Families applying for residency or citizenship in Malta frequently wish to extend the benefits of their status to close family members. Determining who qualifies as a dependant is therefore a key step in the application process and often one of the first questions raised by prospective applicants. However, the definition of a dependant is not uniform across Maltese immigration routes. Each programme sets its own eligibility criteria based on age, financial reliance, and family relationship, and these distinctions can significantly impact both eligibility and overall application strategy. Understanding these differences at the outset helps families plan effectively, avoid delays, and ensure that all qualifying relatives can be included from the beginning of the process.

A Comprehensive Guide to Dependant Eligibility

In Maltese immigration law, a dependant is generally defined as a family member who is materially reliant on the principal applicant. This reliance typically covers accommodation, daily living expenses, education, healthcare, and other essential needs.

As a general rule, individuals who are financially self-sufficient or economically independent will not qualify to be added to a residency or citizenship application. Married children are also excluded from dependant status, as they are presumed to form part of a separate household unit.

By contrast, the spouse of the principal applicant may be included within the same application regardless of employment status or personal income. The determining factor is the existence of the marital relationship rather than financial reliance.

For all other adult family members, substantial financial dependence must be demonstrated at the time of application, usually through evidence of ongoing support and shared household arrangements.

Malta Residency and Citizenship Routes:  Qualifying Family Members

Malta Global Residence Programme (GRP) and The Residence Programme (TRP)

The Malta Global Residence Programme aimed at attracting Non-EU/EEA/Swiss nationals, and it’s equivalent for EU nationals, The Residence Programme (TRP) allows for the inclusion of family members, with slightly different age thresholds and conditions.

Eligible dependants include:

  • The spouse of the main applicant in a legally recognised marriage or a partner with whom the beneficiary is in a stable and durable relationship.
  • Minor children under 18 years of age.
  • Unmarried adult children between 18 and 25 years of age, provided they are wholly or mainly financially dependent on the main applicant.
  • Parents and grandparents of the main applicant or spouse who are principally maintained by the applicant.
  • Siblings of the main applicant or spouse, where financial dependence can be demonstrated and where the main applicant is a legal guardian.
  • In specific circumstances, household staff who have formed part of the applicant’s household for at least two years, prior to the submission of an application, and continue to be supported by the applicant. For Non-EU employees, work permit in Malta will be required.

In all cases, the competent authorities assess dependency on the basis of actual maintenance and financial reliance rather than solely on age or employment status.

Malta Permanent Residence Programme (MPRP)

The Malta Permanent Residence Programme (MPRP) grants permanent residence rights in Malta to non-EU/EEA/Swiss nationals and their families through a government-regulated investment and contribution framework. Successful applicants obtain lifelong residence status in Malta, visa-free travel across the Schengen Area (up to 90 days in any 180-day period), and the ability to settle in a stable EU jurisdiction with access to high standards of healthcare, education, and security.

A main applicant may include the following dependants, provided the applicable dependency conditions are satisfied:

  • Spouse or partner in a long and durable relationship.
  • Children up to 28 years of age, provided they are unmarried and fully financially dependent on the Main Applicant.
  • Dependent parents or grandparents of both the main applicant or the spouse, provided they show full financial dependency on the main applicant.
  • Adult children with certified disabilities regardless of age where they are financially dependent on the main applicant.

Malta Nomad Residence Permit

Malta’s Nomad Residence Permit is designed for remote workers, freelancers, and entrepreneurs employed or operating outside Malta who wish to live in the country while continuing their foreign-based professional activity. The permit allows third-country nationals to legally reside in Malta for an initial one-year period (renewable), enjoy visa-free travel across the Schengen Area for short stays, and experience life in an EU member state without becoming tax resident by default (subject to individual circumstances). The programme is particularly suited for location-independent professionals seeking a safe, English-speaking Mediterranean base.

The Main Applicant can include the following qualifying family members in an application. The eligible dependants are:

  • The spouse of the applicant.
  • Minor children of the applicant and/or of the spouse.
  • Adult children of the applicant and/or spouse, who are not married and are principally dependent on the applicant.

In the case of a minor child for whom the applicant does not hold sole custody and who will not be accompanied by both parents in the same application, prior approval to include the dependant must be obtained from Residency Malta, as these requests are examined on a case-by-case basis.

Malta Retirement Programme

The Malta Retirement Programme (MRP) is a special tax residence scheme designed for non-Maltese nationals who receive a pension as their regular source of income and wish to relocate to Malta. The programme grants residence in Malta together with a favourable tax status, including a flat tax rate on foreign-source income remitted to Malta (subject to minimum annual tax). Beneficiaries must hold qualifying property in Malta and genuinely reside in the country, making the programme particularly attractive for retirees seeking an EU lifestyle, security, and access to high-quality healthcare in an English-speaking environment.

An applicant for the Malta Retirement Programme (MRP), can include certain close family members as dependants as follows:

  • A legally married spouse or a long-term partner in a stable and durable relationship with the beneficiary.
  • Minor children including adopted children.
  • Adult children up to the age of 25 as long as they are not economically active.
  • Brothers, sisters and direct relatives in the ascending line of the main applicant and the beneficiary’s spouse or partner. To be eligible, the main applicant must be a legal guardian of their siblings.
  • Household staff who have been providing services to the beneficiary for at least two years prior to an application. For Non-EU employees, work permit in Malta will be required.

Maltese Citizenship by Merit

For Maltese Citizenship by Merit applications, family inclusion is more limited as outlined below:

  • Spouse or recognised partner of the main applicant.
  • Unmarried children up to the age of 28 years if they can show that they are financially dependent on the main applicant.
  • Adult children (regardless of age) who have a recognised disability and are substantially supported by the main applicant.

Dependants Eligibility Summary

Route Spouse / Partner Minor Children Unmarried Adult Children Parents Other
Global Residence Programme (GRP) Yes Yes Up to 25 years (and any age if with disability) Yes Siblings & Household Staff
The Residence Programme (TRP) Yes Yes Up to 25 years (and any age if with disability) Yes Siblings & Household Staff
Malta Permanent Residence Programme (MPRP) Yes Yes Up to 28 years (and any age if with disability) Yes N/A
Malta Nomad Residence Permit Yes Yes Yes No N/A
Malta Retirement Programme Yes Yes Up to 25 years Yes Siblings & Household Staff
Maltese Citizenship by Merit Yes Yes Up to 28 years (and any age if with disability) No N/A

Key Principles Across All Routes

Across Malta’s residence programmes, certain dependency principles consistently apply:

Spouses and minor children are generally recognised as eligible dependants.
Adult dependants must typically be unmarried and financially dependent on the main applicant, unless specific exceptions apply, such as a certified disability or medical condition.

Practical Considerations

As outlined above, each Maltese pathway adopts its own definitions, age thresholds, and evidentiary requirements for family inclusion. Some programmes permit adult children up to a specified age, others focus strictly on financial dependency, while certain routes extend eligibility to wider family members under particular conditions.

Given these distinctions and the documentary scrutiny involved, applicants should seek professional guidance to assess how the rules apply to their specific family structure and to ensure the correct supporting documentation is prepared from the outset.

For expert, confidential advice on the MPRP, citizenship by merit, or other Maltese residency options, contact us to discuss how Malta can enhance your future.

The firm acts as a Malta immigration agent for international lawyers, immigration firms and professional advisors in all their interests in Malta, providing Malta residence and citizenship due diligence, file-building, immigration submission, reviews and appeals for their clients.

Licensed Malta Residence Agents

Malta continues to stand out as a premier destination for high-net-worth individuals, families, entrepreneurs, andAgent License Certificate PMP investors seeking residency benefits, a high quality of life, and strategic advantages in Europe. As a fully licensed Malta Residency Agent, ACC Immigration with Company registration number C-44042 provides expert, lawyer-led compliant guidance through the country’s key immigration pathways.

ACC Immigration holds the official licence RES-ACCA, as listed by the Residency Malta Agency, authorizing it to submit applications under the Malta Permanent Residence Programme (MPRP). This program, regulated under the latest amendments including Legal Notice 146 of 2025, enables non-EU/EEA/Swiss nationals to obtain indefinite permanent residence in Malta. Successful applicants enjoy visa-free travel across the Schengen Area, along with the right to live, work, and study in Malta. The process involves qualifying investments, such as property purchase or lease, a government contribution, and a charitable donation combined with comprehensive multi-tier due diligence to confirm applicants are fit and proper.

Furthermore, ACC Immigration is recognized as a Competent Professional authorized to submit applications for citizenship through merit. Under Malta’s Citizenship Act and related regulations this pathway grants Maltese citizenship to individuals who have rendered or commit to render exceptional services or contributions to the Republic of Malta or to humanity. This may encompass fields like entrepreneurship, philanthropy, science, culture, sports, strategic investments, or other areas of national interest.

Our Licensed Malta Residence Agent

Our managing partner Dr Priscilla Mifsud-Parker is a private client lawyer with key expertise in Maltese permanent residenceMaltese citizenship law and tax residency in Malta.  Priscilla has several years of experience in immigration law, estate and succession law, trusts and estates and property law.  Priscilla has represented numerous entrepreneurs, investors, pensioners and family offices in their relocation, residence and citizenship matters, together with ancillary personal tax advice and estate management services.

At the helm is Managing Partner Dr Priscilla Mifsud-Parker, a warranted private client lawyer with extensive experience in Maltese permanent residence, citizenship law, tax residency, trusts, estates, property transactions, and wealth structuring. She has successfully assisted numerous clients including entrepreneurs, investors, family offices, high-net-worth individuals, and pensioners with their relocation needs, while providing tailored advice on asset protection, business reorganization, and optimization via licensed Maltese structures such as investment funds.

Malta Residence Lawyers

The ACC Immigration team, comprising Maltese immigration lawyers and due diligence professionals, offers personalized, end-to-end service. This includes assessing program eligibility, preparing documentation, liaising with authorities, and ensuring full regulatory compliance. The firm also extends holistic ancillary services in tax planning, legal structuring, and estate management to support complete relocation projects.

For international professionals, ACC Immigration provides valuable B2B partnerships, serving as a dedicated Malta agent for lawyers, bankers, immigration firms, and advisors worldwide. We handles due diligence, file preparation, application submissions and reviews on behalf of their clients.

Services are delivered in multiple languages: English, French, Italian, Arabic, Mandarin, Turkish, Russian, and Maltese, catering to a diverse global clientele.

About Malta

Malta’s appeal remains strong in 2026: an English-speaking EU member state since 2004 (Eurozone since 2008), with a vibrant history dating back to 7000 BC, a cosmopolitan lifestyle featuring upscale dining, entertainment, and outdoor activities, exceptional healthcare (free for residents and EHIC holders; mandatory comprehensive insurance for Non-EU applicants), low crime rates, stunning beaches, and excellent global connectivity via multiple airlines. The real estate sector offers variety from budget-friendly apartments to luxurious sea-view villas in gated communities or scenic locales, making it easy to find an ideal base.

Choosing a reputable Malta Residency Agent like ACC Immigration ensures your application is managed professionally, transparently, and efficiently, maximizing the chances of a positive outcome while aligning with your personal, family, business, or investment goals.

For expert, confidential advice on the MPRP, citizenship by merit, or other Maltese residency options, contact us to discuss how Malta can enhance your future.

REQUEST A FREE CONSULTATION

Fill out the form below to receive a free and confidential initial consultation.

Keep in touch
Information you submit to us is processed as per our Privacy Policy

In today’s world of economic uncertainties and political instabilities, more high-net-worth individuals and families are turning to Malta’s Permanent Residence Programme (MPRP) and Citizenship by Merit for secure EU residency, Schengen mobility, and potential citizenship pathways. These programs offer family protection and long-term European access.

Yet, while demand continues to rise, so do rejection rates. Malta operates one of the most stringent due diligence frameworks in the global investment migration landscape. A significant proportion of refusals are not the result of ineligibility per se, but of avoidable mistakes, often caused by poor preparation, inadequate disclosure, or reliance on unlicensed or inexperienced intermediaries.

This article outlines the most common reasons why Malta residency and citizenship applications are rejected and explains how working with a licensed, lawyer-led agency reduces the risk of rejection.

Top Reasons Malta MPRP and Citizenship Applications Get Rejected

Malta’s four-tier due diligence extends beyond criminal records to include reputational risks, politically exposed person (PEP) status, sanctions exposure, business affiliations, litigation history, adverse media, health concerns, and any perceived threat to Malta’s national security, public policy, EU relations, or international standing. Authorities draw from global databases, open-source intelligence, and third-party specialized due diligence firms. Inconsistencies or lack of transparency often result in automatic or discretionary refusal.

Insufficient or Unverifiable Source of Funds & Wealth Documentation

This is one of the most common and complex rejection triggers. Malta demands a detailed, traceable audit trail proving legitimate wealth accumulation frequently over at least ten years, covering business profits, dividends, investment returns, inheritances/gifts, salaries/bonuses, and asset disposals.

Applicants must demonstrate, with clarity and consistency, how their wealth was accumulated. Acceptable sources include:

  • Business ownership and retained profits
  • Dividends and investment income
  • Employment income and bonuses
  • Sale of assets (real estate, shares, businesses)
  • Inheritances or family gifts (with supporting evidence)

Pitfalls include fragmented or informal records, unclear trails from reinvested profits/complex structures, ambiguous family gifts/loans, or sources deemed “unclean.” Any ambiguity is viewed as a serious integrity risk, leading to denial.

Non-Disclosure, Misrepresentation, Material Omissions, or False Declarations

Malta applies a zero tolerance approach to non-disclosure. Applicants must fully disclose prior visa refusals (especially in visa-free-to-Malta countries), tax investigations, lawsuits, arrests (even without conviction), ongoing probes, previous program denials, assets, or other material facts.

Even unintentional omissions are treated as equivalent to deliberate misrepresentation—often grounds for sole refusal. Cross-checks on family or business-linked applications frequently uncover discrepancies, triggering rejection under explicit regulations.

Due Diligence & Background Check Failures

Applications may also fail due to:

  • Adverse media exposure or articles
  • High‑risk PEP profiles
  • Sanctions or proximity to sanctioned individuals or entities
  • Association with controversial industries or jurisdictions
  • Ongoing investigations or unresolved legal matters

In certain cases, serious health conditions or factors deemed to pose a burden or risk to Malta or the EU may also be taken into account.

Importantly, rejection does not always require proof of wrongdoing—risk perception alone can be sufficient.

Poor Advisor Choice

Agents or brokers offering low fees and “guaranteed” outcomes often skip preliminary checks, mishandle disclosures, present superficial or generic source of wealth reports, rely on outdated rules, or lack depth for complex cases—resulting in preventable failures.

A rejection carries lasting impact:, since prior denials must be disclosed in other programs the applicant might apply for, increasing scrutiny and limiting options for you, family, or associates.

Why Choose ACC Immigration

While many intermediaries can compile forms and submit applications, Malta’s high‑scrutiny environment demands far more than administrative support.

As a licensed agent under Residency Malta Agency (Licence RES-ACCA), ACC Immigration is headed by experienced lawyers who provide specialist immigration and due diligence services. Our lawyer-led approach delivers:

  • Comprehensive pre-application due diligence to identify and mitigate risks early.
  • Robust, legally sound documentation, wealth narratives, and strategic disclosures.
  • Expert navigation of compliance and regulatory requirements
  • Honest and realistic eligibility assessment prior to onboarding

With global demand rising, Malta prioritizes quality, well-prepared applicants who align with program integrity. At ACC Immigration, expert lawyer guidance from the outset isn’t an add-on—it’s the essential safeguard for your family’s future through MPRP or Citizenship by Merit application. Get in touch with us.

ACC Immigration is delighted to announce that our Managing Partner, Dr Priscilla Mifsud Parker, has been named one of the Uglobal Top 25 Global Migration Attorneys 2025. This respected honour highlights her extensive expertise in Maltese tax residency, residence and citizenship solutions, and international wealth and corporate structuring. Priscilla is one of only two Maltese lawyers featured in this year’s global ranking.

Uglobal Top 25 Global Migration Attorneys

Each year, Uglobal Immigration Magazine recognises professionals who demonstrate leadership, cross‑border advisory excellence, and meaningful contributions to the investment migration sector. Priscilla’s inclusion reinforces her reputation as a leading authority in residence and citizenship planning and international private client advisory.

About Priscilla Mifsud Parker

As Managing Partner at ACC, Priscilla brings over twenty years of experience advising high‑net‑worth families, entrepreneurs, and multinational organisations. Her key areas of specialisation include:

  • Wealth structuring and long‑term preservation
  • Trusts, estate planning & international succession
  • Corporate and business structuring
  • International tax planning and optimisation
  • Maltese Residence and citizenship solutions
  • Cross‑border planning for global families and investors

Priscilla is known for designing, implementing, and managing sophisticated international structures, including reorganisations, high‑value asset optimisation, and regulated investment vehicles.

A recognised innovator, she also led the establishment of Malta’s first cryptocurrency exchange in 2013 — at a time when no regulatory framework existed, marking her as a pioneer in fintech structuring and compliance.

Contribution to the Investment Migration Industry

Priscilla advises international private clients on Maltese tax residency, permanent residence, citizenship pathways, and multi‑jurisdictional wealth strategies.

Her current roles include:

  • Chairperson of STEP Malta
  • Member of the STEP Malta Technical Sub‑Committee
  • Featured specialist on Investment Migration Insider (IMI)

Her presence within STEP reflects her leadership in shaping standards for trusts, estates, and international wealth succession.

ACC’s Residence & Citizenship Advisory

ACC proudly supports global clients with:

  • Tailored residence and citizenship solutions
  • Compliant, secure wealth and corporate structuring
  • Long‑term private client advisory
  • Cross‑border tax, estate, and succession planning

Driven by integrity, due diligence, and personalised service, ACC remains a trusted partner for families and individuals seeking stable, strategic international mobility and wealth preservation.

Congratulations to Priscilla on this outstanding achievement. Her recognition within the Uglobal Top 25 Global Migration Attorneys 2025 reinforces her leadership, vision, and significant contribution to the global investment migration sector.

As global uncertainties persist, many Americans are turning to second residence or citizenship options that offer security, mobility, and lifestyle benefits, without having to renounce American citizenship. Malta, an English-speaking EU island nation, provides two standout routes to residence and citizenship: the Malta Permanent Residence Programme (MPRP) for lifelong residency and Citizenship by Merit, granting citizenship in Malta.

This article compares residence vs. citizenship, highlights key motivations for Americans, and details the latest requirements, benefits, and why Malta remains a top choice for Americans seeking residence and citizenship.

Why Malta?

Malta offers Americans a captivating Mediterranean escape that feels both exotic and remarkably accessible. As an English-speaking archipelago in the heart of the Mediterranean, it eliminates language barriers entirely. You can chat easily with locals, read signs without effort, and order food confidently. Its compact size means everything is just a short drive or ferry ride away, making exploration relaxed and straightforward compared to larger European countries.

The islands deliver an extraordinary depth of history in a small space. You’ll find ancient megalithic temples older than the pyramids, grand Baroque architecture, and the fortified city of Valletta, a UNESCO World Heritage site. Dramatic fortifications tell stories of knights, sieges, and empires across centuries. For Americans who love rich cultural heritage paired with stunning visuals, Malta feels like stepping into a living history book layered with Phoenician, Roman, Arab, Norman, and British influences at every turn.

The natural beauty stands out vividly: crystal-clear turquoise waters, dramatic cliffs, hidden coves, and the iconic Blue Lagoon on Comino create a paradise for swimming, snorkeling, diving among world-class wrecks and caves, or simply relaxing on scenic beaches. With over 300 days of sunshine each year, the climate provides reliable warmth that contrasts sharply with many U.S. regions. It’s ideal for escaping winter or enjoying a summer that stays pleasantly warm thanks to refreshing sea breezes.

Food and daily life complete the appeal. Maltese cuisine blends fresh Mediterranean flavors with delicious seafood, savory pastizzi pastries, and other traditional dishes served in welcoming settings. The dining scene has evolved into a vibrant mix of authentic eateries and modern spots including Micheline guide restaurants.

Whether you’re after adventure, relaxation, culture, or simply a beautiful island getaway with unmistakable European flair, Malta combines accessibility, history, scenery, and warmth in a way that leaves many American visitors wondering why they waited so long to experience it.

Malta Residence vs. Citizenship: Key Differences

Residence and citizenship represent two distinct legal statuses in any country, including Malta. Residence grants the right to live and work in the country for an indefinite period.

Citizenship, by contrast, is the highest form of membership in a nation, conferring full and permanent belonging. Citizens enjoy comprehensive rights, including voting, holding a national passport (with its associated travel privileges), consular protection abroad, and lifelong security.

  • Malta Permanent Residence (MPRP): Grants indefinite right to live and work in Malta, and visa-free Schengen travel (90 days in 180). It provides a stable “Plan B” with family inclusion with the ability to include up to five generations. Moreover, children included in such an application maintain their PR status for life even once they stop being financially dependent on the applicant or have their own spouse.
  • Malta Citizenship: Confers Maltese nationality with extensive international mobility, including a highly ranked passport offering visa-free access to 190+ destinations. Citizenship grants the right to live, work, and establish residence across Europe, access to consular protection abroad, and the ability to pass citizenship to future generations. Malta permits dual nationality, meaning U.S. citizens are not required to renounce their existing citizenship.

Why Americans Choose Malta for Residence or Citizenship

Malta appeals to U.S. citizens seeking diversification:

  • Geopolitical & Economic Security:  A stable EU base.
  • Enhanced Global Mobility: Schengen access (residence) or full citizenship.
  • Mediterranean Lifestyle: 300+ sunny days, historic sites, beaches, and relaxed pace.
  • Top-Tier Safety: Malta ranks 12th safest globally according to recent indexes.
  • English as Official Language: No translations needed for documents, applications, or daily life, making it ideal for Americans.
  • Family Inclusion: Possible to include spouses/partners and dependent children (up to age 28)
  • LGBTQ+ Friendliness: Malta tops the ILGA-Europe Rainbow Index for 10 consecutive years. Full marriage equality (since 2017), joint adoption, conversion therapy ban, strong anti-discrimination laws, and gender recognition make it one of the world’s most progressive and welcoming destinations for LGBTQ+ individuals, couples, and families.
  • No Relocation Required : Zero minimum stay for MPRP allowing applicants to still reside in the US.
  • Better Accessibility: Delta Air Lines launched seasonal nonstop flights from New York (JFK) to Malta (MLA) from  June 2026.

Malta Permanent Residence Programme (MPRP): Requirements & Benefits

Administered by the Residency Malta Agency, the MPRP grants lifelong permanent residency from approval, making it ideal for Americans wanting a place in Europe to call home.

Core Requirements

  1. Government Fees & Contribution
    • Non-refundable Administrative Fee: €60,000 (main applicant) + €7,500 per adult dependent (spouse/partner, adult children, parents/grandparents).
    • Non-refundable Government Contribution: €37,000 (payable within 8 months of approval).
  2. Property Investment
    • Purchase qualifying residential property ≥ €375,000, or rent ≥ €14,000/year.
  3. Charitable Donation
    • €2,000 to a registered Maltese NGO (philanthropy, culture, sports, science, animal welfare, arts).

In order to be eligible to apply under the MPRP programme, applicants are to be covered by a health insurance policy in Malta.

Major Benefits

  • Lifelong residency for main applicant + family (effective immediately).
  • Single application includes spouse/partner (including same-sex), unmarried/financially dependent children up to age 28, dependent parents/grandparents.
  • Children retain PR after marriage or employment; can extend to their spouses/children.
  • No minimum stay, language test, or relocation obligation.
  • Visa-free Schengen travel.
  • LGBTQ+ families enjoy Malta’s leading equality protections.

Malta Citizenship by Merit Pathway

Following 2025 reforms, this discretionary route replaces direct investment with merit-based naturalisation. It targets exceptional contributions to science, technology, arts, sports, philanthropy, entrepreneurship aligned with Malta’s Vision 2050.

Malta Citizenship by Merit is a naturalisation pathway under Maltese nationality law, reserved for individuals whose exceptional achievements, services, or contributions are clearly deemed to be in Malta’s national interest.

Granted at the discretion of the Minister under the Maltese Citizenship Act (Cap. 188), as amended in 2025 and implemented through specific regulations, this route is not based on fixed criteria. Each application is assessed individually on its own merits, with a strong emphasis on demonstrable public value. Eligible candidates typically include leaders and high achievers in fields such as science and research, technology and innovation, entrepreneurship, arts and culture, international sport, education, philanthropy, and social or humanitarian initiatives.

Authorities assess both past achievements and future commitments, focusing on tangible outcomes for Malta such as job creation, financing of national interest projects, innovation, cultural or educational advancement, and long-term social or economic sustainability.

Successful applicants may include their immediate family members and, if approved, are granted Maltese citizenship, offering extensive global mobility, a secure and reputable jurisdiction for residence or business, access to quality education, and all the benefits that Maltese citizenship grants.

Malta as Your European Option

For Americans, the MPRP delivers straightforward, family-inclusive permanent residency with minimal disruption while Citizenship by Merit offers Maltese citizenship for contributing to Malta. Both preserve U.S. citizenship, leverage Malta’s exceptional safety, English environment, and Mediterranean lifestyle.

If you’re considering Malta as your European base, we’re here to help you evaluate the right pathway for you and your family. From permanent residency under the MPRP to citizenship options by merit, we provide clear guidance tailored to U.S. citizens.

Our legal services are led by licensed agent Dr Priscilla Mifsud Parker, ensuring your application is handled in full compliance with Maltese regulations.

Contact us to discuss your goals, eligibility, and next steps with confidence.

Malta’s Golden Visa programme, formally known as the Malta Permanent Residence Programme was formally enacted into law by means of Legal Notice 122 of 2021 in April of 2021 and further amended via Legal Notice 310 of 2024 and Legal Notice 146 of 2025. The introduction of the MPRP happened with the announcement of the restrictions of the Portugal Golden Visa and rumours of its possible closure. In February 2024, the Portuguese Prime minister announced that his government would end the Golden Visa Programme. Subsequently in October, the Portuguese President Marcelo Rebelo de Sousa confirmed the enactment of the ‘More Housing’ Bill with the intention of removing the option to invest in property as a way to apply for the golden visa programme in Portugal. Hence till today the Portuguese residence programme is still open for investors, without the option to invest in real estate. In order to be eligible to apply for the Portuguese Golden Visa, applicants are now required to invest at least €500,000 in a private equity fund prior to the submission of the application.

As a result, Malta presents the best alternative to Portugal’s golden visa programme for a number of reasons.

Comparison: Malta Golden Visa – Portugal Golden Visa

As a Schengen & EU member, Malta’s residence by investment programme has been a popular alternative for non-EU nationals seeking a safe European country which is centrally located in the Mediterranean Sea, making it an ideal base for travelling. Malta is also part of the Commonwealth as it was a colony of the UK until 1964. As a result Malta has two official languages, Maltese and English, making it effortless to communicate with locals on the island or in the instance of full relocation to Malta. Below you can find the main differences between Permanent Residency  in Malta and the Golden Visa in Portugal.

Malta requires investment only on approval of the PR Application

One of the main differences between Malta and Portugal’s Golden Visa programme is that whilst in Portugal the investor would need to invest €500,000 in funds before the submission of the application, the investment is only required once the application is approved in Malta. In addition, Malta also grants the option to rent rather than purchasing a property.

The applicant is expected to visit Malta only on approval

Given that in Malta, the investor would need to rent or purchase a property only on approval, there is no requirement to visit before the issue of the letter of approval in principle. In fact, in Malta, the submission of the application is done by the licensed agent through a Power of Attorney. Once the letter of final approval is issued, the applicant would be invited to visit Malta in order to take photos and fingerprints for the residence card to be issued. In Portugal, the applicant would need to visit the country at the outset in order to open a bank account and to make the initial investment in funds. Moreover in order to renew the residence card, the applicant would be required to visit Portugal for at least 7 days in the first year and 14 days in subsequent years.

Malta grants Permanent Residence status immediately compared to a temporary residence permit issued in Portugal

The residence status issued by Malta under the Malta Permanent Residence Programme is immediate permanent residence from day one. Malta issues two documents on approval, one being a certificate of permanent residence without an expiry date, and secondly a residence card which is issued for five years and renewable indefinitely. This means that with a Malta PR, families are given the right to reside in Malta indefinitely from the moment of issuance of the residence certificate. In addition, Malta also offers applicants the option to request an immediate temporary residence card, while they wait for the PR application to be approved.

Portugal on the other hand gives a temporary residence permit which is initially issued for one year and then renewable for two-year periods. In order to maintain residency in Portugal the investor would need to spend at least 7 days in Portugal during the first year and 14 days during subsequent years.

Malta doesn’t require the purchase of a property. Rental of a Property is allowed to apply for Permanent Residence

In Malta, the applicant is given the option to rent OR buy a property. Only on approval, an investor under the Malta PR programme would need to purchase a residential property costing not less than €375,000 for a property located in Gozo or Malta. Alternatively, the applicant would on approval be required to rent a residential property for not less than €14,000 annual rent for a property situated in Gozo or Malta. The applicant is required to keep the qualifying property only for 5 years, however in order for the residence card to be renewed, the applicant would still need to have a property rented or purchased in Malta, without satisfying the minimum thresholds..

Malta requires applicants to provide evidence that they are economically self-sufficient unlike Portugal, in order to be eligible to apply for the Malta Golden Visa applicants would need to show possession of at least €500,000 worth of assets, out of which €150,000 shall be in the form of liquid assets such as money in a bank account or money invested in stocks or bonds. Applicants may alternatively opt to provide €650,000 in capital, with €75,000 of it needing to be in the form of financial assets. In Portugal, applicants are not asked to provide evidence of economic self-sufficiency.

Malta allows the inclusion of four family generations under one application

Under the MPRP, the main applicant may add in the same application the main applicant’s spouse in a monogamous marriage or in another relationship having the same or similar status to marriage; children (up to the age of 28) as long as they are not married and are still financially dependent on the main applicant, and parents/grandparents of both the main applicant and the spouse provided they are also financially dependent on the main applicant.

A special designated agency operates the Malta PR Programme

The Malta Permanent Residence Programme is administered by a designated agency called Residency Malta Agency with the sole responsibility to manage and promote Malta’s residence by investment programme. The Agency is also tasked to receive applications, to conduct due diligence on prospective applicants and to issue the residence cards and certificates. On the other hand the Portuguese Golden Visa Programme is administered by AIMA (Agency for Integration, Migration & Asylum) which is an agency responsible for all immigration matters in Portugal and for monitoring borders hence applications submitted under the Golden Visa programme are processed with other immigration programmes and not given a preferential treatment. As a result applications under Malta’s Golden Visa are processed within a six-twelve month period whilst applications under the Portugal’s Golden Visa sometimes take up to two years to be processed.

Requirements – Malta’s Golden Visa Programme

The Malta Permanent Residence Programme requires investors to satisfy three main requirements. The majority of the requirements are to be paid upon approval of the application. The three requirements are as follows:

1. Pay a one-time government administrative fee of €60,000 and a government contribution of €37,000 (An additional €7,500 government fee is due for each adult dependant child, parent and grandparent included in the same application), and

2. Rent a property in Malta or Gozo for €14,000 per year OR purchase a property for €375,000, and

3. Pay a donation of €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic NGO.

From the above requirements, the applicant is only required to pay a non-refundable fee of €15,000 on submission of the application.

Benefits of Obtaining Malta Permanent Residency

• Having the right to settle, reside and work permanently in Malta

• Include all the family members in the application

• Enjoy visa-free travel within the Schengen Area and the right to reside in Schengen countries for 90 days out of 180 days

• Malta has a Mediterranean climate with mild winters and hot summers

• Cost of living in Malta is low compared to European countries with affordable housing, food and entertainment options

• English is an official language in Malta, making it an attractive destination for English speaking expats

• Malta has a rich cultural heritage and is home to many historical sites and landmarks

• Malta has a high quality of life with excellent healthcare, education and government services

Malta Permanent Residence Programme Application Process

The first step in order to apply for permanent residence in Malta involves the engagement of a licensed agent such as our firm with licence number AKM-ACCA. The applicant signs a Power of Attorney authorising the licenced agent to compile the documents and prepare the application forms for submission. An application is submitted by the licenced agent and the applicant is not required to be in Malta in order to submit an application. Once the required documents and application forms are submitted to the Residency Malta Agency, the applicant would need to pay a non-refundable government fee of €15,000, which is part of the final contribution. On receipt of the application and government fee, the Agency will start reviewing the application and conducting a due diligence exercise. Such process is expected to take 4-6 months, after which the letter of in principle approval is issued. Once the letter of in principle approval is issued the applicant is required to pay the remaining government fees, rent or purchase property and give a donation to charity. Once these requirements are fulfilled, the Residency Malta Agency issues a letter of final approval and the applicant would be required to visit Malta to give biometric data for the residence cards to be issued. Once this is done the applicant becomes a permanent resident of Malta for life.

Get in touch with us for more information about the Malta Permanent Residence Programme

With the EU moving to finalise a mechanism to suspend Schengen visa-free travel for Caribbean countries offering citizenship by investment, interest is shifting towards more secure alternatives within Europe. Residency by investment programmes are gaining ground as strategic options, offering residence rights in the EU without losing Schengen access. Among these, Malta’s Permanent Residence Programme (MPRP) stands out for its stability, transparency, and long-term benefits.

From Caribbean to Europe: A Shift in Global Mobility Strategy

The global investment migration landscape is shifting rapidly, since Caribbean citizenship by investment (CBI) programmes are under increasing scrutiny. This has been especially true following recent decisions by the European Union, the United Kingdom, and the United States to tighten their approach to visa waivers for countries offering citizenship with minimal genuine ties.

Meanwhile, the United States issued a travel ban memorandum naming Antigua and Barbuda, Dominica, St. Kitts and Nevis, and St. Lucia, citing concerns over citizenship grants without residency or genuine connection.

As the viability of Caribbean citizenship by investment programmes comes under increasing pressure, European residency by investment regulations, are gaining prominence as lawful and strategically sound alternatives. While the Schengen Area currently remains accessible to Caribbean passport holders, the situation may change with the European Union’s announcement of legislative reforms to tighten its visa policy.

EU Reform: The Updated Visa Suspension Mechanism

In April 2025, the European Council and Parliament reached a provisional agreement to revise the EU’s visa suspension mechanism. Originally introduced in 2013, the regulation allows the EU to suspend visa-free travel from third countries under specific conditions.

The updated regulation introduces broader grounds for suspension. Chief among them is the operation of investor citizenship schemes that offer nationality without genuine links or long-term commitments. The EU now has greater authority to suspend visa-free access for countries running such programmes, with initial suspensions lasting up to 12 months and potential extensions reaching 24 months.

Additional triggers include:

  • Divergence in visa policy from EU standards;
  • Weaknesses in document security and hybrid threats;
  • Increased asylum claims or overstay rates;
  • Deterioration in human rights or rule of law.

The Schengen Area: Europe’s Passport-Free Zone

The Schengen Area includes 29 European countries that have eliminated internal border controls, allowing passport-free movement for residents and eligible visa holders. Malta, a full Schengen member, grants visa-free access to residents under the MPRP for up to 90 days within any 180-day period across the entire zone.

As of 2025, Schengen includes Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

Malta’s MPRP: A Secure Route to European Residency

Unlike Caribbean citizenship programmes, Malta’s Permanent Residence Programme grants residence in a Schengen Member State. As a result, beneficiaries gain the right to reside in Malta indefinitely and can travel visa-free within the Schengen Area using their Maltese residence card together with their passport.

Malta has built a reputation for political and economic stability, a sound legal system, and a strong compliance culture. The country actively participates in EU and OECD anti-money laundering and financial transparency frameworks.

Key Requirements of the MPRP

To qualify for the MPRP, applicants must meet several legal, financial, and due diligence obligations:

  • Government Contribution: €37,000.
  • Government Admin Fee: €60,000 covering the main applicant, spouse and all minor kids. An additional gov. fee of €7,500 per adult child, parent, grandparent is also applicable.
  • Property Requirement: Minimum annual rent of €14,000 or minimum purchase price of €375,000. The property must be retained for at least five years, and a qualifying property must always be maintained.
  • Philanthropic Donation: A donation of €2,000 to a registered Maltese NGO.
  • Financial Threshold: Applicants must declare assets of at least €500,000, with €150,000 in liquid financial assets. Alternatively, €650,000 in total assets, with at least €75,000 in liquid financial assets.
  • Due Diligence: Applicants must undergo thorough background checks and demonstrate good conduct, along with sufficient stable resources to support themselves and dependants. In addition applicants must disclose their assets and provide evidence of source of wealth and funds.

What Makes MPRP a Standout Alternative?

For individuals seeking secure, long-term residency in Europe with the benefits of Schengen mobility, the MPRP offers a compelling value proposition:

  • Lifetime permanent residency for the main applicant and family
  • One streamlined application for the entire family unit
  • Inclusion of children (unmarried, dependent, up to age 28) and financially dependent parents or grandparents
  • PR retention even if children later marry or start working
  • Future family rights, including spouses and children of the originally approved children
  • Immediate issuance of temporary residence cards while applicants wait for their PR application to be processed
  • Visa-free travel across the Schengen Area for 90 days in every 180 days
  • Investment obligations payable only after approval

In light of the increasing regulatory scrutiny and the anticipated suspension of visa-free access to the Schengen Area, the legal certainty and mobility benefits historically associated with Caribbean citizenship by investment programmes are progressively diminishing. Consequently, investors prioritising stability, lawful access to the European Union, and long-term mobility are turning to more secure and compliant alternatives.

Malta’s MPRP provides such a solution with a clear, legal pathway to permanent residency, backed by strong due diligence, regulatory alignment, and continued access to the Schengen zone.

How We Can Assist

Our firm’s Immigration & Relocation Law department is Malta’s longest-standing team dedicated to investment migration. We have advised high-net-worth individuals, global entrepreneurs, and internationally mobile families on how best to achieve their goals through Malta’s residency solutions.

Our services cover all legal, administrative, and practical aspects of relocation—from programme eligibility and tax planning to education, housing, and health logistics.

Dr Priscilla Mifsud Parker, our Senior Partner and a licensed agent for the Malta Permanent Residence Programme (Licence No. AKM-ACCA), leads our team in providing clear, comprehensive advice tailored to your individual needs.

If you are looking for a long-term, Schengen-accessible residency solution that aligns with international standards, Malta’s MPRP could be your next strategic move.

 

Malta is about to become more connected than ever to the United States. Starting next summer, Delta Air Lines will operate direct flights between New York’s John F. Kennedy International Airport (JFK) and Malta International Airport (MLA), a development hailed as a major milestone for the island nation. The seasonal service, scheduled to run three times a week between June and October on a Boeing 767-300, will mark the first-ever nonstop connection between Malta and the United States.

For U.S. nationals considering applying for residence or citizenship in Malta, this new route makes the journey easier, faster, and more attractive.

A Boost for U.S –Malta Connectivity

The announcement underscores the growing cultural and economic links between Malta and the United States. Beyond tourism, the direct flight represents a bridge for business, education, and lifestyle migration a crucial factor for Americans seeking to establish themselves in Europe.

For years, U.S. nationals interested in Maltese residence or citizenship had to connect through hubs such as Turkey, London, Frankfurt, or Rome. With a direct route, Malta is no longer a hidden gem but a directly accessible gateway to Europe.

Growing Interest from U.S. Nationals in Malta Citizenship and Residency

Over the past few years, there has been a significant increase in U.S. clients applying for both the Malta Permanent Residence Programme (MPRP) and Citizenship by Merit in Malta.

Some of the key drivers behind this trend include:

  • Global mobility and security – Maltese citizenship grants visa-free access to over 190 destinations, including the right to establish oneself in Europe.
  • Lifestyle and climate – Malta’s Mediterranean weather, English-speaking environment, and safety make it a preferred relocation destination.
  • Geopolitical considerations – Many Americans are seeking a “Plan B” to secure family futures and hedge against uncertainty.

Malta Residence vs Citizenship: Key Differences

For prospective applicants, the choice often comes down to residency versus citizenship:

  • Maltese Residence (MPRP): grants the right to reside in Malta indefinitely, access to the Schengen Area for 90 out of every 180 days, and an opportunity to enjoy Malta’s lifestyle without giving up U.S. citizenship.
  • Maltese Citizenship: goes further by granting full citizenship rights, including the ability to establish residence anywhere in Europe.

The introduction of direct flights strengthens the appeal of both options by making it easier for applicants to visit Malta, complete due diligence requirements, and maintain a closer connection to their new home.

Get in Touch

This direct link between the U.S. and Malta is more than a tourism initiative since it’s a strategic development for investors, entrepreneurs, and families looking at Malta as their European base.

With Malta positioning itself as a hub for international business, education, and culture, the timing of this route aligns perfectly with the growing number of U.S. nationals exploring Maltese residence and citizenship options.

If you are considering applying for Maltese residence or citizenship, this new connection may make your journey smoother both figuratively and literally. Get in touch with us for more information.

In recent years, the socio-political landscape in Lebanon has been marked by significant instability. Economic downturns, political uncertainty, and security concerns have compelled many Lebanese nationals to seek alternative options for a stable and secure future. Among these alternatives, the Malta Permanent Residence Programme (MPRP) has emerged as the preferred European residence solution for a different number of reasons.

A Safe Haven in the Heart of the Mediterranean

Malta, a member of the European Union and the Schengen Area, is renowned for its political stability, robust economy, and high quality of life. The island nation provides a safe and secure environment, making it an attractive destination for those fleeing regions of turmoil. For Lebanese nationals, Malta’s PR Programme offers a permanent residence status in a country that is both geographically and culturally accessible.

A Maltese permanent residence application can include up to four generations applying together in one application. The PR status becomes effective for all the family members immediately on application approval.

Economic and Financial Security

One of the primary benefits of Malta, is the economic stability it promises. Unlike Lebanon, which has faced severe financial crises and currency devaluation, Malta boasts a solid economy with a resilient banking sector. Permanent residents of Malta benefit from a favourable tax regime, including no wealth, inheritance, or property taxes, making it an appealing option for Lebanese investors and businesspeople looking to protect and grow their assets.

Access to the Schengen Zone

Obtaining permanent residence in Malta comes with the significant advantage of access to the Schengen Zone. Apart from the right to live in Malta indefinitely, under the MPRP Lebanese nationals can travel freely within the Schengen Zone with a maximum stay of 3 months in every 6 months. For businesspeople, this means enhanced commercial opportunities without having to secure a Schengen Visa for each trip.

A Streamlined Residency Process

The Malta Permanent Residence Programme is designed to be efficient and straightforward. Applicants must satisfy the following investment requirements:

  1. Pay a one-time contribution to the Government of €37,000 and a government administrative fee of €60,000 (an additional government admin fee of €7,500 per adult dependant child, parent and grandparent included in the application is also due), and
  2. Rent a property in Malta or Gozo for €14,000 OR purchase a property for €375,000 and
  3. Pay a donation of €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic NGO.

Furthermore, the main applicant needs to declare and provide evidence that s/he is in possession of assets having a value of not less than €500,000 out of which a minimum of €150,000 shall be in the form of financial assets. Applicants may also opt to present a capital of €650,000, with at least €75,000 in the form of financial assets.

All the family members included in the PR application need to pass the necessary background checks and be deemed as fit and proper to proceed with an MPRP application.

The investments mentioned above are only required after the approval of the MPRP application. This makes the process transparent and well-regulated, ensuring that applicants can achieve residency status without unnecessary complications or delays.

Quality of Life and Cultural Affinity

Malta offers a high standard of living with a blend of Mediterranean charm and modern amenities. The country is known for its excellent healthcare system, diverse educational institutions, and a rich cultural heritage. For Lebanese nationals, the cultural similarities, such as the Mediterranean lifestyle, cuisine, hospitality and language resemblances, make Malta a comfortable and familiar environment to consider.

Long-Term Stability and Peace of Mind

In a region where uncertainty is the norm, the ability to plan for the long term is invaluable. Malta’s Permanent Residence Programme provides Lebanese nationals with peace of mind, knowing they have a secure and safe place to call home.

The Malta PR route route is especially appealing since applicants who submit their PR application, can immediately request a temporary residence card which allows them to live in Malta and to travel within the Schengen Zone, while they wait for their permanent residence application to be approved.

The stability Malta offers and the lifetime permanent residency status, allows families to focus on building their futures, whether through education, business ventures, or simply enjoying a higher quality of life.

At the same time, the Maltese Permanent Residence Programme does not impose any annual physical stay in Malta. This makes it easier for families who might seek PR as a Plan B for their families.

Conclusion

As Lebanon continues to navigate its challenges, the Malta Permanent Residence Programme stands out as a viable and attractive solution for Lebanese nationals seeking a safe harbour. The combination of economic benefits, possibility to relocate to Malta, access to the Schengen Zone, and a high quality of life makes Malta an ideal destination. For many Lebanese families, the MPRP is more than just a residency programme; it is a gateway to a brighter, more stable future.

An application under The Malta Permanent Residence Programme (MPRP) may only be submitted via the services of a licensed agent. ACC is a licensed agent in Malta and can assist with MPRP applications. (AKM-ACCA)

The island of Malta, with its strategic location in the Mediterranean Sea, attracts a number of non-EU nationals wishing to relocate or retire in a safe and stable country. Malta is a welcoming jurisdiction which offers a multicultural lifestyle, thereby attracting many high-net-worth expatriates who relocate with their families to the island. In addition, Malta is a member of both the Schengen Area and the European Union.

The country offers various residence programmes aimed at assisting foreign nationals wishing to attain a Maltese residence status. One of the prevalent residence options is The Malta Permanent Residence Programme (MPRP) which grants the applicants with Permanent Residence for life and can include four generations in one application.

ACC Immigration Advisors is a licensed agent by the Residency Malta Agency with Licence number AKM-ACCA.

To be eligible for the Malta Permanent Residence Programme, the applicant must satisfy the following financial requirements:

Government Administrative Fee

The applicant is required to pay a non-refundable government administrative fee of €60,000 per application (not per person). An initial payment of €15,000 is to be settled within one month of submission of application while the remaining €45,000 is settled within two months from receipt of Letter of in Principle Approval.

There is an additional government administrative fee of €7,500 to be paid for each adult dependant child, parent and grandparent, added to the same application.

Government Contribution

Another requisite is the payment of a government contribution amounting to €37,000 per family which is payable within eight months from receipt of Letter of in Principle Approval.

Donation to a Voluntary Organisation

The applicant needs to donate €2,000 to a local registered cultural, sport, philanthropic, scientific, animal welfare or artistic non-government organisation or society registered with the Commissioner for Voluntary Organisations.

Health Insurance

All applicants included in an MPRP application, must have a private health insurance policy. This health policy must cover all beneficiaries for a minimum of €30,000 per year and should cover full expenses for Malta.

Property Investment

Upon receipt of the Letter of in Principle Approval, an MPRP applicant needs to choose a qualifying property to rent or purchase. The chosen qualifying property is to be kept for 5 years. The property thresholds are outlined below:

Option 1 – Property Rental

  • The applicant needs to spend a minimum of €14,000 rental per year when renting a property in Malta or Gozo.

OR

Option 2 – Property Purchase

  • The applicant needs to spend a minimum of €375,000 when purchasing a property in Malta or Gozo.

Self Sufficiency

Furthermore, the main applicant for MPRP must show that he is in possession of at least €500,000 in assets, out of which €150,000 should be liquid assets such as stocks, bonds, publicly listed/traded shares, funds and bank deposits. As an alternative,  the applicant may present a capital of €650,000, with €75,000 required to be in the form of financial assets.

Benefactor or Doner

If the MPRP main applicant cannot satisfy the financial requirements listed above, he can still submit an MPRP application as main applicant who is a supported by a donor or benefactor.

A donor is an individual who, at a certain point in time, has given a one-time donation which contributed to the accumulation of total wealth of the main applicant. On the other hand, a benefactor is an individual who is taking the responsibility to cover the financial requirements listed above that would qualify the main applicant as eligible for the issuance of the certificate of permanent residence in Malta. Both the donor and benefactor are screened by the agency’s due diligence process as the source of funds of the main applicant.

The MPRP programme is only open to Non-EU nationals with the exception of individuals who hold the nationality of Russia, Belarus, Afghanistan, North Korea, Iran, Democratic Republic of Congo, Somalia, South Sudan, Sudan, Yemen, and Venezuela.

A Malta Permanent Residence application can be submitted at Residence Malta Agency via a Licensed Agent.

ACC Immigration Advisors (Malta company registration number C-44042) is duly authorised to act as a licensed Malta agent and holds licence number AKM-ACCA.

Page 1 of 81 2 3 8

© 2026 ACC Advisors Ltd. Malta Immigration. Privacy Policy.