Malta vs Switzerland: Golden Visa Programmes Compared
The lowest qualifying amount is €99,000 in fees, plus property in Malta and CHF 435,000 annual tax base in Switzerland. Here is how the two programmes differ on time in the country, the path to citizenship and processing, side by side.
Open
Malta
€99,000 in fees, plus propertyminimum
Malta Permanent Residence Programme (MPRP)
Read the Malta guide →Restricted
Switzerland
CHF 435,000 annual tax baseminimum
Expenditure-based (lump-sum) taxation — no formal investment programme
Read the Switzerland guide →At a glance
| Malta | Switzerland | |
|---|---|---|
| Programme | Malta Permanent Residence Programme (MPRP) | Expenditure-based (lump-sum) taxation — no formal investment programme |
| Status | MPRP open and repriced by Legal Notice 146 of 2025; the separate citizenship-by-investment scheme was repealed in July 2025 after the CJEU ruled against it | No golden visa exists; lump-sum taxation abolished at cantonal level in five cantons |
| Lowest qualifying amount | €99,000 in fees, plus property | CHF 435,000 annual tax base |
| Time you must spend there | No minimum stay | Switzerland must be the genuine centre of your life |
| Route to citizenship | No direct path | Ten years of residence, then discretionary |
| Typical processing | Reported at roughly 4-6 months to approval in principle | Several months; cantonal decision plus federal approval |
| Main routes |
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Which is cheaper, Malta or Switzerland?
The lowest qualifying amount is €99,000 in fees, plus property in Malta and CHF 435,000 annual tax base in Switzerland. The cheapest route is not always the practical one: some low-entry routes are donations or contributions you never get back, while others are investments that can lose value independently of the permit. Add government fees, legal costs and, where relevant, family members before comparing totals.
How much time do you have to spend in each?
Malta: No minimum stay. Switzerland: Switzerland must be the genuine centre of your life. A permit that asks for little time in the country is convenient, but a path to citizenship usually depends on genuinely living there.
Which leads to citizenship?
Malta: No direct path. Switzerland: Ten years of residence, then discretionary. Naturalisation rules are set separately from the investment programme and can change while you are part of the way through.
The biggest caveat for each
Malta: Malta has reset the MPRP fee structure twice by legal notice since 2021 and can do so again at short notice, with no guarantee that terms are held open for applications not yet submitted.
Switzerland: Cantonal politics is the main risk, since five cantons have already abolished the regime by popular vote and nothing stops others from doing the same.
More programme comparisons
Information reflects our own independent research as understood in September 2026. These rules change often and differ by nationality. Plain Investor does not sell or advise on any programme. This is general information, not legal, immigration or tax advice; check the official government source and a licensed immigration lawyer before committing money.