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Common Problems Faced by Expats in Malta

Updated at May 28, 2025 | by Admin

Malta’s stunning beaches, a thriving job market, and a welcoming community make it a top destination for expats. However, relocating to a new country comes with its own set of challenges. Whether you're moving for work, lifestyle, or adventure, being prepared can make all the difference.

Below, we outline the most common problems expats face in Malta.

Opening a Bank Account: Don’t Delay It

One of the first steps to settling in Malta is setting up a local bank account. Setting up a bank account in Malta can be a lengthy process, often taking weeks or even months. To avoid delays, schedule an appointment with one of Malta’s major banks—Bank of Valletta (BOV), HSBC, APS, or Banif—as soon as you arrive. Required documents typically include:

  • Proof of address (rental contract or utility bill)
  • Valid passport or ID
  • Employment contract or proof of income

Tip: 

While waiting for your local account, consider using digital banking alternatives like Revolut, Wise, or N26 for day-to-day transactions.

Before you can start working in Malta, you must have the correct legal documentation. The requirements vary depending on your nationality:

For EU Nationals (except Croatians)

  • EU citizens can work in Malta without a permit.
  • Register for a Maltese ID card (e-Residence card) within three months of arrival.

For Non-EU Nationals

  • A work permit (employment license) is mandatory.
  • Employer usually initiates the application, which requires:
    • Job offer letter
    • Proof of qualifications
    • Clean criminal record

Additional Requirement for Everyone

Apply for a Social Security Number (National Insurance Number)—this is necessary to access health services, tax and social security contributions. You can apply online through the Social Security Department website.

Finding Affordable Housing: Look Beyond Tourist Hotspots

Malta’s property market has grown significantly in recent years, and this has driven up rent and home prices—particularly in central and touristic areas.

  • Avoid high-cost zones like Sliema, St. Julian’s, and Gzira if budget is a concern.
  • Look into well-connected but quieter towns like Zabbar, Paola, Mqabba, or Zejtun for more affordable options.
  • Long-term rentals often require a security deposit (usually 1-2 months' rent) and the first month’s rent in advance. Always request a written contract.

Tip: 

Always inspect the property in person and clarify utility bills (some landlords include them, others don’t).

Accessing Healthcare

Malta offers high-quality healthcare through both public and private sectors. Here’s how to access medical services:

Public Healthcare

  • Free or low-cost for residents who pay social security contributions.
  • Health centers and the main public hospital—Mater Dei Hospital—offer a wide range of services.
  • Gozo has its own public hospital as well.

Private Healthcare

  • Private clinics (e.g., St. James Hospital, Da Vinci Hospital) offer quicker appointments.
  • Expats from non-EU countries should consider private health insurance for comprehensive coverage.

Pharmacies: 

Many offer walk-in doctor consultations for minor ailments.

Health Insurance

  • Non-EU residents are typically required to have private health insurance when applying for a visa or work permit.
  • EU nationals should carry a European Health Insurance Card (EHIC) until they become residents.

Integrating Into Local Life: Building Connections

English is widely spoken in every part of the Island which makes it easy for expats to connect with locals.

  • Attend village festas (summer festivals)—great for meeting locals and experiencing Maltese culture.
  • Join expat groups (e.g., Internations, Meetup) or hobby clubs (sailing, hiking, language exchanges).
  • Learn basic Maltese phrases—even a simple "Mela!" (Alright!) can spark conversations.