Malta is a tiny island, but many of the companies based here trade far beyond it. With an EU licence, the euro and English as a working language, a Maltese base gives businesses a direct line to customers across Europe and the wider world. Here are six fintechs that chose Malta as home and built businesses that reach well past its shores, each in its own way. 1. Moneybase Moneybase brought payments and investing together in one app for people in Malta. The market noticed quickly. In its very first year it won Best Financial Institution at the Malta Business Awards, and a few months later it picked up Best App at the Tech.mt e-Business Awards. 2. PayDo PayDo works the way its clients do: across borders. It serves more than 1,000 businesses in 150+ countries, and its founder and CEO Serhii Zakharov has spent the past year on stages from Amsterdam and Rome to London and Dubai. For its EU home, the company settled in Malta, where PayDo EU Ltd is authorised by the MFSA. The idea behind PayDo is simple: one contract and one integration instead of a long list of payment providers. In 2026 that idea earned shortlist places at the PayTech Awards and the Open Banking Expo Awards, and Serhii received the Excellence in Financial Leadership Award at FinTech Week Dubai. See also: Why Experience Matters in Commercial Roof Installation 3. Multitude Bank Multitude Bank runs digital lending and savings for customers across Europe from its office in Gzira. In 2024 its listed parent group moved its headquarters from Finland to Malta, a clear sign of trust in the island as a place to build a bank. 4. Zastrpay Zastrpay, founded in 2020, works on something most fintechs have forgotten about: cash. It helps people in Germany and Austria who prefer paying in cash to use it for online purchases. In just a few years it has joined the Prepaid Association of Germany and The Payments Association EU.…
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