Revolut in Malta Gets MiCA Authorisation – A Digital Finance Upgrade

Revolut in Malta has become part of everyday life . More than 250,000 residents now use the app for payments, savings, and transfers, showing how quickly the country has embraced digital banking.

What began as a travel card is now a fully licensed European digital bank, regulated by the Bank of Lithuania and recognised across all EU member states. For Maltese users, this means they can manage their money, send payments, and even invest directly from their phones, without visiting a branch.

From paying rent or utilities to transferring money abroad or splitting a dinner bill, Revolut is reshaping how people handle daily finances in Malta. Its intuitive design and transparent fees make it especially popular among expats, freelancers, and young professionals who prefer quick and paperless banking.

What MiCA Authorisation Means for Malta

Revolut’s MiCA, Markets in Crypto-Assets, authorisation allows it to operate legally across the EU as a crypto-asset service provider.
Its European entity, Revolut Digital Assets Europe Ltd, is licensed by the Cyprus Securities and Exchange Commission, CySEC, making Revolut one of the first financial institutions in Europe approved under this new framework.

This authorisation enables Revolut to:

• Run a regulated crypto trading platform, Revolut X
• Offer custody and safekeeping of digital assets
• Provide staking and exchange services within the EU

For Malta, this means residents can trade and manage crypto securely through a single, EU-regulated platform. It is a significant step toward consistent consumer protection for digital assets.

Crypto and Investments: Safely Integrated

Revolut’s crypto services have become a key part of its success in Malta, especially since gaining MiCA authorisation.
Über Revolut X, users can buy, sell, and hold leading cryptocurrencies such as Bitcoin, Ethereum, and Solana directly within the app. All crypto transactions are executed under EU-compliant custody rules, ensuring that assets are protected and properly segregated from company funds.

Unlike self-custody wallets, where users bear full responsibility for managing their private keys, Revolut follows a custodial model under CySEC supervision. This means client assets are stored securely and are protected under strict EU financial safeguards, including capital adequacy, liquidity management, and anti-money laundering oversight.

For Maltese users, this provides a more regulated and reliable way to participate in the crypto economy — particularly as MiCA introduces uniform consumer rights und information disclosure obligations across all EU member states. Users can now trade and invest in digital assets with the same confidence they expect from a licensed bank.

Revolut also offers exposure to stocks, ETFs, and commodities, allowing Maltese residents to diversify their portfolios within a single, integrated app.

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Why MiCA Changes the Game for Users in Malta

Before MiCA, crypto regulation was fragmented across Europe. Revolut’s authorisation under this framework means Maltese users can expect the same level of protection and clarity as with standard banking services.
This move also strengthens Malta’s position as an early adopter of blockchain regulation, supporting the island’s long-term vision as a fintech and digital innovation hub.

Revolut in Malta: Everyday Banking and Key Facts

Opening a Revolut account in Malta takes only a few minutes. Users verify their identity online and instantly access a full range of modern banking tools:

• Multi-currency accounts, including EUR, GBP, USD and more
• SEPA and SWIFT transfers
• Physical and virtual contactless cards
• Real-time spending insights and budgeting tools
• Salary deposits and shared accounts
• Peer-to-peer transfers using phone numbers

Revolut’s peer-to-peer payment option is especially popular in Malta, where small daily payments, such as splitting lunch bills, taxi fares, or utility costs, can be sent directly between contacts using just a phone number. This convenience has helped make Revolut one of the most widely used financial apps on the islands.

Revolut’s flexibility fits seamlessly into daily life across Malta and Gozo. You can pay rent, receive your salary, or manage subscriptions, all from one app. For remote workers or anyone juggling multiple currencies, Revolut replaces traditional branch banking with a faster, simpler alternative.

Revolut’s popularity in Malta continues to grow each year. The following summary outlines its main features, licensing information, and protections available to Maltese users.

Revolut Business

Revolut also serves Malta’s business community through Business accounts, providing modern tools for startups and SMEs.
Key features include:

• Multi-currency corporate wallets
• Payroll management for international teams
• Accounting integrations and expense tracking
• Instant settlements within the EU

For businesses operating between Malta, the EU, and the UK, Revolut Business simplifies cash flow management while maintaining full compliance with EU financial rules. This supports Malta’s broader economic landscape, particularly in the digital, iGaming, and service sectors, where efficiency and regulatory reliability are essential.

Abschließende Überlegungen

Revolut’s MiCA authorisation connects traditional banking and modern digital finance in one secure environment. For Malta, it is another step toward accessible, compliant, and forward-looking financial services.

With more than a quarter of the population already using Revolut, the platform is not just convenient, it is redefining how people in Malta manage money in a digital era.

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