Obtaining a Gambling License in Malta

Malta is a pioneer in online gambling, establishing comprehensive digital gaming regulations as early as 2004. It has since become a global iGaming hub, hosting over 300 internationally recognized gaming operators.

The sector is overseen by the Malta Gaming Authority (MGA), a respected independent regulatory body known for its transparency, rigorous compliance standards, and strong consumer protections. An MGA license is more than just permission to operate; it significantly enhances a company’s credibility with banks, investors, and B2B partners, providing access to key markets within the European Economic Area (EEA).

Discover more licensing options in our comprehensive catalog of international gaming licenses.

Advantages of a Malta Gaming License

Obtaining an MGA license isn’t just a legal formality—it’s a strategic business advantage. Malta offers a stable regulatory environment, international recognition, and extensive trust from the industry.

Key Benefits:

• EU Market Access: Malta’s EU membership ensures license recognition across numerous EEA countries.
• Enhanced Trust: Easier collaboration with banks, payment providers, and B2B partners.
• Global Reputation: MGA’s stringent standards establish credibility globally.
• Flexible Licensing System: Comprehensive coverage for both B2C and B2B operations.
• Tax Benefits: Although the formal tax rate is 35%, the tax credit system allows you to reduce the effective burden to approximately 5%.
• Established iGaming Ecosystem: Robust support network including gaming companies, legal services, software, and hosting providers.

Types of Malta Gaming Licenses

Malta Gaming Authority offers four primary license types, covering the complete range of gambling activities from B2C operators to B2B providers:

B2C Operator Licenses:

• Type 1 – RNG-based games: online casinos, slots, lotteries.
• Type 2 – Fixed-odds betting: sports betting, virtual sports.
• Type 3 – Commission-based games: poker, betting exchanges, social gaming.
• Type 4 – Skill-based gaming: fantasy sports and innovative gaming formats.

B2B Supplier Licenses (Critical Gaming Supply License):

Companies providing gaming platforms, RNG software, game content, or hosting services can apply for a dedicated B2B license.

Regulatory Requirements for MGA Licensing

MGA imposes clear, stringent requirements on license applicants to ensure financial stability, security compliance, and responsible gaming adherence:

Corporate Requirements:

• Malta-registered company.
• Local physical presence (office and at least one resident director).
• Transparent ownership structure with detailed disclosures (UBOs, directors, shareholders).
• Minimum capital: €100,000 for a single B2C license, €240,000 for multiple activities.

Financial Compliance:

• Three-year financial forecasts.
• Corporate bank account or approved payment institution.
• Proof of funds’ origin.

Compliance & IT Requirements:

• AML/KYC policies, responsible gaming measures.
• GDPR-compliant data protection.
• Platform documentation, RNG certification, and robust data backup.

Personal Checks:

• Due diligence on directors and UBOs (background, criminal records, industry experience).
• Potential onsite checks or interviews by MGA.

MGA License Application Process

The MGA license application involves structured steps designed for thorough applicant evaluation, typically completed within 12-16 weeks:

Step 1

Preliminary Analysis & Consultation:

Evaluate business models, determine the best-suited license type, and structure the corporate presence in Malta.

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Step 2

Company Registration & Corporate Bank Account:

Establish a Maltese entity with appropriate governance. Bank account setup is conducted simultaneously or sequentially based on banking requirements.

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Step 3

Document Preparation:

Compilation of essential documentation including incorporation documents, comprehensive business plans, AML/KYC procedures, and technical compliance documents.

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Step 4

Application Submission:

Submit the fully prepared application to MGA for initial review.

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Step 5

Due Diligence & Technical Audit:

Detailed verification of financial stability, technical platform compliance, and personal background checks.

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Step 6

License Issuance:

Official MGA license issuance upon successful completion, enabling legal operation under Maltese jurisdiction.

Post-License Compliance: Tax, AML & Technical Requirements

Licensed operators must continuously adhere to MGA’s regulatory standards:

Tax Obligations:

• Gaming tax varies by license type (e.g., Type 1 fixed at €15,000/year, Type 2 at 0.5% GGR, capped).
• Effective corporate tax rate reduced significantly via Malta’s tax refund system.

AML/KYC Compliance:

• Adherence to EU AML Directives (AMLD5/AMLD6).
• Appointment of a dedicated MLRO.
• Regular transaction monitoring and reporting to Malta’s FIAU.

Responsible Gaming:

• Implementation of player self-exclusion systems, spending limits, and active cooperation with responsible gambling entities.

echnical Compliance:

• RNG certification and platform testing by independent laboratories (e.g., GLI, iTech Labs).
• Mandatory robust cybersecurity measures, data backups, SSL encryption, and regular audits.

FAQs About Malta Gaming Licenses

How long does it take to obtain a Malta gaming license?
The process typically takes between 12 and 16 weeks, depending on the readiness of documents, complexity of the business model, and how quickly responses are provided to the regulator’s queries.

Is a local director required?
Yes. The MGA requires licensed companies to have a physical presence in Malta and at least one local director.

What are the minimum capital requirements?
For a single type of activity, a minimum of €100,000 is required. For multiple types, the requirement is €240,000. These funds must be available at the time of application.

Can MGA license crypto casinos?
The MGA considers the use of Virtual Financial Assets (VFAs) on a case-by-case basis. However, crypto operators must comply with strict AML requirements and cooperate with the VFA regulator (MFSA).

What products are covered by the MGA license?
The license can cover online casinos, sports betting, poker, bingo, lotteries, social games, and even fantasy sports — depending on the type of license obtained.

Is the Maltese license recognized in other countries?
Yes. The MGA enjoys a strong international reputation, and many EU jurisdictions recognize it as a proper regulatory body. However, some countries may still require additional local registration.

Malta iGaming Consultant

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