The Malta Individual Investor Programme is the first of its kind to have had its validity officially recognised by the European Commission.

Citizenship by Investment

The Malta Individual Investor Programme (“The Programme”) is designed to facilitate (after a rigorous due diligence exercise) the grant of Maltese citizenship to foreign High Net Worth Individuals and their families who are of a reputable standing (including, unlike some other programmes, the parents and grandparents of the main applicant and the spouse, as well as the children of either spouse). The principal investment required under the Programme – now well tried and tested – takes the form of a monetary contribution to the National Development and Social Fund established by the Government of Malta for the purpose of bringing about qualitative improvements in Malta through public interest, social and capital projects.

Since Malta is a member of the European Union and part of the Schengen Area, non-EU applicants who successfully acquire citizenship under the Programme benefit from significantly-improved mobility within the member states of the EU and the European Free Trade Association. They are also able to avail themselves of visa-free travel to more than 160 countries, including the United States of America, Canada and the United Kingdom. Besides giving successful applicants an unrestricted right to live and work within all the member states of the EU, the acquisition of Maltese citizenship has no tax implications.

Restricted Number of Admissions

The number of successful main applicants under the Programme is limited to 1,800 only. The take-up so far has been very encouraging and exceeded expectations.

Applications and Accredited Persons

Our wholly-owned affiliate, Ganado Trustees & Fiduciaries Limited, has been approved and licensed as an Accredited Person by Identity Malta Agency (the official agency of the Government of Malta for citizenship, passports and acts of civil status). Ganado Trustees & Fiduciaries Limited is authorised to submit applications under the Programme and to promote and market it in accordance with the Individual Investor Programme of the Republic of Malta Regulations, 2014 (“Regulations”), together with the procedural guidelines issued from time to time by Identity Malta Agency.


In order to qualify for citizenship under the Programme, the main applicant must fulfil the following criteria:

  • be at least 18 years of age
  • meet the application requirements outlined in the Regulations
  • provide proof of residence in Malta for a period of 12 months preceding the day of issuance of the certificate of naturalisation
  • provide proof that the main applicant and his dependants are covered by a global health insurance policy of at least EUR 50,000 per person per annum and are capable of maintaining such cover indefinitely

Contribution and Investment Requirements

The main applicant must also satisfy the following contribution and investment requirements:

  1. make a contribution of EUR 650,000 to the National Development and Social Fund
  2. purchase a residential property in Malta with a minimum value of EUR 350,000 or lease residential property in Malta for a minimum annual rent of EUR 16,000, subject to the obligation respectively of not selling or not terminating the lease for at least 5 years
  3. invest in stocks, bonds or other investment vehicles worth a minimum of EUR 150,000 as may be identified from time to time by Identity Malta Agency, such investment to be held for at least 5 years

The table below outlines the contribution to be made under the Programme to the National Development and Social Fund and the due diligence and other fees due to Identity Malta Agency for the main applicant and dependants.

Table of Contributions and Fees

Contribution to the National Development and Social Fund (payable on approval of application)
Main Applicant EUR 650,000
Spouse EUR 25,000
Each Dependant child aged 0-17 EUR 25,000
Each Dependant child aged 18-26 EUR 50,000
Each Dependant aged 55 or above EUR 50,000

Due diligence fees (payable on submission of application)
Main Applicant EUR 7,500
Spouse EUR 5,000
Each Dependant Child aged 0-12 Nil
Each Dependant Child aged 13-17 EUR 3,000
Each Dependant Child aged 18-26 EUR 5,000
Each Dependant aged 55 or above EUR 5,000

Identity Malta Agency fees
Passport Fees (per person) EUR 500
Bank Charges (per application) EUR 200


Due Diligence

Applicants and their dependants are subject to a thorough due diligence process aimed at establishing that they are fit and proper persons to hold Maltese citizenship and are not otherwise ineligible for any of the causes set out in the Regulations. Though not mandatory, Identity Malta Agency retains the right to request personal interviews.


The names of all persons acquiring Maltese citizenship during the previous 12 month period – whether by registration, naturalisation or under the Programme – are published once annually in the Malta Government Gazette. Therefore, for reasons of confidentiality, the names of persons acquiring Maltese citizenship under the Programme are not singled out.

Please click here to request a copy of our brochure.