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 Lump sum or survivor’s pension

The taxation of the death benefits depends on the beneficiary’s country of residence and the amount of time the deceased had been non UK resident at the date of death.

*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 three Malta QROPS:

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

Sovereign’s Malta QNUPS:

  • Malta QNUPS – The Rinella Retirement Benefit Scheme Click here

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Europe Focus March 2019

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Sovereign Trust (Gibraltar) Limited
Tel: +350 200 76173