For Tourists & Visitors

✅ What You Can Do:

• Use international debit/credit cards
• Access ATMs with reasonable fees
• Exchange currency at banks
• Make payments with contactless cards

❌ Limitations:

• Cannot open local bank accounts
• Higher international transaction fees
• Limited access to local banking services
• No credit facilities available

💡 Best Practices:

• Notify your bank before traveling
• Carry backup payment methods
• Use bank ATMs for better rates
• Keep emergency cash on hand

For Residents & Expats

✅ Full Banking Access:

• Open local current and savings accounts
• Apply for credit cards and loans
• Set up direct debits and standing orders
• Access mortgage and investment products

📋 Requirements:

• Valid residence permit or citizenship
• Proof of address in Malta
• Employment contract or income proof
• Initial deposit (varies by bank)

🎯 Next Steps:

• Compare account types and fees
• Gather required documentation
• Book appointment with preferred bank
• Consider multi-currency accounts