The unprecedented crisis we are currently facing due to the Covid-19 pandemic has effected each and every one of us. The businesses we have represented for decades are the heart and soul of Malta’s economy, through years of hard work and sacrifices by thousands of individuals across Malta and Gozo. As a constituted representative body, we promise we will be doing our utmost effort to safeguard your rights and protect your interests. Only by sticking together through this tough time, will enable us to emerge and rise up again.
Chief Executive Officer
“We will be a strong, decisive voice for all Small & Medium Enterprises throughout this defining moment in history.”
€800 wage supplement for every employee for every business listed as a hard-hit entity in Annex A.
Deferral of Tax & VAT Payments
Financial Reporting Extension
MDB Guarantee Schemes
The MDB Guarantee Scheme provides guarantees to enhance access to bank financing for the working capital requirements of businesses in Malta facing a liquidity shortage as a result of the COVID-19 outbreak.
Malta Enterprise issued a guideline document and an application form to facilitate employers providing teleworking arrangements to their employees who can carry out their work from their residence.
Quarantine Leave Grants
Online applications are now open for the €350 grant to employers for each employee on mandatory quarantine leave. Basic details and the reason for quarantine when filling the application form.
This application may be filled by parents employed in the private sector of Malta, with children under 16 years of age, who are not able to work from home, and who due to the impact of COVID-19, after 8 March 2020 cannot go to work to take care of their children.
This benefit will assist persons with disability employed in the private sector of Malta, who after 8 March 2020 due to the impact of COVID-19 cannot go to work on medical advice and are not able to work from home.
Financial assistance for persons employed in the private sector of Malta, who, due to the impact of COVID-19 are ordered to stay home, are not able to work from home and are not being paid by their employer during their absence from work.
Persons who due to the impact of COVID-19, lose their job in the private sector after 8th March 2020, may apply for this benefit.
Employer Relation FAQs
DIER has publisher a set of FAQs in relation to conditions of work during Covid-19.
Information for Employers in relation Wage supplements, SSC and maternity benefits, FS7/FS3 Reporting.
Frequently Asked Questions
1. What is the NACE Code?
The number beside each type of business is called a NACE code. Every registered business has one. A full list can be found here:
The Nace Code will pop up automatically on inputting the VAT number in the application. Persons who need assistance with changing or identifying a Nace Code that better matches their activity are advised to phone the National Statistics Office (NSO) on 25997000.
2. If you are categorised as ineligible do you have to enter another NACE code?
This is automatically generated
3. The NACE code of our company was listed in Annex A till the 27th of March. With the revision of the 29th this NACE code was removed. When we applied the website showed it under Annex B and the NACE code is not listed under Annex B list neither. What should I do?
Independently of the lists, if you have suffered loss of business you should apply and the point you mention should be included also as a justification of why full wage subsidy should be applicable.
4. Do you recommend we try to change our NACE Codes, if not reflecting primary activity or if it refers to an activity that is no longer carried out? This can be done via the VAT department via E-ID log-ins?
Malta Enterprise have a snapshot of NACE code till the 25th of March therefore it is useless to ask for change now. Having said that, the application still allows you to contest this and to list down that the NACE code does not match the nature of your business. In this regard you will be asked to explain the business activity and justify the suspension in business.
Annex A or Annex B?
1. If a business is in Annex A but still running which section should I choose?
The application does not differ between those still operating. If you fall under Annex A you are entitled for the full supplement.
2. To qualify under Annex B, do you need to prove reduction of business by 25% in the comparable period during previous year? What kind of proof is required?
No, Annex A and B were determined by the Government, if your nace code was not included in either Annex A or Annex B and your business decreased by over 25%, you are automatically assigned to Category “3. Ineligible for Wage Supplement” and make your case to Malta Enterprise. You should make your case with Malta Enterprise as to why you believe your business should qualify for a full or a partial subsidy.
3. Can I still apply for Covid wage measures if my business has had to close down/ affected drastically in lack of sales due to Covid but my business is in neither of both Annex lists?
Same applies as above. If you are not listed in both annexes you are still able to apply and justify your case.
4. What if your business is made up of different sectors including both wholesale and retail but while the wholesale activity is captured under Annex B the retail sector does not seem to be captured by either of annex A and B? Do you look at the 25% reduction holistically?
In such cases you can either submit two separate applications. Alternatively, if your business has been negatively affected on both scenarios, you are to apply for the full week supplement and list your justification.
5. Are Fuel service stations entitled to any assistance?
At the moment no, but you can apply in any case and make your case to Malta Enterprise
6. Under Annex B: What entitlements are there for Part-timers & Casual Workers?
Eur 100 per month if business is based in Malta and Eur 200 per month if business is based in Gozo.
Wage Supplement Application
1. If you have employees who do not have a Maltese ID card what do you put instead of ID card number?
Where an employee has an ID card number, these should be entered as ‘0’, followed by 6 numbers and a letter (in capital) at the end Do not use any spacing. For example, an ID card number 123456M should be entered as 0123456M. ONLY in cases where an employee DOES NOT have an ID card number, enter Tax Number. This should be entered as 9 consecutive digits.
2. If different employees are linked to different distribution channels within the business (eg: wholesale and retail) and these revenue streams have been impacted differently, do you suggest submitting 2 different applications under the wage subsidy with Malta Enterprise?
You should submit an application per VAT number and list the employees according to the company. Separate applications need to be submitted for different case scenarios even though the same VAT / PE number might be used for both applications. If however there is a majorly predominant activity and the overall impact of the separate activity is negligible, one application might suffice.
3. If one section of the business stopped operating on the 9th of March 2020 and another section later, what date shall we write?
Rather than the date when the doors where closed, what matters is when the impact of Covid started to be felt. If there is a big difference between the performance of one section and another, you will need to submit two separate applications including employees in each application depending on the way these were affected.
4. Should I input the data according to the latest records at Jobsplus?
Yes. Should Jobsplus’ records not be up to date, the employer is always advised to update these. Such updates can be made online.
5. Is there a deadline to apply for the supplement?
Not so far.
6. If the business has different distribution channels (say wholesale and retail) that are each directly linked with 1 member of staff – what happens if the particular person is for some reason or other unavailable and that channel is therefore shut down? Would this qualify as partial loss of business?
One can always try providing this justification however it appears to fall outside the remit of the scheme.
7. How do we need to prove that the business has suffered 25% of turnover?
Comparting turnover with same period last year and also with the previous month is a good start. Malta Enterprise can ask to substantiate justifications presented.
1. Full-time self-employed but also have a part-time job with another company with a different vat no – you can only apply for the Euro 800 subsidy – right?
They can apply for the subsidy however the employer employing them on part-time basis will not be able to get it on their behalf.
2. I am self-employed as Part-time – and within this business (PE number and Vat number) I have 4 persons working with me. I am also part of another business (different Vat number and PE number) in which i’m registered as a full-timer. How should I register for my personal wage.
You will need to register for the business where you get your main source of income from.
3. If one is self-employed and the income derived is director fees from the self-employeds’ own company for which the company has a valid VAT number does the section Type of Business be in this case Self-employed or Company?
In this case it would be the company since the self-employment only generates director fees, which they are not eligible for supplement.
4. If a person is full time self-employed, his business had so stop operating, yet is also in receipt of a pension. Does he qualify for the Covid measures? Or does the pension he receives disqualify him?
As per current regulations, since the person receives a pension, he does not qualify for the wage supplement measure.
Employees Eligible for the Wage Supplement
1. Any limit on the amount of employees per Company that can apply for the Wage Supplement scheme?
No, there is no limit, all registered full-time/ part-time employees are eligible for the Wage supplement Scheme, including EU citizens and Third country nationals.
2. If an employee is full-time on very reduced hours?
If the employee is registered as full-time, the employee would still be covered by the Eur 800 flat rate and there can be no variation of this amount.
3. Employees that have children under 16 years and have already applied for the Parent Benefit with Social Security, should we list them too?
No, since each employee may benefit from one scheme only at a time, otherwise this would constitute double funding.
4. If I employ part-timers who have a full-time job elsewhere, do I apply for them?
You should discuss this with your employee, Only, 1 employer should apply. Malta Enterprise will be supporting the employment where the main source of income is coming from.
5. We have an employee who is working her notice period, do we have to include her too?
There is strictly nothing against this. It is in our opinion however cleaner for employees that are on notice not to be included since they will need to be excluded immediately after and this might complement matters with Malta Enterprise.
6. If I employ 10, and ask for full assistance for 8 as 2 will be redundant, is there a possibility that you won’t be eligible?
Employees cannot be made redundant while being supported through a COVID Wage Supplement. It is suggested that when a redundancy decision has been made the relevant employee would not be included on the list of employees to support. This does not mean that no one in your workforce cannot be made redundant, what is important is that the employer notifies Malta Enterprise to ensure that the wage subsidy for that particular employee is stopped.
7. If I have an admin employee still working reduced hours, does this employee apply for wage supplement?
8. A pensioner will not be eligible for any benefit, however the legal notice was issued on 29th March, what will happen between 9th and 29th March? do we need to pay him? even if the person did not work?
Between the 9th and the 29th March you will need to act how you would have normally done without the scheme and according to the employment contract and employment laws.
Bank Loans Moratorium
1. Why has Directive 18 been issued by the Central Bank of Malta?
The COVID-19 outbreak is formally recognised as a serious disturbance to the Maltese economy, which as a consequence also seriously threatens financial stability in Malta.
On 13 April 2020, the Minister responsible for Public Health (‘the Minister’), with the concurrence and in consultation with the Minister for Finance and Financial Services, issued Legal Notice142 of 2020 (LN), which sets a moratorium – in exceptional circumstances – on the credit facilities advanced by credit and financial institutions.
This LN allows a temporary moratorium to be applied by credit and financial institutions on credit facilities, to support economically vulnerable persons who have been materially affected by the exceptional circumstances brought about by COVID-19.
The pandemic is expected to give rise to temporary financial hardship on affected borrowers who will likely face liquidity shortages and difficulties in honouring their financial and other commitments in a timely manner. Such financial difficulties will in turn also impact lenders. This LN delegates legal powers to the Central Bank of Malta to issue a Directive which would specifically regulate this moratorium. In this regard, the Central Bank of Malta has issued Directive 18, following consultation with the Malta Financial Services Authority and the Malta Bankers’ Association.
2. What is a moratorium?
A moratorium is a temporary suspension of a borrower’s repayment obligations. Therefore, borrowers qualifying for this moratorium will be permitted to postpone to a later date their obligations in relation to their capital and/or interest repayments.
3. For how long will this moratorium apply and can it be extended?
The moratorium is initially set for six months from the date on which the borrower submits the relevant application to his/her credit or financial institution. However, the initial six-month moratorium period can be further extended by the Minister responsible for Public Health if deemed necessary.
4. How much time do I have to apply?
Borrowers have until 30 June 2020 to apply. This application period could be extended by the Minister. Credit and financial institutions shall make a decision on the application for the moratorium within 10 working days from the application date. The moratorium comes into effect from the date that the application has been approved.
5. Who is eligible for the moratorium?
The moratorium applies to all retail and non-retail clients of credit and financial institutions, which include:
o Non-financial corporations
o Micro, small and medium, and large enterprises
o Persons in employment
o Persons who were employed before the start of the moratorium period but became unemployed during the period of the moratorium
Furthermore, applicants need to have been regular in their repayment obligations – in other words not have been in arrears – prior to 1 March 2020. Applicants should also not have been offered any suspension unrelated to the COVID-19 outbreak by the credit and financial institution before this date.
Applicants also need to demonstrate to the credit and financial institution that their ability to pay has been materially impacted by the COVID-19 outbreak, in such a way that the borrower cannot adhere to the repayment commitments of the capital and/or interest in part or in full.
6. What types of loans are covered by this Directive?
The definition of a credit facility under the Directive is wide ranging. The following is a list of examples of eligible facilities:
o Business and commercial loans
o Buy-to-let loans
o Personal loans
o Bullet loans
o Bills of exchange (including endorsed pour aval),
o Promissory notes
On the other hand, the Directive excludes credit facilities advanced to other credit or financial institutions.
7. Does the moratorium cover credit card payments?
Credit cards are being excluded from this Directive. Credit cards are a type of revolving credit, meaning that when monthly payments are skipped, the balance drawn would incur more interest in the subsequent months.
8. Do I need to apply for this moratorium and how can I apply in that case?
Yes, if you would like to avail yourself of this moratorium, you have to apply. In other words, this moratorium does not apply automatically. You can contact your credit or financial institution for further details on how to apply for this moratorium, and on what documentation will be required from your end.
9. What form of evidence should I provide with my application to prove that my repaying capacity has been materially impaired?
Your credit or financial institution has its own internal practices and procedures for clients’ assessments. For this reason, it is up to your credit or financial institution to inform you what evidence it needs to process your application. These are typically listed in the application process and may include:
o Payslips for the previous three months
o FS3 forms
o Employment contract
o VAT returns (for businesses)
o Latest financial reporting statements and accounts (for businesses)
o Latest bank statements
o Dismissal letters where applicable
o Order of closure of business and/or operations
10. Will I be subject to any additional charges if I make use of the moratorium?
As stipulated in the Directive, no penalties or restructuring/administrative fees shall apply to successful applicants for this moratorium.
11. How will my payment schedule be affected after the moratorium period?
Your credit or financial institution will be re-computing your repayments schedule to incorporate the accruing capital and/or interest repayment that has been deferred during the moratorium period. You should therefore be aware that the moratorium does not cancel your obligations altogether, but rather it postpones them to a later date.
In practice, your repayment schedule will be extended further in time so that – as far as possible – you will not incur higher monthly repayments after the moratorium period. In case of household or non-commercial loans, such as mortgages or other personal loans, whose term already extends up to retirement age, the deferred repayments due will be spread evenly throughout the remaining term of the loan. This is to limit as much as possible any increase in the modified repayment schedule post-moratorium.
Be aware that the extension of the loan duration may result in a requirement to extend other ancillary services or coverage, such as, for example, the term of the borrower(s)’ life insurance policy. The additional costs related to these required extensions will be borne by the borrower.
12. Can I apply for a moratorium for more than one loan?
You can apply for a moratorium on more than one loan, provided they are in line with the eligibility criteria of the Directive.
13. Can my application be refused?
Yes. This Directive sets out clear eligibility criteria that, if not met, will result in an application being turned down. It is up to the credit or financial institution to assess and decide on your application. On their part, credit and financial institutions have an obligation at law to adhere to the provisions of this Directive and hence safeguard the rights of eligible applicants. The CBM may also impose sanctions on credit and financial institutions that are found to be in breach of the Directive.
14. Can I apply for a temporary reduction in my payment instead of a postponement of the full payment amounts?
Should you wish to do so, you are being given the flexibility to opt for reduced monthly payments during the moratorium instead of postponing the entire amount. Customers may also
opt to keep paying their interest payments. The borrower should note that this option is completely voluntary and the Directive gives those eligible the right to a full deferral of both capital and interest repayments throughout the duration of the moratorium.
15. Several banks have already announced payment reliefs to their customers. What if I am already making use of a moratorium offered by my bank?
If you are already benefitting from a moratorium and you are satisfied with the terms offered, you need not apply again under the terms of this Directive. On the other hand, should you wish to fall in line with the terms set out in the Directive, you may seek a new agreement with your credit or financial institution, and in the event of an agreement, a new application would need to be filed.
16. What if my loan matures during the moratorium period?
Any form of repayment is being postponed until the moratorium is lifted, and this applies also to those loans maturing within the moratorium period. However, as mentioned above, an application has to be submitted by the borrower and accepted by the credit or financial institution.
17. If I apply for a new loan during the moratorium period, will it be subject to the moratorium?
No. The moratorium is only available for loans sanctioned before 1 March 2020. Credit or financial institutions may grant new loans to their customers, but these will be subject to the standard bank policy and procedures and any extraordinary measures taken by Government in this regard.
Wage Supplement Amount & Other Details
1. Part-timers, will be getting €500, even if they earn less usually?
Yes, each part-time employee (if not benefiting through their full-time job) will get EUR500 (minus the employees’ National Insurance which will be paid directly by Malta Enterprise).
This is a flat rate and non-variable amount and applies independently of the number of hours that an employee would be working or usually works. Same goes for casual workers. The employer would need to pay his/her share of the NI when this becomes due.
2. Are the wage subsidy grants taxable?
Employees NI will be deducted and paid by Malta Enterprise. If the Wage Supplement is the only amount being paid to the employee, no tax should be deducted (since the amount is below the tax bracket). Should the amount be added to other payable salary, the normal tax brackets and rates apply.
3. Over how many months will this subsidy be paid?
Not confirmed yet
4. March wages were paid to the employees already. So if we get the full €500 for a part-time do we have to pay the difference in April?
At least, the employee should receive the full wage supplement, minus national insurance. The business will need to assess the sustainability of applying for part-timers since NI will still need to paid on the full amount.
5. If an employee has €1200 gross, only the €400 difference is taxable?
Since the amount is above the tax bracket, the normal tax brackets and rates apply for the gross amount.
Employment Relations & Salary Topups
1. When an employee is redundant, the employer needs to apply for the Eur 800 or the employee?
Employees cannot be made redundant while being supported through a COVID Wage Supplement. If you intend to make the employee redundant, you should not apply for the Wage Supplement and the employee should apply for the unemployment benefit directly.
2. What can I do if i am not in a position to top it up with the €400?
Employer must first seek consent from employees and then authorisation from DIER. You should inform DIER by sending an email to email@example.com.
3. Do I have to get permission from DIER not to pay the €400 top up before submitting this application?
No, you may fill in your application and get permission form DIER afterwards
4. What about reduced hour employees whose wages vary month to month? Do you have to top up their pay?
Depends on what gross pay they would normally be paid in that month, as per employment contract. If this amount exceeds the Eur 800 gross than yes the difference needs to be topped up.
5. What if an employee has a wage plus commission and is making no commission?
Employer’s obligation is only to top up the basic wage. Any statuary bonuses, allowances and commissions are not obligatory.
6. If an employee is declared redundant the wage top up does not apply?
No, the employee should apply for the unemployment benefit
7. If you’re entitled to one day a week, does this mean the employer need to pay the difference amounting to a total of €1,200?
The employer’s obligation is according to the employment contract. Any variation of this needs to be agreed upon with the employee and confirmed by the DIER.
8. If you are ineligible at this stage and dismiss an employee. Can that employee apply for social benefits?
9. Should one also apply for approval by the DIER if there is a verbally-agreed -upon wage cut from the original employment contract?
Yes, and this should be a written agreement explaining any variations from the original contract.
10. Can we put staff on reduced hours rather than terminate their employment as until we get clarity from Malta Enterprise on supplements we can’t afford to pay staff for normal hours?
Yes, you should inform DIER. This can be done in terms of Article 42 of the Employment and Industrial Relations Act.
11. If you reach an agreement with your employees to reduce wages across the board, you need permission from DIER to execute this? Otherwise even if you receive just €160 wage supplement, the employer is still obliged to top up, up to a maximum of €1200?
Yes permission from DIER for wage reduction is always required.
12. How will the FS5 payment for March salaries be paid to Government? Is it in 4 equal monthly instalments?
We have no information on how repayments will be at this point.
13. So the employer is obliged to pay an additional of €400 to an €800 subsidy if the company falls in Annex A; if the company falls under Annex B, is there an amount the company is obliged to pay the employee by law like in Annex A?
Only a Eur 400 is mentioned as obligatory top-up. Independently of the category the company falls in, wages need to be guaranteed, Unless permission is sought from the DIER.
14. Can the difference between the € 800 and the € 1200 be a payment in lieu of accumulated leave?
The difference is due as a wage top-up. That is the current legal obligation. Should the employer not be able to do this, discussions can be held with the DIER.
15. How will the vacation leave deductions work please for those completely closed?
Employer may deduct employee leave as long as the employee is not working, a justification is given and the employee is advised beforehand.
16. How is the leave entitlement being taken into consideration? Is it 2 days per month making it 6 till the end of march or the full allocation till the end of the year?
VL affected till now is any VL carried forward from 2019 and that till March/April 2020. On the other hand there are a number of employers that are still choosing to offering their employees to use the VL till end of year. An employee accumulates 17.33 hours per month of leave.
17. If a business is currently not operating, and cannot telework. Can their accrued leave to date be utilised, since they are not working? They would still be receiving their pay in full of which Eur 800 would be the Covid wage supplement and the remaining amount topped up by the company.
18. Can the employer enforce forced leave?
The employer may decide to resort to ‘forced leave’ (as provided in S.L.452.115) as long as the employer furnishes the employee/s with a written justification explaining why s/he is applying forced leave. The written statement has to be given to the employee/s before the forced leave starts to run.
Implications Arising from Wage Supplement
1. If we have submitted the application as complete suspension of business because the business is closed, but can still perform deliveries, is this still ok or should we stop all deliveries?
No, you may still operate online and make deliveries and you may still be eligible for the Wage Supplement scheme. You are encouraged to maintain business activity and increase it wherever there is this opportunity.
Quarantine Leave & Vulnerable Persons
1. What is quarantine leave?
Quarantine Leave is a form of special leave which has been granted to those who have had to stay in quarantine for 14 days as explained below. It is additional to any other leave entitlement that an employee may avail of (not part of the vacation leave etc) and is to be fully paid by the employer (subject to any Government benefits being available) for a period as ordered by the Superintendent of Public Health.
2. Vulnerable persons e.g pregnant women who are now ordered to stay home. Shall Companies grant unpaid leave and the employee herself ask for social assistance or it must be done by the company?
In such cases, your employee needs to apply for the medical benefit directly with the social security website.
3. If an employee receives a letter informing him that he should not attend to work is the employer liable to pay him. Is the employee entitled to anything?
If the employee can work remotely this option must be sought first. If not the employee will go out on V/L. After the V/L is utilised he will go on unpaid leave. In such cases, your employee needs to apply for the medical benefit directly with the social security website.
4. For how long is the company obliged to pay wages to people who have received a letter from Health Superintendent saying that they are at risk?
A company must first make use of the V/L entitlement. Once this is utilised the employee will go on unpaid leave and the employee applies with social security for the medical benefit directly.
5. If an employee decides to stay home on his own request, is the employer obliged in any way?
No. Standard measures apply.
6. What about employees who are staying home because they live with people who are vulnerable?
Only those certified vulnerable are obliged to stay home and not go to work. Those living with the vulnerable should apply extra caution but should still go to work. The employer is encouraged to discuss with the employee how things can be adapted to help in this difficult situation. From the employer side one should see whether it is possible to assign working from home tasks and from the employee’s side taking extra precautions at home and separate living spaces is advisable. As for the legal obligation of the employer, should the employee decide not to go to work and working remotely is not possible, the employer should put the employee on paid leave pro-rata till the applicable period and from then on unpaid leave.
7. What about the people who are vulnerable but did not receive the government letter?
The eligibility for vulnerable status is in the hands of the superintendent of public health alone.
8. Self-employed person without employees, who had to stop working since he is vulnerable. Should this person apply through Malta Enterprise or through social services? Since we are being told that they should apply through social services. However, the application form is directed to EMPLOYED persons and not self-employed.
Vulnerable person (including self-employed) other than those over 65 who receive a pension from the government are requested to apply for the medical benefit through the social security website.
9. Which employees shall be identified as vulnerable individuals?
The group of individuals which this measure shall apply to are the following: – Persons of 65 years or over; – Pregnant women; – Insulin dependent diabetics; – Immunosuppressed patients; – Patients undergoing any immunosuppressive treatment including but not limited to the use of biological agents and immunomodulators; – Cancer patients undergoing chemotherapy or undergone chemotherapy within the last six (6) months; – Patients on dialysis; – Patients With respiratory problems who are to be/have been admitted to hospital within the last year needed treatment in last year; – Patients with Cardiac problems in last six months; – Patients attending a heart failure clinic; – Patients on oral steroids.
10. The quarantine leave benefit is only applicable to full time employees? What if a parent works on a part time basis?
It’s not applicable for part-time employees.
1. Is there a scheme to help cover commercial rental agreements?
At the moment there is no schemes in place to cover rent expenses, but we’re still working on it. We encourage our members to discuss this issue with their landlords and try to come to an agreement. Other possible options would be to see if any clauses such as force majeure are applicable in these circumstances. Members encountering specific problems in this regard should get in touch directly.
Numbers & Helplines
For those who experience symptoms of COVID-19 or those who require further information
For those who require information about the measures of the financial package which are administered by Malta Enterprise
For those who require information about the measures of the financial package which are administered by the Department of Social Security
For employees to ask about wages and employment conditions
For employers to ask about wages and employment conditions
For those who are feeling lonely.
For those who work in the gaming industry.
For hoteliers and tourists who have queries about the announced measures
For those in mandatory quarantine who require food and medical provisions
For elderly people without means of assistance who require medicine, ready meals, or food products (fruit and vegetables).
To report breaches of regulations regarding public health and Covid-19 to the Police
For Maltese residents who are stranded in another country and wish to return to Malta
Become a Member
Malta Chamber of SMEs
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