SEPA Instant banks in Malta
Institutions in Malta registered for SEPA Instant according to the official EPC register, with BIC and joining date.
Malta is in the euro area. Under Regulation (EU) 2024/886, its banks must be able to receive instant euro transfers since 9 January 2025 and send them since 9 October 2025. Payment and e-money institutions have until 9 April 2027.
| Institution | BIC | City | SEPA Instant |
|---|---|---|---|
| ALPHA FX EUROPE LIMITED | APAHMTMAXXX | Valletta | 5 October 2026 |
| Alunafi Ltd | ALUNMTM2XXX | Birkirkara | 8 July 2025 |
| Andaria Financial Services Limited | ANFVMTMMXXX | Santa Venera | 4 May 2026 |
| APS BANK plc. | APSBMTMTXXX | BIRKIRKARA | 2 December 2024 |
| BANK OF VALLETTA P.L.C. | VALLMTMTXXX | ST. VENERA | 2 December 2024 |
| BNF Bank plc | BNIFMTMTXXX | GZIRA | 9 January 2025 |
| CENTRAL BANK OF MALTA | MALTMTMTXXX | VALLETTA | 6 January 2025 |
| ECCM BANK PLC | ECMBMTMTXXX | Sliema | 7 April 2026 |
| FIMBank p.l.c. | FIMBMTM3XXX | SLIEMA | 9 January 2025 |
| Finance Incorporated Limited | PYMXMTMTXXX | San Gwann | 12 December 2022 |
| Finby Finance Limited | FNFIMTMMXXX | VALLETTA | 1 June 2026 |
| FinXP Limited | PAUUMTM1XXX | Naxxar | 6 February 2023 |
| HSBC Bank Malta plc | MMEBMTMTXXX | VALLETTA | 9 January 2025 |
| IIG BANK (MALTA) LTD | IIGBMTMTXXX | ST. JULIANS | 8 January 2025 |
| IZOLA BANK PLC | IZOLMTMTXXX | VALLETTA | 6 January 2025 |
| Lidion Bank plc | AGRKMTMTXXX | Birkirkara | 2 June 2025 |
| LOMBARD BANK MALTA PLC | LBMAMTMTXXX | VALLETTA | 9 January 2025 |
| MeDirect Bank (Malta) plc | MBWMMTMTXXX | Sliema | 9 December 2025 |
| MELLIFERA KARTIERA LIMITED | MLLKMTM2XXX | San Giljan | 5 May 2025 |
| MIFINITY MALTA LIMITED | MFMAMTM2XXX | BIRKIRKARA | 15 September 2026 |
| Money Blink Limited | MBLIMTM2XXX | VALLETTA | 2 February 2026 |
| Moneybase Ltd | CCUHMTMTXXX | Birkirkara | 1 April 2025 |
| MULTITUDE BANK P.L.C. | FEMAMTMAXXX | Gzira | 14 January 2020 |
| OpenPayd Financial Services Malta Limited | CFTEMTM1XXX | St. Julian's | 16 May 2022 |
| Papaya LTD | PAPYMTMTXXX | Gzira | 1 September 2025 |
| PayDo EU Ltd. | PELDMTM2XXX | BIRKIRKARA | 15 September 2025 |
| PayFuture FS MT Ltd. | PFFSMTMTXXX | BIRKIRKARA | 1 September 2026 |
| SPARKASSE BANK MALTA PLC | SBMTMTMTXXX | SLIEMA | 2 June 2025 |
| System Pay Services Malta Ltd | SYPLMTM2XXX | San Giljan | 2 June 2025 |
| Trumia Limited | TRUMMTM2XXX | Birkrikara | 1 September 2025 |
| XACE MALTA LTD | XAMAMTM2XXX | Swatar | from 3 November 2026 |