Fintech licensing in Malta
In Malta, fintech and crypto licences are issued by the Malta Financial Services Authority (MFSA). The Atlas covers 7 licence types there, in 6 families: bank, crypto-asset service provider (MiCA), electronic money institution, investment firm, payment institution and trust and corporate services. Because Malta is in the EU/EEA, passportable licences issued there can be extended to the other member states by notification. Crypto-asset service providers are authorised under MiCA. Each licence page lists its legal basis, fees and decision period with sources.
Financial regulators in Malta
- Malta
Malta Financial Services Authority (MFSA)
The Malta Financial Services Authority is the single autonomous financial regulator in Malta, entrusted with prudential and conduct supervis
- Malta
Malta Gaming Authority (MGA)
The Malta Gaming Authority is the single regulatory body responsible for the governance and supervision of all land-based and remote gaming
Fintech licences available in Malta
Bank / credit institution
Crypto-asset service provider (MiCA CASP)
Electronic money institution (EMI)
Gaming and betting
- Gaming · Malta
Critical Gaming Supply Licence (B2B Game Providers and Back Office)
MGA
- Gaming · Malta
Gaming Service Licence (B2C Remote Gaming Services)
MGA
- Gaming · Malta
Recognition Notice Certificate
MGA
Investment firm / broker-dealer
Payment institution (PI)
- PI · Malta
Account information service provider registration
MFSA
- PI · Malta
Payment institution licence
MFSA
Trust and corporate service provider (TCSP)
Main laws
- Gaming Act: Cap. 583
Path to market
Start by mapping the activities you plan to offer onto the licence types above; the activity pages show which licence permits each one. MFSA offers pre-application meetings, an innovation hub and a regulatory sandbox; the regulator page explains how to use them. The application goes to MFSA, together with the capital, governance and AML documentation the licence page lists. Once authorised, an EU/EEA licence can be extended to other member states by passport notification rather than a new licence.
Getting licensed in Malta
Protegra handles licensing in Malta end to end: CASP licensing in Malta.
Need this licence, or a different one?
Tell us your business model and target markets. We check the fit before you spend on an application, then handle the licence end to end.
A free preliminary assessment: we check your business model against the licence before you spend on an application. We handle this licence and any other fintech licence, including jurisdictions the Atlas does not cover yet.