Did you know that Malta is ranked as the world's 5th most powerful passport?¹

Welcome to our comprehensive guide to Malta’s citizenship by investment program, where we provide in-depth and reliable information to help you make informed decisions for your future. 

As a trusted source in the industry, we at WorldPassports have meticulously researched and compiled the essential details you need to understand the benefits, limitations, eligibility requirements, and application process for this life-changing opportunity. 

Are you ready to embark on your journey towards securing a future for your family and accessing the European Union with ease? 

Read on to find out more…

*Disclaimer: All amounts mentioned in this article were correct at the time of publication and might have shifted since.

How Do Citizenship by Investment Programs Work?

Citizenship by Investment programmes offer a pathway to acquiring nationality through financial contributions to the host country.

What is Citizenship By Investment?

Citizenship Investment, also known as Citizenship by Investment (CBI), is a legal process allowing individuals to acquire citizenship and a second passport by making a financial contribution to a country's economy.

This often involves investing in government-approved projects like real estate development, infrastructure, or a national development fund.

The objective is to attract foreign investment while providing investors with the benefits of citizenship, including visa-free travel, expanded business opportunities, and potential residency rights.

What is Turkey Citizenship by Investment?

Malta Citizenship by Investment refers to the specific Citizenship by Investment program offered by the European island nation of Malta.

Under this program, individuals can obtain Maltese citizenship by making a qualifying investment, such as contributing to a designated national development fund or investing in approved projects, including real estate.

Malta's CBI program aims to attract high-net-worth individuals, stimulate economic development, and enhance the country's global standing.

Prospective participants should carefully review program requirements, investment options, and associated benefits before considering Malta Citizenship by Investment.

What Challenges and Considerations Are Associated With Citizenship by Investment in Malta?

Citizenship by Investment in Malta presents unique challenges, including rigorous due diligence and significant financial requirements.

What Are the Benefits of Citizenship by Investment in Malta?

Malta's citizenship by investment (CBI) program is a golden opportunity for those seeking to secure a brighter future. 

Some of the key benefits include:

• Excellent investment opportunities within a robust and thriving economy
• Visa-free access to the European Union and over 180 countries worldwide
• High quality of life, including stunning Mediterranean landscapes and a safe environment
• Diversification of your portfolio and potential for substantial returns

With these incredible advantages, it's no wonder that Malta's CBI program is an attractive option for high-net-worth individuals and their families.

What Are the Limitations of Citizenship by Investment in Malta?

While the benefits are enticing, it's essential to consider the limitations associated with Malta's citizenship by investment program as well. 

Some of the key limitations include:

• Substantial required investment amounts and associated fees
• Stringent eligibility requirements and thorough background checks
• The need for professional advice on potential tax implications in your home country

Despite these challenges, with the right guidance and preparation, obtaining Maltese citizenship through investment can be a life-changing decision that opens up a world of opportunities.

Which Investment Types Qualify for Malta Citizenship by Investment?

When considering Malta's citizenship by investment program, it's essential to understand the different investment options available to qualify for citizenship. 

In this section, we'll provide an overview of each investment option, including their requirements, investment amounts, and other relevant information to help you make well-informed financial decisions.

See below:

How Does Donation to the Community Malta Agency Benefit Citizenship by Investment?

The Community Malta Agency is a government-established organization that supports various social and economic initiatives in Malta. 

As part of the CBI program, regardless of your investment route, you’ll be required to make a non-refundable donation to this organization.  

The minimum donation amount is €10,000.²

Please note 

The donation amount may vary depending on the number of family dependents you include in your application.

How Do Real Estate Investments or Rental Agreements Qualify You for Malta Citizenship by Investment?

To qualify for Maltese citizenship by real estate investment, you must either purchase or lease a residential property in Malta. 

If you opt to purchase a property, the minimum investment amount is €700,000.

Alternatively

You can choose to lease a property with a minimum annual rent of €16,000.

Whichever option you select, the property must be maintained for at least 5 years from the date of issuance of your certificate of naturalization.

What Role Does the National Development & Social Fund Play in Malta Citizenship by Investment?

One investment route involves a donation to the National Development and Social Fund.

An amount of €600,000 is required to acquire permanent residency within 36 months.

For an expedited route to residency (12 months), a donation of €750,000 is required.

This contribution is non-refundable.

Note: An additional amount of €50,000 is required for each additional dependent.

What Are the Eligibility Requirements for Citizenship by Investment in Malta?

To successfully apply for Malta's citizenship by investment program, it’s crucial to understand and meet the eligibility requirements. 

Let our team of experts guide you through the specifics of each criterion, explaining how it affects your application process.

Here's what you should know:

What Is the Minimum Investment for Citizenship in Malta?

As a prospective investor, you must commit to a minimum investment amount to qualify for Malta's CBI program. 

As explained above, this includes either a financial contribution of €600,000 to the National Development and Social Fund or purchasing a property valued at a minimum of €700,000 (as well as the

As explained above, this includes either a financial contribution of €600,000 to the National Development and Social Fund or purchasing a property valued at a minimum of €700,000 (as well as the €10,000 donation to the Community Malta Agency).

Meeting these requirements demonstrates your commitment to Malta's economic growth and social development.

What Are the Minimum Residency Requirements for Malta Citizenship by Investment?

As a prospective investor, you’ll be required to maintain residency status in Malta in order to be eligible for its CBI program. 

Residents who’ve resided in Malta for 12 months will be required to invest a minimum of €750,000. 

Residents who’ve resided in Malta for 36 months will be required to invest a minimum of €600,000. 

By meeting these requirements, you’ll be demonstrating your commitment to becoming a citizen of Malta.

How Important Are Character Assessments in Malta’s Citizenship by Investment Process?

Your character plays a significant role in determining your eligibility for Malta's CBI program. 

You'll undergo thorough background checks and due diligence processes to ensure that you have a clean criminal record and are financially stable. 

These assessments are designed to maintain the integrity of the program and protect Malta's reputation.

What Are the Family Eligibility Criteria for Malta Citizenship by Investment?

Malta's citizenship by investment program extends its benefits to your immediate family members, including your spouse, children, and dependent parents or grandparents. 

Including your family in the application process enables them to share in the privileges of Maltese citizenship, such as visa-free travel, education, and healthcare.

However

It should be noted that additional fees may apply according to the family dependents you include on your application. 

Which Nationalities Are Restricted From Applying for Malta Citizenship by Investment?

While Malta's CBI program is open to most nationalities, certain countries have restrictions on applying due to international sanctions or other concerns. 

The specific countries restricted from applying include: 

• Afghanistan
• DR Congo
• Iran
• North Korea
• Russia
• Libya 

Therefore, it's essential to verify your eligibility based on your nationality before starting the application process.

What Is the Application Process for Malta Citizenship by Investment?

Applying for Malta's citizenship by investment program can be a rewarding experience, providing you and your family with numerous benefits, including visa-free travel and access to quality education and healthcare.

See our step-by-step guide below.

Step 1: Why Should You Consult a Professional Advisor for Malta Citizenship by Investment?

Before starting the application process, consult with a professional advisor or an accredited agent experienced in Malta's CBI program. 

They'll provide guidance on your eligibility, required documents, and investments. 

The cost of professional advice will vary depending on the provider but may range from $5,000 to $10,000 or more.

Step 2: What Documents Must You Prepare for Malta Citizenship by Investment?

Collect all required documentation as outlined in the section below. 

Ensure that all documents are translated into English, if necessary, and certified by an authorized translator or notary public. 

The costs associated with translations and certifications will vary depending on the provider and location but may range from a few hundred to several thousand dollars.

Step 3: How Do You Complete the Application Form for Malta Citizenship by Investment?

Fill out the official application form accurately and honestly, providing detailed information about yourself and your family members. 

There’s typically an application fee associated with the submission of the application form, which may be around $1,000 to $2,000.

Step 4: Why Is Health Insurance Required for Malta Citizenship by Investment?

Secure comprehensive health insurance that covers you and your dependents in Malta as per the program’s requirements. 

The cost of your health insurance coverage will vary depending on the provider and policy chosen, but typically ranges from a few hundred to several thousand US dollars per year.

Step 5: What Involves the 4-Tier Due Diligence Process for Malta Citizenship by Investment?

The Maltese government conducts a thorough 4-tier due diligence process, including background checks, verification of documents, and assessments of your application. 

Due diligence fees vary based on the applicant's age and the number of dependents, but may range from $7,000 to $15,000 or more.

Step 6: How to Fulfill the Investment and Residency Requirements for Malta Citizenship?

According to the program's requirements, make an investment in (or lease) a property that qualifies or make a donation to an organization that has received government approval. 

To qualify for Malta's CBI program, you’ll be required to meet the minimum investment amount or real estate conditions. 

As mentioned above, residential property investors can purchase a property with a minimum value of €700,000 to qualify for the citizenship program. 

Remember

Your real estate investment must be maintained for at least 5 years to qualify for Malta’s citizenship program. 

Step 7: How Do You Submit Your Application for Malta Citizenship by Investment?

Once all documents are prepared, investments are made, and fees are paid, submit your application through your professional advisor or accredited agent. 

They’ll review your application for accuracy and completeness before submitting it to the Maltese authorities for processing.

Step 8: What Happens While Awaiting Approval for Malta Citizenship by Investment?

The Maltese government will then conduct thorough background checks and assessments on your application. 

The processing time can vary, but it typically takes several months. 

Your professional advisor or accredited agent will keep you informed about the progress of your application.

Step 9: Why Must You Swear an Oath of Allegiance for Malta Citizenship?

Upon approval of your application, you and your dependents will be required to travel to Malta to swear an oath of allegiance.

After taking the oath, and confirming your commitment to the country and its laws, you’ll be granted Maltese citizenship.

Step 10: When Do You Receive Your Certificate of Naturalization and Maltese Passport?

Following the oath of allegiance, you’ll receive a certificate of naturalization, granting you Maltese citizenship. 

You can then apply for a Maltese passport, which provides visa-free travel to numerous countries worldwide.

By following these steps and working closely with a professional advisor, you can successfully navigate Malta's citizenship by investment program and enjoy the many benefits of Maltese citizenship.

What Documentation Is Required for Malta Citizenship by Investment?

When applying for Malta's citizenship by investment program, it's crucial to prepare and submit all required documentation accurately and promptly.

In this section, our team of experts will walk you through each document's purpose and specific requirements to help ensure a smooth application process.

Read on.

What Details Are Needed in the Malta Citizenship Application Form?

The form serves as your official request for Maltese citizenship. 

Complete all sections accurately and honestly, providing detailed information about yourself and your family members. 

We highly recommend double-checking all information before submitting, as errors may lead to delays or rejection. 

What Identity Documents Are Necessary for Malta Citizenship Application?

Submit copies of your passport, national ID card, and/or driver's license to verify your identity and nationality.

We recommend that you ensure that these documents are valid and haven’t expired. 

It's also a good idea to have multiple copies of these documents on hand, as they might be requested throughout the process. 

Why Is Proof of Residential Address Required for Malta Citizenship Application?

Provide utility bills, bank statements, or other official documents that confirm your current residential address. 

These documents should be recent and clearly display your name and address.

Why Are Police Clearance Certificates Necessary for Malta Citizenship Application?

Clean criminal record certificates for all applicants aged 12 years and older are required to be submitted too.

These must be issued by your country of origin and any other countries where the applicants have resided for more than 6 months in the past 10 years.

What Are the Medical Certificates Required for Malta Citizenship Application?

You and your dependents must undergo a medical examination and submit certificates proving you're in good health and free from any contagious diseases. 

The cost of the medical examination will vary depending on your location and healthcare provider. 

Our experts recommend choosing a reputable medical professional to ensure accurate results.

Why Must You Provide Proof of Source of Funds for Malta Citizenship Investment?

Present bank statements, tax returns, or other financial records to demonstrate the legal origin and availability of funds for investment. 

This is essential for ensuring compliance with anti-money laundering regulations. 

Be prepared to provide additional documentation if requested to further verify your source of funds.

Why Is a Comprehensive CV Required for Malta Citizenship Application?

Submit an up-to-date CV outlining your education, work experience, and professional accomplishments. 

This will help the Maltese government assess your background and potential contributions to the country. 

Make sure your CV is well organized and highlights your most relevant skills and experiences.

What Employment or Business Documents Are Needed for Malta Citizenship Application?

Provide documents such as employment contracts, business registration certificates, or tax returns to support your income claims and demonstrate your economic activity. 

These documents should be recent and accurately reflect your current professional status.

What Type of Health Insurance Is Required for Malta Citizenship Application?

A requirement of Malta’s CBI program is to obtain comprehensive health insurance that covers you and your dependents. 

The cost of coverage will vary depending on the provider and policy chosen. 

It's important to ensure that your insurance policy meets the program's requirements and provides adequate coverage for all family members.

How Does a Property Purchase or Rental Agreement Support Malta Citizenship Application?

If you’re investing in property for citizenship, you must submit a signed agreement for the purchase or lease of a qualifying property in Malta. 

It's essential to work with a reputable real estate agent or consultant to ensure that your chosen property will meet the program's requirements.

How Do You Confirm Your Investment for Malta Citizenship?

Provide proof of your investment, stating that you’ve met the minimum investment requirement. 

We recommend making your investment through authorized financial institutions in order to ensure you’re compliant with the program's regulations.

What Costs Are Involved in Citizenship by Investment in Malta?

As you explore the opportunity to obtain Maltese citizenship through its citizenship by investment program, it's essential to understand the various costs associated with the process. 

In this section, we'll provide a comprehensive overview of the major expenses you’ll encounter during your application. 

By being aware of these costs, you can better prepare financially and ensure a smooth application process.

Take a look:

What Is the Typical Investment Amount for Malta Citizenship by Investment?

The investment amount is the major component of Malta's CBI program. 

This includes the mandatory donation to Malta’s community agency or the real estate investment or rental agreement.

These investments must be maintained for a specified period, and their amounts vary depending on the chosen options. 

Keep in mind that meeting these investment requirements is crucial for the success of your application.

What Are the Due Diligence Fees for Malta Citizenship by Investment?

Due diligence fees cover the cost of background checks and assessments conducted by the Maltese government during the application process. 

These fees vary based on the applicant's age and the number of dependents included in the application. 

Ensuring that you pay the correct due diligence fees is essential, as they contribute to the timely processing and thorough evaluation of your application.

What Are the Passport Fees for Malta Citizenship by Investment?

Once your application is approved and you’ve sworn the oath of allegiance to Malta, you’ll need to apply for a Maltese passport. 

There are associated passport fees, which cover the cost of processing and issuing your new document. 

These fees will vary depending on factors such as the number of passports required for your family and any expedited services you may request.

What Bank Charges Can You Expect for Malta Citizenship by Investment?

During the application process, you may incur various bank charges when transferring funds for investments, donations, or fees. 

These charges can vary depending on your bank and the specific transactions involved. 

It's essential to factor in these charges when calculating your overall financial commitment to Malta's CBI program.

What Legal and Advisory Fees Are Associated with Malta Citizenship by Investment?

Working with a professional advisor or an accredited agent is a crucial service for many attempting to navigate the complexities of Malta's CBI program. 

Legal and advisory fees cover the cost of their services, such as guidance on eligibility, required documents, and investment procedures. 

These fees can vary widely depending on the provider and the scope of services offered. 

Engaging a reputable and experienced professional is highly recommended to ensure you have a successful application outcome. 

What Additional Costs Might You Incur in Malta Citizenship by Investment?

In addition to the major costs outlined above, you may also encounter additional expenses during the application process. 

These may include:

• Translation and certification fees for required documents
• Travel costs for attending the oath of allegiance ceremony
• Health insurance coverage for you and your dependents 

Considering these additional costs will help you create a more accurate budget for your Malta CBI application.

What’s the Processing Time for Citizenship by Investment Applications in Malta?

Understanding the processing times for Malta's CBI program is crucial, as we're sure you’re eager to find out when you can expect your citizenship and passport. 

In this section, we will discuss the average processing time for Malta's CBI program and explore any expedited processing options that may be available to you.

Here's the vital information to know:

What Is the Average Processing Time for Malta Citizenship by Investment?

The average processing time for Malta's CBI program typically ranges from 6 to 12 months. 

This time frame includes the thorough background checks, assessments, and due diligence conducted by the Maltese government. 

However, it doesn’t include the residential requirements of Malta’s CBI program. 

What’s more

It's important to note that the actual processing time for each application may vary depending on factors such as the complexity of the case, the number of dependents included in the application, and the completeness of the submitted documentation.

What Expedited Processing Options Are Available for Malta Citizenship by Investment?

As of 2025, there are no official expedited processing options offered by the Maltese government for its CBI program. 

However, ensuring that your application is complete, accurate, and well-prepared can help avoid unnecessary delays in the processing of your application. 

Working with a professional advisor or an accredited agent experienced in Malta's CBI program can also prove beneficial in streamlining the process and potentially reducing the overall processing time.

Is Dual Citizenship Permitted Under Malta Citizenship by Investment Program?

Malta does allow dual citizenship, which means that individuals who obtain Maltese citizenship through the CBI program can maintain their original citizenship as well. 

This is a significant advantage for many applicants, as it provides increased global mobility, access to additional opportunities, and the ability to maintain ties with their home country. 

However

It's essential to verify the dual citizenship policies of your country of origin, as some nations may have restrictions or requirements regarding maintaining dual nationality. 

Consulting with a professional advisor or legal expert is advised to clarify any concerns or requirements related to your dual citizenship status. 

Common Questions

In Conclusion

Malta's citizenship by investment program offers a unique opportunity for you to acquire Maltese citizenship and enjoy the numerous benefits that come with it. 

By understanding the various investment options, associated costs, processing times, and other essential aspects of the program, you can make well-informed decisions tailored to your financial and personal goals.

We trust our article has helped guide you on your journey toward obtaining Maltese citizenship and unlocking new opportunities for you and your family.

If you’re interested in learning more about other CBI programs, feel free to browse through our other country-specific articles.

Learn More: Best European CBI Programs