their specific visa requirements and application processes.

Transport

Malta’s transportation network, while not as extensive as larger countries, is well-suited to the island’s size and provides effective connectivity across the main islands. For professionals in Malta, here are the key transport modes:

  • Public Transport: Malta offers a network of public buses that serve the entirety of the main island and Gozo, providing a convenient option for daily commutes. Services are frequent and cover most tourist and residential areas.
  • Biking and Walking: With its compact cities and favourable climate, biking and walking are popular in Malta. Some areas, particularly in Valletta and other pedestrianised zones, are well-suited for cyclists and pedestrians alike.
  • Car Ownership: Due to the small size of the islands, having a car in Malta can be advantageous for exploring more remote locations or when public transport schedules are limited. Car hires and ride-sharing are also common options for flexibility in travel.

In Closing

As you reach the end of our ‘Malta at a Glance’ guide, remember that relocating to Malta is more than just a logistical move—it’s stepping into a lifestyle embraced by the warmth of the Mediterranean sun and rich cultural heritage. If you’re ready to make Malta your new home, or if you have more questions, we’re here to help. Reach out to us for personalized assistance and let us smooth the path to your new life in Malta. Embark on your Maltese adventure with confidence, supported by our expertise every step of the way. Contact us today to begin your journey to Malta, where history, culture, and innovation meet.