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Electronic Money Institution (“EMI”) is defined in the Third Schedule of Financial Institutions Act as “a financial institution that has been licensed in accordance with this Act and authorized to issue electronic money or that holds an equivalent authorization in another country in terms of the Electronic Money Directive to issue electronic money”
| Timeframe | 3 months |
| Capital | €350,000 |
| Accounting Required |  |
| Nominee Required | |
Contact One IBC® now for more information about the Electronic Money Institutions (EMIs).
Get Your License Now E-money institutions fall under the scope of the Financial Institutions Act. In June 2011, Malta changed its domestic e-money institution regulatory framework which resulted in a lowering of the required initial capital from €l million to €350,000. This thus offers the opportunity for newcomers and smaller operators to access the market;
E-money institutions benefit from lower capital requirements in comparison to credit institutions.
Having one of the most advanced telecoms networks in the EU, Malta is also attracting an increasing amount of e-commerce companies;
Companies opting to set up in Malta benefit from lower operational costs such as salaries and office rents, in comparison to most European countries.
EMI’s are licensed to carry out the following activities:
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