Malta Pensions

Why Malta?

The robust regulatory framework provided by the Malta Financial Services Authority (MFSA), coupled with Malta’s full EU member status and established financial services industry, makes Malta an extremely attractive jurisdiction for international pensions.

Malta QROPS at a glance

Investment Options Open architecture
Benefit commencement 55 – 75
Maximum Lump Sum 25%
Malta tax rate applicable to pension* Up to 35%
Death Benefits 100% lump sum or survivor’s pension

The table assumes the QROPS member is non-UK resident and has resided outside of the UK for five complete and consecutive UK tax years.

*Maltese tax will not apply where the pension taxing rights are granted to the member’s country of residence under the terms of a double taxation agreement.


Sovereign offers the choice of two Malta QROPS:

  • Malta QROPS – The Centaurus Retirement Benefit Scheme Click here
  • Malta QROPS – The Centaurus Lite Retirement Benefit Scheme Click here

Sovereign’s Malta QNUPS:

  • Malta QNUPS – The Rinella Retirement Benefit Scheme Click here

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