Moneybase

CCTrader was the online investing platform launched in 2011 by Calamatta Cuschieri, the Maltese financial services group, and it now sits within Moneybase, the group's combined payments and investment app. Moneybase offers Maltese IBAN accounts, Mastercard cards, foreign exchange and online trading on more than 40 exchanges, and it is run by Calamatta Cuschieri Moneybase plc from an office in Birkirkara. For UK readers moving to or investing in Malta, it is a local, MFSA-regulated way to bank, spend and invest in one place.

On VisitMalta.co.uk the business appears in our directory of financial advisors in Malta. This page describes what the platform offers and does not give investment advice. The value of investments can fall as well as rise, so consider your own circumstances and take advice where you need it.

From CCTrader to Moneybase

The group traces its roots to 1971, when Calamatta Cuschieri pioneered the Maltese financial services industry, and it is the largest independent financial services firm in Malta. CCTrader began in 2011 with the aim of making online investing easy and cost-effective across devices, and it became a household name in Malta. Moneybase extends that idea into a one-stop digital platform for payments and investments, with customer service available seven days a week by phone and live chat.

The wider group also covers capital raising, wealth management, fund administration and its own UCITS funds, so the platform sits inside a larger financial ecosystem. Our guide to the Malta financial services sector explains how firms like this fit into the island's economy.

Accounts, cards and payments

A Moneybase account opens from a phone in a few minutes and is available to anyone aged 16 or over. Personal, joint and student accounts are offered. Every new customer starts on the free Starter plan, which includes a euro IBAN, free incoming SEPA transfers, a free virtual card, a multi-currency wallet and cash withdrawals at ATMs, with a contactless Mastercard that can be ordered. Paid plans exist for people who want more perks, and the pricing page compares them.

Payments reach 189 countries in 24 currencies, and salary can be received through a Maltese IBAN. Cards work with Apple Pay, Garmin Pay and Xiaomi Pay, and security settings such as card blocking and geolocation sit in the app. Payment services are provided by Moneybase Ltd, which is licensed by the MFSA as a financial institution. If you are planning a move, our Malta relocation guide puts banking in the context of the other steps, and the digital nomad guide to Malta is useful for anyone paid in several currencies. Visitors who simply want a card for spending on the island can read our Malta holidays overview.

Investing on the platform

Investment services are provided by Calamatta Cuschieri Investment Services Ltd, which is licensed by the MFSA, and the investments on the platform are covered by the investor compensation scheme. Clients' funds and assets are held separately from the company's own. Customers can reach more than 20,000 instruments across over 40 exchanges, including stocks, ETFs, funds, bonds, cash funds and Malta Government Stocks, with fractional shares, extended-hours trading, watch lists, price alerts and charting tools.

A distinctive feature is live trading on the Malta Stock Exchange, where Moneybase offers shareholder services such as access to annual general meetings and proxy voting for local nominee clients. The first two trades a month on major US exchanges are free, there are no custody fees, and cash funds and IPOs carry no minimum amount. UK investors comparing structures may find our Malta tax guide for UK nationals a helpful companion, since consolidated statements here include income reports and tax certificates.

Moneybase Club and moving a portfolio

Moneybase Club is a rewards tier with Select, Premier and Elite levels, linked to account balances. The platform also invites people to transfer an existing local or international portfolio, including ETFs, cash funds, treasury bills and other eligible holdings. The aim is a single statement showing valuations, income, gains and losses and tax certificates, with transfer incentives for qualifying club members under published offer terms. Eligible assets and fees depend on the holding, so ask before you move anything.

Business accounts

Moneybase also serves companies. Business customers can be onboarded within 48 hours, can use corporate cards and an overview of liquidity tools, and can connect their accounts to Xero accounting software. Directors weighing a Maltese company structure will find background in our Malta corporate tax structure guide.

Branches, support and getting started

The Birkirkara office is at Ewropa Business Centre on Triq Dun Karm. Support runs Monday to Friday from 08:00 to 22:00 and on Saturday and Sunday from 08:30 to 20:00, through in-app chat or phone. In-person representatives are also available at branches in Fgura, Mosta, Sliema and Birkirkara. If you are staying in the Sliema area, see our hotels in Sliema guide, and our about Malta overview gives general orientation.

To ask about accounts, investing or business services, use the VisitMalta.co.uk enquiry form on this page and we will pass your message to the business.