Best Cryptocurrency Exchanges in Malta (2025)

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Malta has firmly established itself as a forward-thinking, crypto-friendly nation—earning the nickname "Blockchain Island" for its progressive stance on digital assets. With clear regulatory frameworks, strong institutional support, and widespread adoption of blockchain technology, it's no surprise that Maltese residents and international investors alike are looking for the best cryptocurrency exchanges in Malta. This guide explores top platforms that support EUR deposits, SEPA transfers, and user-friendly onboarding—perfect for both beginners and experienced traders.

Why Malta Is a Crypto-Friendly Hub

Cryptocurrency is fully legal in Malta, thanks to a comprehensive regulatory environment overseen by the Malta Financial Services Authority (MFSA). In 2018, Malta introduced three landmark laws to regulate blockchain and crypto activities:

These regulations provide clarity for crypto businesses, ensure investor protection, and promote market integrity—making Malta one of Europe’s most attractive jurisdictions for blockchain innovation.

👉 Discover how top exchanges align with Malta’s strict regulatory standards.

Top Cryptocurrency Exchanges in Malta

When choosing a crypto exchange in Malta, key factors include supported coins, trading fees, deposit methods (especially SEPA and credit cards), KYC requirements, security, and EUR pairing availability. Below is an overview of the leading platforms serving Maltese users.

1. Bybit

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Bybit stands out as one of the most advanced crypto exchanges, offering spot, futures, options, NFTs, and even Bitcoin ordinals trading. It's especially popular among active traders due to its deep liquidity and sophisticated tools.

The platform supports over 500 cryptocurrencies in spot trading with up to 10x margin, while futures traders enjoy up to 100x leverage across more than 320 perpetual contracts. Fees are highly competitive: as low as 0.02% maker and 0.055% taker for futures.

Bybit also offers copy trading—allowing users to mirror successful traders automatically—making it ideal for those seeking passive income strategies.

👉 Start copy trading on a platform built for performance and precision.

2. Kraken

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Kraken is an excellent choice for newcomers. With over 10 million global users, it combines simplicity with robust security and full compliance with EU regulations.

Users can trade more than 220 cryptocurrencies using EUR via bank transfer or card. Kraken supports up to 50x leverage on select assets like BTC and offers a free simulation mode to practice trading without risk.

While spot fees are relatively high (0.25% maker / 0.4% taker), futures fees are among the lowest at 0.02% maker / 0.05% taker, making Kraken appealing for derivatives traders.

Its strong regulatory standing under MFSA guidelines makes it a trusted option for Maltese investors.

3. Uphold

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Uphold is ideal for beginners who want a simple way to buy and hold crypto. What sets it apart is its cross-asset exchange feature—users can directly swap BTC for gold or USD without converting through fiat.

Though transaction fees are higher than average, Uphold provides strong security and regulatory compliance. Its staking program allows users to earn passive income on holdings like ETH or SOL.

While not suited for day traders, Uphold excels as a gateway for new investors entering the crypto space.

4. Gate.io

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Gate.io is a powerhouse for altcoin enthusiasts. Founded in 2013, it serves millions across 130+ countries and offers spot, futures, DeFi, lending, and NFT services.

With over 2,256 coins listed, it’s one of the most diverse exchanges globally—perfect for discovering emerging projects early.

Fees are competitive in derivatives (0.02% maker / 0.05% taker) but steep in spot markets. Despite a steeper learning curve, its wide range of tools appeals to seasoned traders.

5. Binance

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Binance dominates the global market with unmatched scale and product depth. From automated bots to NFT marketplaces, it offers everything a crypto enthusiast could need.

Spot fees start at 0.1%, while futures remain highly competitive at 0.02% maker / 0.05% taker.

Despite regulatory challenges in parts of Europe, Binance remains accessible in Malta with EUR support via SEPA and cards.

Is Cryptocurrency Legal in Malta?

Yes—cryptocurrency is fully legal in Malta. The country was one of the first in Europe to implement a clear legal framework for digital assets through the Virtual Financial Assets Act (VFAA). This law regulates ICOs, exchanges, wallet providers, and other crypto-related services under MFSA supervision.

All major exchanges operating in Malta comply with KYC and AML requirements, ensuring transparency and investor safety.

Does Malta Tax Cryptocurrency?

Malta does not have a specific crypto tax law, but existing tax principles apply:

Always consult a qualified tax advisor for personalized guidance.

How to Buy Crypto in Malta – Step-by-Step

  1. Choose a Regulated Exchange – Pick one supporting EUR deposits (SEPA/card) and compliant with MFSA rules.
  2. Register & Complete KYC – Provide ID and proof of address.
  3. Deposit Funds – Use SEPA transfer (fast & low-cost) or credit/debit card.
  4. Select Your Crypto – Buy BTC, ETH, USDT, or other altcoins.
  5. Execute Trade – Use market or limit orders.
  6. Secure Your Assets – Transfer large amounts to a hardware wallet.

Best Crypto Wallets for Maltese Users

For long-term storage:

For daily use:

Always enable 2FA, back up recovery phrases offline, and download apps only from official sources.

Frequently Asked Questions (FAQ)

Q: Are crypto exchanges safe in Malta?
A: Yes—reputable exchanges follow MFSA regulations, implement KYC/AML checks, and use cold storage and insurance to protect user funds.

Q: Can I use SEPA transfers to buy crypto in Malta?
A: Absolutely. Most top exchanges like Kraken, Binance, and Bybit support fast and low-cost SEPA bank transfers in EUR.

Q: Which exchange has the lowest fees in Malta?
A: Bybit and Binance offer some of the lowest trading fees—especially in futures—with makers paying as little as 0.02%.

Q: Do I need to pay tax when I sell crypto in Malta?
A: Possibly. If gains are considered income (e.g., frequent trading), they may be taxed up to 35%. Capital gains from long-term holding are generally treated more favorably.

Q: Can I stake crypto in Malta?
A: Yes—platforms like Uphold and Binance allow staking with rewards up to 13%, subject to terms and market conditions.

Q: What’s the easiest way for beginners to start?
A: Start with Kraken or Uphold—both offer intuitive interfaces, EUR support, and educational resources.

Final Thoughts

For Maltese investors seeking reliable access to digital assets, Bybit and Kraken stand out as top choices. Bybit delivers cutting-edge tools and low costs for active traders, while Kraken offers simplicity, security, and regulatory trust—ideal for newcomers.

With Malta’s strong legal foundation and growing crypto ecosystem, now is an excellent time to explore these platforms and take control of your financial future.

👉 Begin your journey on a secure, high-performance exchange trusted worldwide.