Malta is internationally recognised as a jurisdiction providing excellence in financial services and enjoys an extensive network of double tax agreements with more than seventy countries.



Malta is situated at the strategic heart of the Mediterranean within easy reach of Europe, Africa, the Middle East, and Asia. It is an independent republic, a full member of the Commonwealth and the European Union, including the Eurozone, and has its own combined civil and common law-based system while also being subject to all EU Directives.
Malta is internationally recognised as a jurisdiction providing excellence in financial services. It offers an attractive cost and tax-efficient base for clients looking for an EU-compliant, yet flexible, domicile. It has its own efficient taxation regime and enjoys an extensive network of double-taxation agreements with more than seventy countries from Australia to the USA. Malta is a corner-stone of efficient structuring options for our EU and world-wide clients and offers itself as an excellent jurisdiction for companies and individuals seeking to protect their wealth.



If you would like further details on our products or services, please contact us on the details below:

STM Malta Pension Services Limited

San Gwakkin Building
Level 1
Triq is-Salib tal-Imriehel
Zone 4
Central Business District
Birkirkara, CBD4020

Tel: 00356 213 33210

STM Malta Pension Services Limited is registered as a Retirement Scheme Administrator with the Malta Financial Services Authority.



Attracting and retaining high calibre staff is a huge challenge for employers. Providing access to an occupational pension arrangement for employees is a key tool in any employee benefit package, demonstrating employer’s long-term commitment to staff and their families.

With state pension provision constantly evolving, many employees are recognising the value of an employer who helps them to plan and save for a sustainable income in their retirement.

STM Malta’s workplace pension solution provides excellent support to employers who want to invest in a long-term relationship with employees and benefit from the loyalty and commitment that this brings to your business.

Furthermore, both employers and employees can benefit from:

Simple set-up and admin
Great value for money
Tax incentives introduced by the Maltese Government for Voluntary Occupational Pension Schemes (VOPS)

The STM Malta Employee Incentive Plan (THE PLAN) is a flexible and tax efficient method of providing long-term benefits to staff which are aligned with the company’s business objectives.

The Plan allows the company to establish a segregated pool of assets which can be paid to staff at some future time, when certain conditions have been fulfilled. The assets are held by an independent trustee (STM Malta) who keeps them separate from the business assets, so that employees entitled to benefit know that the assets have been set aside and do not form part of the company’s working capital.

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With a number of QROPS providers to choose from, clients and their advisers need to ensure they choose an established, quality service provider with the commitment and longevity to administer funds for the entire term of the pension. As a company listed on the London Stock Exchange, and with schemes in the key jurisdictions of Malta and Gibraltar, STM are world leaders in the field of pensions.

STM provide pension solutions to companies and individuals resident in Malta and to internationally-mobile individuals through STM Malta Pension Services Limited.

One of the more recent newcomers to the QROPS arena and, with the added benefit of being a member of the EU, Malta has a wide number of double-taxation agreements, coupled with a sound financial services framework, good corporate governance, and solid regulation.

VAT is not applicable to Trustee services in Malta. Withholding tax of up to 35% is levied on countries that either have no DTA or a limited/remittance-based agreement. Up to 25% pension commencement lump-sum can be taken from age 55 from UK transferred funds. Further information can be obtained upon request.

We provide a complete pension transfer solution for both EU and non-EU residents alike, making the most of over 70 double-taxation agreements Malta has in place with other countries.

Our range of products available from Malta include:

Packaged QROPS products utilising our own in-house life assurance company (STM Life)
QNUPS – available to UK or non-UK residents
EURBS – available in other EU countries
US QROPS for those resident in the United States
US Expat Plan
Occupational Pension Schemes within Malta

We employ numerous technical specialists and invest in product development to ensure the delivery of innovative and global solutions to both clients and intermediary partners.


For individuals with an Irish occupational pension scheme, who no longer live in Ireland, there may be advantages gained by transferring their pension fund to the STM Protected Retirement Plan in Malta.


Select your own retirement age between 50 and 75
Take an initial lump sum of up to 30% of pension plan value
Decide from a variety of income drawdown options on retirement, e.g. fund annuity plus additional lump sums from larger funds
Request pension payments in local currency where you live
No requirement to purchase annuity on retirement


Use your preferred investment manager and adviser
Access a wide range of investment opportunities
Invest in the currency of your choice


No Maltese taxes on income or gains within your pension fund. Tax advice required for country where investments are located
On pension payments to you, tax in your country of residence to be considered. Consult any relevant Double Tax Agreement
No Irish income tax or Irish universal social charge deducted at source on pension payments to you
No death taxes in Malta or Ireland on your fund, although Irish Capital Acquisitions Tax may apply if your beneficiary is resident in Ireland. Death / Inheritance tax may apply in the country of residence of your beneficiary


Be a member of an Irish occupational pension scheme with a transferable preserved benefit where the qualifying service in employment relating to the scheme exceeded two years and terminated (otherwise than on death) before normal pensionable date
Wish to transfer that pension for bona fide reasons (e.g. retiring overseas and want to consolidate pensions) and not for the purpose of circumventing Irish pension rules and conditions
Be tax resident outside Ireland and intend to remain outside Ireland
Have no intention to retire in Ireland


Please request information on our simple 3-step application process and how your clients could benefit from transferring their Irish occupational pension into the STM Malta’s EURBS.

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STM Malta has a number of internal policies regarding governance. The majority of the Firm’s business involves member directed investment portfolios. Given the relatively small size of each investment portfolio, it is not practical to incorporate sustainability risk into the consideration of investment transactions. However, we support any initiative by individual clients to take account of Sustainability Risk in their personal investment policy agreed with their adviser. We will require all new client investment advice mandates consider Sustainability Risk.


The STM Malta Occupational Retirement Scheme is currently too small for Sustainability Risk to have a material impact on the scheme. At the present time, the investment policy requires that all investments issue Sustainability Risk information. As the fund grows, STM Malta will consider further whether the scheme should take a more active position regarding Sustainability Risk in its investment decision process.
Given that Sustainability Risk is not a factor in the investment decision process, the remuneration policy places no requirements in this regard on key employees.




Workplace Pension, SIPP, Sharia SIPP, SSAS, QROPS & QNUPS, Portfolio Bond, Annuities.
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