MaltaBedrijfsoprichting, belasting en bankieren
An EU licence you can use across Europe for online gaming, funds and fintech.

Malta is the place for EU licences you can use across Europe: online gaming (MGA), funds (AIF, PIF, UCITS), fintech (EMI and payment licences from the MFSA) and captive insurance. English is an official language, the law mixes English and European traditions, and the regulator is much more approachable than most in Western Europe.
The tax system is unusual: 35% company tax, but shareholders living abroad get 6/7ths of it refunded, giving an effective 5% on active trading income and 10% on passive income. Set up correctly, Malta is one of the most tax-efficient EU countries for regulated businesses.
Waarom mensen kiezen voor Malta
- An EU licence you can use across Europe
- Licences for online gaming (MGA), funds, and e-money or payments (MFSA)
- 35% company tax, but shareholders living abroad get 6/7ths refunded
- Effective 5% on active trading income, 10% on passive income
- English is an official language and the regulator is approachable
Waar Malta past
- iGaming (MGA)
- Fondsen
- PSPs
Waar Malta past in een structuur
Gebruikelijke rol · Regulated licence holder
The Maltese company holds the licence and serves customers across the EU from a real base in Malta. It pays 35% company tax, and when it pays dividends to shareholders living abroad, 6/7ths of that tax is refunded on active trading income, leaving an effective 5%. It relies on genuine operations in Malta and, usually, on EU banking lined up in other countries.
Waar het van afhangtThe MFSA and MGA check for local directors, an office, staff and operations, so compliance costs are significant, and the refund depends on the shareholders living abroad.
Een vereenvoudigd beeld ter toelichting, geen aanbeveling. Algemene informatie, geen belasting- of juridisch advies.
Een bankrekening openen
Malta's banking is thinner than its licences deserve — many local banks are cautious about high-risk sectors (gaming, crypto, fintech). We line up EU banking in other countries (Lithuania, Ireland, Luxembourg) as part of most Maltese licensing jobs.
Zo werkt de belasting hier
35% company tax, with 6/7ths refunded on active trading income to shareholders living abroad (effective 5%), 5/7ths refunded on passive income (effective 10%), and full credit for tax already paid. Malta has a wide network of tax treaties and full access to EU directives.
Echte aanwezigheid, en wie de eigenaren kan inzien
Regulated businesses in Malta need real presence — the MFSA and MGA check for local directors, an office, staff and operations. Compliance costs are significant; the regulator expects you to take it seriously.
Wanneer u hiervoor kiest
Choose Malta when you need an EU licence you can use across Europe for a regulated activity — funds, online gaming, e-money, payments, insurance — and you can genuinely set up operations there.
U krijgt een schriftelijke vergelijking, geen verkooppraatje.
Elke Malta aanbeveling krijgt u als schriftelijke vergelijking met de alternatieven. Daarin leest u of de opzet een kritische toets kan doorstaan, hoe makkelijk bankieren zal zijn, welke belastingverdragen gelden, wie de eigenaren kan inzien, wat het per jaar kost om alles draaiende te houden en welk risico uw reputatie loopt. Zo ziet u de voor- en nadelen voordat u zich vastlegt.
Overweegt u Malta? Vraag eerst een schriftelijke vergelijking aan.
Beantwoord zes vragen en ons team komt bij u terug met een voorselectie, een grove kostenindicatie en de plekken waar u kunt bankieren.
Vragen die we bij elke Malta intake horen.
- How does the 6/7ths refund work?
- The Maltese company pays 35% company tax. When it pays dividends to shareholders living abroad, 6/7ths of that tax is refunded to them, leaving an effective 5% on active trading income.
- How long does an MGA licence take?
- Six to nine months from filing to first-stage approval, plus a technical audit before you go live. Rushing usually means a weaker application and more back-and-forth with the regulator.
- Is Malta on any blacklist?
- Malta was on the FATF grey list from 2021 to 2022 but came off after tightening its anti-money-laundering enforcement. It's a fully compliant EU member state.
More Europe jurisdictions & related insights
United Kingdom
A respected base for trading companies, with the world's widest network of tax treaties.
Isle of Man
Aircraft, yacht and online gaming registrations under familiar British law.
Gibraltar
Licenties voor gaming, crypto en verzekeringen, vlak naast de EU.
Elke opdracht begint met een adviesgesprek van twintig minuten. Voordat het werk start, ontvangt u de prijs schriftelijk. Wij rekenen geen uurtarief.
