Calamatta Cuschieri

Calamatta Cuschieri is a Maltese investment and wealth firm with a history that stretches back to the early 1970s, and its head office sits in Birkirkara, in the middle of the island and an easy drive from Valletta, Sliema and Mosta. For UK readers, the simplest way to think of it is as a combination of stockbroker, investment adviser, pensions provider and savings platform under one roof, with a network of four branches across the main population centres.

It has more than 50 years of experience, over 30,000 clients, around 2 billion euro under management and more than 180 employees, which puts it among the largest financial services firms on the island. On VisitMalta.co.uk it appears in our directories of pension advisors in Malta and financial advisors in Malta, and it is a good example of how Malta's regulated financial sector serves ordinary savers as well as institutions.

History and leadership

The story begins in 1967, when Alfred Calamatta joined a London stockbroking firm, and in May 1972 he founded A. Calamatta and Partners in Valletta, specialising in international shares and bonds. Alex Cuschieri joined him in partnership in 1992, the year the Malta Stock Exchange opened, and the two names have been on the door ever since. In 1999 the firm opened offices in Valletta Buildings, and in 2003 it merged its stockbroking arm into Calamatta Cuschieri and Co Ltd.

Later milestones include the launch of a fund services arm in 2009, live online trading on the Malta Stock Exchange in 2016, a new head office in 2017, the Mosta branch in 2018 and round-the-clock customer support the same year. In 2020 the investment services company gained ISO 9001 certification for customer service. Other steps along the way include a major investment in a new IT platform in 2006, a Category 3 licence in 2008, its appointment in 2017 as the Malta representative of UBS funds, and the 2019 acquisition of Financial Planning Services Ltd. Alfred Calamatta, described as a pioneer of Maltese financial services, died in July 2021.

Today the board is led by Alex Cuschieri as Chairman, with Alan Cuschieri and Nick Calamatta as Group Co-CEOs and Michael Galea as Group Chief Operating Officer. Mr Galea has run the company since 2011, holds a banking and finance degree and an MBA from the University of Malta, and previously headed markets and investments at a local wealth management bank. Readers who want wider context on the island's history can browse our guide to Malta.

Investing, trading and savings

The core of the business is investment services. Clients can buy and sell funds, bonds, equities, exchange traded funds and exchange traded commodities, either through a dedicated financial adviser or through the firm's online trading platform, which has won awards and offers fractional shares and ETFs. An in-house research team produces market commentary, company analysis and local market news, and specialised research is free to clients.

Fees are published openly, which is unusual and helpful for a first-time investor. Advisory dealing in equities starts from 0.70 per cent with a typical minimum of €30 per trade on many European exchanges, and custody on stocks is free. Bond dealing on the Malta Stock Exchange starts at 0.30 per cent, while international bonds start at 1 per cent. Fund purchases carry an initial charge of up to 2 per cent, or 0.2 per cent for money market funds. A personal IBAN payment account is free, and outgoing SEPA transfers carry no charge. Third party costs may apply to manual orders, so ask an adviser for the full schedule.

For regular saving, the Monthly Investment Plan lets you start from as low as €50 per month, top up with one-off deposits and track progress online. Interest and dividends are reinvested automatically, and the plan carries an investment fee of 2.0 per cent of the amount deposited with a redemption schedule that falls to no charge after five years. Anyone moving investments from another provider can use the transfer service, which is free for incoming holdings. UK savers new to the market will find our overview of financial services in Malta a useful companion.

Pensions and retirement planning

Pensions are a second major line. The firm arranges lifetime private pension schemes for individuals and lifetime occupational pension schemes for employers who want to offer a retirement benefit to their staff, and it provides a retirement planning calculator so you can see how contributions might build over time. A December 2025 announcement also described a limited offer on private pension plans.

These products sit within Malta's own regulatory and tax framework, so anyone with a UK pension or a future tax residence question should seek tailored advice. Our Malta tax guide for UK nationals explains the basics of how UK residents are treated, and our UK guide to relocating to Malta covers the wider practical side of moving. Nothing on this page is financial advice, and general information of this kind is educational and does not replace personal advice.

Wealth management, insurance and capital markets

The wealth management team offers bespoke portfolios for clients who want their assets protected, grown and managed, and the group announced in July 2025 that its wealth management portfolio had passed 600 million euro. A separate life insurance range covers business loan protection, loan protection plans and whole of life cover, sold under the firm's registration as a tied insurance intermediary.

For companies, the capital markets team helps businesses raise money through bond and equity issues. Its completed projects archive and market announcements reference recent local offers, including a secured bond issue by Agora Estates plc and Malta Government Stocks issues. The wider group also includes Moneybase, a payments and digital banking brand, CC Funds, which runs UCITS funds, and a fund administration business. For a feel for how corporate Malta fits together, read our explainer on Malta's corporate tax structure.

Regulation and community

Calamatta Cuschieri Investment Services Limited, company number C 13729, is licensed by the Malta Financial Services Authority to conduct investment services business under the Investment Services Act, and is also registered as a tied insurance intermediary under the Insurance Distribution Act. Payment services are provided by Moneybase Limited, licensed by the MFSA as a financial institution. Anyone considering an investment should read the firm's disclaimers and risk information first.

The group runs a corporate social responsibility programme and a relaunched CC Foundation, with work in four areas: the workplace, the community, the environment and the marketplace. Past activities include a clean-up at Buskett Gardens for Earth Day in 2018, support for a cancer charity and a collaboration on greener working practices in 2021.

Branches and how to get there

The head office is at the Ewropa Business Centre on Triq Dun Karm in Birkirkara. Further branches are at 252 Hompesch Road in Fgura, at 116A Tower Road in Sliema and at Sunscope Court on Triq il-Fortizza in Mosta. Sliema is the most convenient for visitors staying on the seafront, and our guide to hotels in Sliema lists places to stay a short walk from Tower Road.

Opening hours are the same at every branch: Monday, Wednesday, Thursday and Friday from 8:30 a.m. to 5:00 p.m., Tuesday from 9:00 a.m. to 6:30 p.m., and Saturday by appointment. The team is reachable seven days a week through its contact channels, and customer support runs round the clock. If you are in Malta for a short stay and want to meet an adviser, a Tuesday evening or Saturday appointment can help fit around a holiday. Visitors with spare time can pair a meeting with a day in the capital with our Valletta city guide, where the firm opened its first city offices.

Pick the service you need, whether investments, wealth management, pensions, life insurance or capital markets, and then the branch that suits you. If you would rather start from home, use the VisitMalta.co.uk enquiry form on this page and we will pass your message to the firm.