With year-round sunshine, English as an official language, and EU membership, it’s easy to see why Malta has become a popular destination for Americans looking for a second passport. The Malta citizenship by investment program is a good pathway to European living while keeping your US citizenship.
What is Malta citizenship by investment?
Malta’s citizenship by investment program lets you become a citizen of Malta by making significant financial contributions to the country. Unlike traditional immigration paths that can take 5-10 years, this program gives you a faster route to a European passport.
The current program, updated in 2020, is officially called the Malta Citizenship by Naturalisation for Exceptional Services by Direct Investment, though most people call it the Maltese Exceptional Investor Naturalisation (MEIN) program.
To obtain Maltese citizenship by investment, you’ll need to:
- Contribute to Malta’s development fund.
- Meet the investment requirements.
- Donate to a registered Maltese charitable organisation.
- Pass thorough background checks.
With your Maltese passport, you have the freedom to live, work, and study anywhere in the European Union. You’ll enjoy visa-free access to more than 190 countries worldwide, and best of all, you can keep your American citizenship, giving you the best of both worlds.
Why Americans Are Moving to Malta in 2025
Looking for a change of scenery without giving up the comforts of home? After the 2024 presidential election, a growing number of Americans are choosing Malta as their new home, and for good reasons.
Mediterranean Lifestyle
Malta has a laid-back Mediterranean pace of life that many Americans find refreshing after the non-stop hustle of US cities. With its mild climate, 300 days of sunshine and relaxed atmosphere, Malta provides a more affordable lifestyle than what you’d find in most parts of America.
English-Speaking Environment
One of Malta’s most significant advantages is that you won’t face a language barrier. English is an official language, with 96% of locals speaking it fluently in both daily conversations and official settings. This makes settling in, handling paperwork, and building new relationships much easier than in other European destinations.
Affordable European Living
Your dollar goes further in Malta. The cost of living is generally 15-58% lower than in the US, with housing, healthcare, and daily expenses all more affordable. A three-bedroom rental apartment in a city centre costs around 53.7% less per month in Malta than comparable properties in major US cities.
Gateway to Europe
A Malta passport grants visa-free travel to 169 countries, the ability to do business across Europe, and access to excellent international education for children. Malta’s excellent transport links mean Rome, Paris, Barcelona, and other European capitals are just a short flight away, so weekend getaways are a regular possibility.
Tax Advantages
Malta has tax benefits that can help dual citizens, but you still need to follow US tax rules. The US taxes all its citizens on worldwide income, even if you live abroad or have a second passport. So while Malta can reduce the tax you pay locally, you’ll still need to report your income to the IRS.
Malta’s Global Residence Programme has a 15% tax rate on foreign income you bring into the country. You must pay at least €15,000 a year, but any foreign income you keep outside Malta isn’t taxed there. If you’re not domiciled in Malta, only local income or money brought into the country is taxed.
If you plan on staying employed with your US-based employer and working remotely from Malta, you can apply for Malta’s Nomad Residence Permit. This gives you a 12-month tax break on income, and after that, a 10% tax rate applies if you still meet the rules.
The US and Malta have a double taxation agreement to help avoid being taxed twice. However, even with dual citizenship, most Americans still need to report everything to the IRS. You may be able to reduce your US tax bill using credits or exclusions.
With the right financial advice, you can set up your taxes in a way that works well in both countries. To stay on track, speak to a tax expert who understands both the US and Maltese systems.
Growing American Community
You won’t be alone in your move. Approximately 28% of the population in Malta are foreign, and there are growing numbers of American expats. The existing expat community makes it easier to find friends who understand the move you’re making.
Step-by-Step: How To Get Maltese Citizenship By Investment
Being granted citizenship through investment is a straightforward but detailed process:
1. Meet the Basic Requirements for Dual Citizenship
Before starting your citizenship application, make sure you qualify for the program. You must:
- Be at least 18 years old.
- Have a clean criminal record.
- Be in good health.
- Have no security concerns that might flag your application.
- Demonstrate the source and legitimacy of your funds.
- Be willing to make the required investments and contributions.
2. Choose Your Citizenship by Investment Programme
Malta offers two main paths to residency and citizenship through investment:
Fast Track (12-Month Residency):
- Contribute €750,000 to the National Development and Social Fund.
- Buy a property worth at least €700,000 or lease a property for a minimum of €16,000 annually (for 5 years).
- Donate €10,000 to a registered Maltese charitable organisation.
Standard Track (36-Month Residency):
- Contribute €600,000 to the National Development and Social Fund.
- Same property and donation requirements as the fast-track option.
3. Hire a Licensed Agent
You cannot apply directly to the Maltese government. You must work with an authorised citizenship agent licensed by the Community Malta Agency. They will:
- Guide you through the application process.
- Collect and verify your documents.
- Submit your application to the Maltese authorities.
- Be your official contact throughout the process.
4. Get Residency & Begin the Residency Period
Once your initial application is approved, you’ll:
- Receive a Malta residence permit.
- Begin your 12 or 36-month residency period.
- Need to make genuine links to Malta during this time. This means spending time in Malta and integrating into daily life to prove you’re not just an ‘on-paper’ resident.
- Have to find residential property in Malta. This can be property for rent, or property for sale.
5. Complete the Due Diligence Process
The Maltese authorities will do extensive background checks, including:
- Verification of your personal and financial information.
- Criminal background checks in all countries you’ve lived in.
- Source of funds verification.
- Review of business history and affiliations.
- Security assessments.
This is one of the most thorough due diligence processes in the citizenship investment industry.
6. Make Your Financial Contributions
After passing due diligence, you’ll need to:
- Make your contribution to the National Development Fund.
- Complete your property purchase or lease agreement.
- Make your charitable donation.
- Pay any outstanding administrative fees.
7. Take the Oath of Allegiance & Apply for Your Maltese Passport
The final steps include:
- Taking the Oath of Allegiance to Malta.
- Receiving your Certificate of Naturalisation.
- Applying for your Maltese passport.
- Registering with local authorities.
Once these steps are complete, you’ll officially be a Maltese citizen with all the rights and privileges that entail, including the freedom to live, work, and travel throughout the European Union.
Alternative Ways to Get Citizenship in Malta
In April 2025, the European Court of Justice ruled against Malta’s citizenship by investment program, which means there is some uncertainty for its future. Malta offers several other pathways to acquire citizenship. Each has different requirements, timeframes, and costs:
Citizenship by Naturalisation
You need to live legally in Malta for at least 5 years, integrate into society, and pass a basic Maltese language test. This requires more time but much less money than the investment program.
Citizenship by Marriage
After 5 years of marriage to a Maltese citizen, you can apply for citizenship if you’ve been living together and have integrated into Maltese society.
Citizenship by Descent
If you have Maltese ancestry (parent or grandparent born in Malta), you may automatically qualify by providing documentation of your lineage.
Stepping Stone Programs
Several residency options, including the Malta Retirement Program and the Digital Nomad Visa, can lead to citizenship over time. These let you build up your residency history while enjoying many of Malta’s benefits.
Living in Malta as a US Expat
As an American relocating to Malta, you’ll find familiar comforts alongside exciting Mediterranean differences.
Daily Life & Culture
Life in Malta runs at a more relaxed pace than in the US. Business hours often include afternoon breaks, and meals are savoured rather than rushed.
With English widely spoken as an official language, the transition is smoother than in many European countries. You’ll have no trouble handling daily interactions, from banking to healthcare appointments, though learning a few Maltese phrases will be appreciated by locals.
Housing Options
Malta has many different types of homes to choose from. In busy Sliema and St. Julian’s, you can get modern apartments right by the sea with great views. Many have pools and gyms you can share with neighbours. Living here puts you close to restaurants, shops, and nightlife.
If you love history, check out Valletta and the Three Cities. Here you’ll find old townhouses for sale with limestone walls and traditional Maltese balconies. These historic homes have been updated with modern features while keeping their old-world charm.
Want more space and quiet? Look at northern areas like Mellieħa, Naxxar, and Madliena. You can find villas and farmhouses for sale with private pools and gardens. These peaceful neighbourhoods feel more suburban but are still close to beaches and stores.
Gozo, Malta’s smaller island, has an even more relaxed lifestyle. The traditional farmhouses here have stone walls, arched doorways, and countryside views. You get more space and privacy than on the main island, perfect for a quiet Mediterranean life.
For premium living, places like Portomaso in St. Julian’s and Tigné Point in Sliema have luxury apartments with top-quality features and security services. These lifestyle properties are in SDA areas that allow foreigners to buy without restrictions, making them popular with international buyers.
Transportation
Malta’s compact size makes getting around easy. The public bus network covers the entire island, and ferry services connect to Gozo. Many expats find they don’t need a car, especially in well-connected areas.
If you do drive, remember that Malta follows the British system (driving on the left side of the road). US driver’s licenses are valid for up to 12 months, after which you’ll need to apply for a Maltese license.
Banking & Finance
Opening a bank account in Malta is straightforward for Americans, though you’ll need your residency documentation. The banking system is modern and secure, with online banking widely available. Many expats maintain both Maltese and US accounts to manage finances across both countries.
Childcare & Education
Malta gives American families great options for kids of all ages. For little ones, you’ll find both private daycare centres and cheaper government childcare across the island. Many international schools also take children from age 3, making it easy to move into their regular school programs.
For older kids, you can choose between free state schools, church schools, and international schools that teach American, British, or International programs in English. Schools like Verdala and QSI are popular with expat families because children can continue learning like they would back home.
College students can attend the University of Malta, which teaches in English and is respected worldwide.
Ready to take the first step to acquiring Malta citizenship?
Your Mediterranean dream is within reach. With Malta’s citizenship options and beautiful properties waiting to be discovered, 2025 is the perfect time to begin your journey.
Once you’ve mapped out your citizenship strategy, let Malta Property help you find your perfect home. Our expert team knows the Maltese islands inside and out, from charming village townhouses to luxury seafront apartments. We can match you with properties that not only meet citizenship requirements but also truly feel like home.
Browse our properties online or contact us, and we’ll get your search started.
This article is intended for informational purposes only and reflects the program details available at the time of writing (May 2025). Given the ECJ’s ruling, the Malta Citizenship by Investment scheme is subject to change. For the most up-to-date information, please consult the official Malta government websites.
