Pagamenti, trasferimenti u ċekkijiet fl-UE

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href="https://europa.eu/youreurope/citizens/travel/passenger-rights/index_mt.htm">Drittijiet tal-passiġġieri<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/air/index_mt.htm">Drittijiet tal-passiġġieri tal-ajru</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/rail/index_mt.htm">Drittijiet tal-passiġġieri tal-ferrovija</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/bus-and-coach/index_mt.htm">Id-drittijiet tal-passiġġieri li jivvjaġġaw bix-xarabank u bil-kowċ</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/ship/index_mt.htm">Drittijiet tal-passiġġieri fuq bastiment</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/transport-disability/index_mt.htm">Trasport u diżabilità<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/transport-disability/reduced-mobility/index_mt.htm">Id-drittijiet tal-vjaġġaturi b’diżabbiltà jew b’mobbiltà mnaqqsa</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/transport-disability/parking-card-disabilities-people/index_mt.htm">Karta għall-parkeġġ tal-UE għal nies b'diżabilità</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/index_mt.htm">Is-sewqan f'pajjiż ieħor<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/car-rental-abroad/index_mt.htm">Kiri ta' karozza</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/driving-licence-and-insurance/index_mt.htm">Assigurazzjoni u liċenzja tas-sewqan</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/road-rules-and-safety/index_mt.htm">Ir-regoli u s-sikurezza tat-traffiku</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/carry/index_mt.htm">X'tista' tieħu miegħek?<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/alcohol-tobacco-cash/index_mt.htm">Alkoħol, tabakk u dazji tas-sisa</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/carrying-cash/index_mt.htm">Regoli biex wieħed idaħħal flus kontanti fl-UE u joħroġhom minnha u jivvjaġġa bi flus kontanti fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/pets-and-other-animals/index_mt.htm">Ivvjaġġar bl-annimali domestiċi u annimali oħra fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/luggage-restrictions/index_mt.htm">Restrizzjonijiet fuq il-bagalji</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/meat-dairy-animal/index_mt.htm">Biex tieħu miegħek prodotti tal-annimali, ikel jew pjanti</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/using-euro/index_mt.htm">L-użu tal-euro</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/index_mt.htm">Sigurtà u emerġenzi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/airport-airline-security/index_mt.htm">Sigurtà tal-ajruporti u tal-linji tal-ajru</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency/index_mt.htm">Emerġenzi</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency-assistance-vehicles-ecall/index_mt.htm">Assistenza ta' emerġenza eCall ibbażata fuq in-numru 112 mill-vettura tiegħek</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/holidays/index_mt.htm">Timeshare u vjaġġ b'kollox inkluż<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/timeshare/index_mt.htm">Timeshare u prodotti oħra ta' vaganzi fit-tul fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/package-travel/index_mt.htm">Pakkett tal-ivvjaġġar u arranġamenti tal-ivvjaġġar marbuta</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/index_mt.htm">Xogħol u Rtirar<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/work-abroad/index_mt.htm">Xogħol f’pajjiż barrani<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/cross-border-commuters/index_mt.htm">Ħaddiema bejn il-fruntieri</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/equal-treatment-with-nationals/index_mt.htm">Trattament ugwali fuq il-post tax-xogħol</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/posted-workers/index_mt.htm">Ħaddiema stazzjonati</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-in-public-sector-abroad/index_mt.htm">Xogħol fis-settur pubbliku f'pajjiż barrani</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-permits/index_mt.htm">Permessi tax-xogħol</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/employment-contracts/index_mt.htm">Kuntratti ta’ impjieg</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/rules-working-road-transport/index_mt.htm">Ir-regoli tal-UE dwar ix-xogħol fit-trasport bit-triq</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/liability-insurance/index_mt.htm">Assigurazzjoni ta' responsabbiltà ta’ terzi f'pajjiż ieħor tal-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/index_mt.htm">Kwalifiki professjonali<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/regulated-professions/index_mt.htm">X'inhi professjoni regolata</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-permanent-provision-services/index_mt.htm">Applikazzjoni għal provvediment permanenti ta' servizzi</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-temporary-provision-services/index_mt.htm">Applikazzjoni għal provvediment temporanju ta' servizzi</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/professional-bodies-language-requirements/index_mt.htm">Dokumenti u formalitajiet</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/european-professional-card/index_mt.htm">Karta Professjonali Ewropea - EPC</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/brexit/index_mt.htm">UE-Renju Unit: kwalifiki professjonali</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/index_mt.htm">Sigurtà soċjali u benefiċċji<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security/index_mt.htm">Is-sistemi tas-sigurtà soċjali fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/country-coverage/index_mt.htm">Kopertura tas-sigurtà soċjali barra minn pajjiżek</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/unemployment/index_mt.htm">Il-qgħad f'pajjiż barrani</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/transferring-unemployment-benefits/index_mt.htm">Trasferiment ta' benefiċċji tal-qgħad</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/cannot-find-work-abroad/index_mt.htm">Jekk ma ssibx xogħol</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/family-benefits/index_mt.htm">Il-benefiċċji tal-familja</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/death-grants/index_mt.htm">Pensjonijiet tas-superstiti u għotjiet f'każ ta' mewt</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security-forms/index_mt.htm">Formoli standard għad-drittijiet tas-sigurtà soċjali</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/index_mt.htm">L-irtirar barra pajjiżek<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/supplementary-pensions-abroad/index_mt.htm">Il-pensjonijiet supplimentari barra pajjiżek</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_mt.htm">Il-pensjonijiet tal-istat barra mill-pajjiż</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/taxes/index_mt.htm">It-taxxi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/income-taxes-abroad/index_mt.htm">Taxxi fuq id-dħul f'pajjiż barrani</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/double-taxation/index_mt.htm">Tassazzjoni doppja</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/index_mt.htm">Vetturi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/cars/index_mt.htm">Karozzi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/buying-leasing-car-abroad/index_mt.htm">Xiri u kiri fit-tul ta' karozza</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/vat-buying-selling-cars/index_mt.htm">VAT meta tixtri jew tbigħ karozza</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/company-cars/index_mt.htm">Karozzi tal-kumpanija</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/index_mt.htm">Liċenzja tas-sewqan<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-exchange-recognition/index_mt.htm">Skambju u rikonoxximent tal-liċenzji tas-sewqan fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/get-driving-licence/index_mt.htm">Ikseb liċenzja tas-sewqan fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-renewal/index_mt.htm">Tiġdid tal-liċenzja tas-sewqan f’pajjiż ieħor tal-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_mt.htm">Assigurazzjoni<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/validity/index_mt.htm">Validità tal-assigurazzjoni tal-karozza fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/accident/index_mt.htm">L-assigurazzjoni tal-karozza barra minn pajjiżek</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/registration/index_mt.htm">Ir-reġistrazzjoni<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/formalities/index_mt.htm">Dokumenti u formalitajiet għar-reġistrazzjoni tal-karozza</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/registration-abroad/index_mt.htm">Reġistrazzjoni tal-karozzi f'pajjiż ieħor tal-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/taxes-abroad/index_mt.htm">Taxxi tal-karozzi f'pajjiż ieħor tal-UE</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/index_mt.htm">Residenza<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/index_mt.htm">Drittijiet ta’ residenza<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/inactive-citizens/index_mt.htm">Ċittadini tal-UE li huma ekonomikament inattivi</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/jobseekers/index_mt.htm">Persuni li qed ifittxu xogħol - drittijiet ta' residenza</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/pensioners/index_mt.htm">Il-pensjonanti - drittijiet ta' residenza</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/students/index_mt.htm">Studenti - drittijiet ta’ residenza</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/workers/index_mt.htm">Ħaddiema - drittijiet ta' residenza</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/brexit-residence-rights/index_mt.htm">Drittijiet ta’ residenza għaċ-ċittadini tal-UE fir-Renju Unit u għaċ-ċittadini tar-Renju Unit fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/naturalisation/index_mt.htm">Naturalizzazzjoni</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/index_mt.htm">Drittijiet ta' residenza tal-familja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/eu-wife-husband-children/index_mt.htm">Konjugi u tfal tal-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/non-eu-wife-husband-children/index_mt.htm">Konjugi u tfal mhux mill-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/partners/index_mt.htm">Partners ċivili u rreġistrati</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/parents/index_mt.htm">Ġenituri</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/other-family/index_mt.htm">Qraba oħra</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/jobseekers-family/index_mt.htm">Il-familja ta' min qed ifittex xogħol</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/index_mt.htm">Dokumenti u formalitajiet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-family-members-registration/index_mt.htm">Reġistrazzjoni tal-preżenza ta’ membri tal-familja tal-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-nationals-permanent-residence/index_mt.htm">Residenza permanenti għaċ-ċittadini tal-UE wara 5 snin</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-permanent-residence/index_mt.htm">Residenza permanenti għaċ-ċittadini mhux tal-UE wara 5 snin</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-residence-card/index_mt.htm">Dokumenti tar-residenza tal-membri tal-familja mhux mill-UE </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-residence/index_mt.htm">Kif tirreġistra r-residenza tiegħek wara li jaqbżu l-ewwel 3 xhur</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/reporting-presence/index_mt.htm">Reġistrazzjoni tal-preżenza ta' residenzi ta’ anqas minn 3 xhur </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-birth/index_mt.htm">Reġistrazzjoni ta’ twelid</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/legal-gender-recognition/index_mt.htm">Regoli dwar il-bidla bejn il-ġeneri</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/buying-house/index_mt.htm">Xiri ta’ dar</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/deregistering-residence/index_mt.htm">Tneħħija tar-reġistrazzjoni tar-residenza tiegħek</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/index_mt.htm">Elezzjonijiet, petizzjonijiet u konsultazzjonijiet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/european-elections/index_mt.htm">Elezzjonijiet Ewropej</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/home-country-elections/index_mt.htm">Elezzjonijiet tal-pajjiż ta' oriġini</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/municipal-elections/index_mt.htm">L-elezzjonijiet muniċipali</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/petitions-consultations/index_mt.htm">Petizzjonijiet u konsultazzjonijiet</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/index_mt.htm">Edukazzjoni u Żgħażagħ<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/school/index_mt.htm">Skola<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/school/partner/index_mt.htm">Sħubija ma' skejjel barranin</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/school/enrol/index_mt.htm">Kif iddaħħal lil uliedek fi skola f'pajjiż ieħor tal-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/university/index_mt.htm">Università<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/university/admission-entry-conditions/index_mt.htm">Ammissjoni u dħul f'università</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/fees-and-financial-help/index_mt.htm">Miżati tal-università u għajnuna finanzjarja</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/recognition/index_mt.htm">Għarfien tal-kwalifiki akkademiċi</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/study-abroad/index_mt.htm">Studju f'pajjiż ieħor u opportunitajiet ta' boroż ta' studju.</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/working-while-studying/index_mt.htm">Jekk taħdem waqt li tistudja</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/traineeships/index_mt.htm">Apprendistat<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/traineeships/financial/index_mt.htm">Appoġġ finanazjarju għat-traineeships</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/volunteering/index_mt.htm">Il-volontarjat fl-UE u lil hinn minnha<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/where-to-start/index_mt.htm">Volontarjat - minn fejn tibda</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/practical-preparations/index_mt.htm">Preparazzjonijiet prattiċi għall-voluntiera</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/research/index_mt.htm">Riċerkaturi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/research/jobs/index_mt.htm">Għotjiet u xogħlijiet għar-riċerkaturi</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/research/tax/index_mt.htm">Tassazzjoni tar-riċerkaturi</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/index_mt.htm">Saħħa<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/index_mt.htm">Il-kura tas-saħħa mhix ippjanata<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/going-to-doctor-hospital-abroad/index_mt.htm">Għandek bżonn ta' tabib/sptar barra minn pajjiżek</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_mt.htm">Kura tas-saħħa mhix ippjanata: pagamenti u rimborżi</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/temporary-stays/index_mt.htm">Kopertura tas-saħħa għal żjarat temporanji</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/ehic/index_mt.htm">Il-Karta tal-Assigurazzjoni tas-Saħħa tal-Unjoni Ewropea (EHIC)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/index_mt.htm">Kura medika ppjanata f'pajjiż ieħor<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/right-to-treatment/index_mt.htm">L-organizzazzjoni tal-kura medika ppjanata f'pajjiż ieħor</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/expenses-reimbursements/index_mt.htm">Spejjeż u rimborżi: trattament medika ippjanata barra pajjiżek</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/get-more-info/index_mt.htm">Punti ta' kuntatt għall-kura tas-saħħa transfruntiera</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/index_mt.htm">Xiri ta’ mediċini f’pajjiż ieħor tal-UE<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/prescriptions/index_mt.htm">Preżentazzjoni ta’ riċetta f’pajjiż ieħor tal-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/expenses-reimbursements/index_mt.htm">Riċetti barra mill-pajjiż spejjeż u rimborżi</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/buying-medicines-online/index_mt.htm">Xiri ta' mediċina online</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/index_mt.htm">Assigurazzjoni tas-Saħħa meta tgħix barra pajjiżek<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/health-insurance-cover/index_mt.htm">Kopertura tal-assigurazzjoni tas-saħħa tiegħek</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/residential-care-home/index_mt.htm">Ċaqliq lejn dar tal-kura residenzjali</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/preventive-healthcare/index_mt.htm">Kura tas-saħħa preventiva</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/index_mt.htm">Il-Familja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/children/index_mt.htm">Tfal<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/children/parental-responsibility/index_mt.htm">Ir-responsabbiltà tal-ġenituri</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/adoption/index_mt.htm">Adozzjoni</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/abduction/index_mt.htm">Ħtif tat-tfal</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/couple/index_mt.htm">Koppji<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/couple/marriage/index_mt.htm">Żwieġ</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/registered-partners/index_mt.htm">L-unjonijiet ċivili u s-sħubijiet reġistrati</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/de-facto-unions/index_mt.htm">Koppji mhux miżżewġin</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/divorce-separation/index_mt.htm">Id-divorzju u s-separazzjoni legali</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/maintenance/index_mt.htm">Obbligi ta' manteniment - appoġġ għall-membri tal-familja</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/property-regimes-international-couples/index_mt.htm">Reġimi tal-proprjetà għall-koppji internazzjonali</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/getting-public-documents-accepted/index_mt.htm">Kif jiġu aċċettati d-dokumenti pubbliċi tiegħek fl-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/inheritances/index_mt.htm">Mewt, ripatrijazzjoni u wirt transfruntier<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/managing-inheritance/index_mt.htm">Il-ġestjoni ta' wirt transkonfinali</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/planning-inheritance/index_mt.htm">L-ippjanar tal-wirt transkonfinali tiegħek</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/death-repatriation/index_mt.htm">Mewt u ripatrijazzjoni</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/index_mt.htm">Konsumaturi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/shopping/index_mt.htm">Xiri<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/contract-information/index_mt.htm">Informazzjoni dwar il-kuntratt</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/index_mt.htm">Garanziji u ritorni</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_mt.htm">Prezzijiet u pagamenti</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shipping-delivery/index_mt.htm">Trasport u konsenja</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shopping-consumer-rights/index_mt.htm">Id-drittijiet tiegħek meta tixtri</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/vat/index_mt.htm">VAT - Taxxa fuq il-Valur Miżjud</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/product-safety/index_mt.htm">Is-sikurezza tal-prodotti</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/index_mt.htm">Internet u telekomunikazzjonijiet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/mobile-roaming-costs/index_mt.htm">Roaming: L-użu ta’ mobile fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/access-online-content-abroad/index_mt.htm"> Meta taċċessa l-kontenut online barra mill-pajjiż</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/telecommunication-services/index_mt.htm"> Servizzi tal-linja tat-telefown fissi</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/internet-access/index_mt.htm">Użu u aċċess għall-internet</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/data-protection-online-privacy/index_mt.htm">Il-protezzjoni tad-data u l-privatezza online</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_mt.htm">Prodotti u servizzi finanzjarji<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_mt.htm">Kontijiet bankarji fl-UE</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_mt.htm">Kreditu u self tal-konsumatur</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/insurance-products/index_mt.htm">Prodotti tal-assigurazzjoni</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_mt.htm">Prodotti ta' investiment</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_mt.htm">Self ipotekarju</a></li> <li class="current"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/index_mt.htm"><span>Pagamenti, trasferimenti u <span class="label-end"><span>ċekkijiet</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></span></a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investments-in-another-eu-country/index_mt.htm">Investimenti f’pajjiż ieħor tal-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/index_mt.htm">Trattament inġust<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-commercial-practices/index_mt.htm">Prattiki kummerċjali żleali</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-pricing/index_mt.htm">Prezzijiet inġusti</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-contract-terms/index_mt.htm">Termini kuntrattwali inġusti</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/index_mt.htm">Provvista ta' enerġija<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/access-use-energy-services/index_mt.htm">Aċċess u użu ta' servizzi tal-enerġija</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/contracts-energy-consumption/index_mt.htm">Kuntratti u konsum tal-enerġija</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/complaints-dispute-resolution/index_mt.htm">Ilmenti u soluzzjoni ta' tilwim</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/index_mt.htm">Soluzzjoni għat-tilwim tal-konsumaturi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/informal-dispute-resolution/index_mt.htm">Soluzzjoni informali għat-tilwim tal-konsumaturi</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_mt.htm">Proċeduri barra l-qorti għall-konsumaturi</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/formal-legal-actions/index_mt.htm">Azzjoni legali formali għall-konsumaturi</a></li> </ul> </li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/index_mt.htm">Twettiq ta' negozju<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/index_mt.htm"> Tmexxija ta' negozju<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/developing-business/index_mt.htm">Żvilupp ta’ negozju<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/tourism/index_mt.htm">Tmexxija ta’ negozju fl-industrija tat-turiżmu</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/emas-registration/index_mt.htm">Ir-reġistrazzjoni fl-EMAS</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/merging-businesses/index_mt.htm">Il-fużjonijiet tal-kumpaniji</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/setting-up-european-company/index_mt.htm">Twaqqif ta' Kumpanija Ewropea (SE)</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/free-flow-non-personal-data/index_mt.htm">Fluss liberu tad-data mhux personali </a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/investments-other-eu-country/index_mt.htm">Nifhmu l-investimenti transfruntiera fl-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/digitalising/index_mt.htm"> Diġitalizzazzjoni ta' negozju<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-business-website/index_mt.htm"> Kif tistabbilixxi sit web tan-negozju</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/selling-online-third-party-platforms/index_mt.htm"> Bejgħ online bl-użu ta' pjattaformi ta' partijiet terzi</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-online-shop/index_mt.htm"> Stabbiliment ta' ħanut online</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/securing-website/index_mt.htm"> Kif tara li sit web ikun sigur</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/deliveries-fulfilment-online-sales/index_mt.htm"> Konsenji u twettiq ta' bejgħ online</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/customer-service-online-businesses/index_mt.htm"> Servizz tal-klijenti għan-negozji online</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/promoting-business-online/index_mt.htm"> Ippromwovi n-negozju online</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/index_mt.htm">Proprjetà intellettwali<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/rights/index_mt.htm">Drittijiet tal-proprjetà intellettwali</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/patents/index_mt.htm">Privattivi</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-marks/index_mt.htm">Trademarks</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/copyright/index_mt.htm">Id-drittijiet tal-awtur</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-secrets/index_mt.htm">Sigrieti kummerċjali</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/design-protection/index_mt.htm">Protezzjoni tad-diżinn</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/website-domains/index_mt.htm"> Dominji tas-siti web</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/database-protection/index_mt.htm">Protezzjoni tal-bażi tad-data</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/geographical-indications/index_mt.htm"> Indikazzjonijiet ġeografiċi</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/licensing-selling/index_mt.htm">Kummerċjalizzazzjoni tal-proprjetà intellettwali</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/infringement/index_mt.htm">Ksur tad-drittijiet tal-proprjetà intellettwali</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/start-ups/index_mt.htm">Negozji ġodda<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/starting-business/index_mt.htm">Bidu ta' negozju</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/erasmus-young-entrepreneurs/index_mt.htm">Erasmus għal Imprendituri Żgħażagħ</a></li> </ul> </li> <li><a href="https://europa.eu/youreurope/business/running-business/eu-support-tools-sme/index_mt.htm">Għodod ta’ appoġġ tal-UE għall-SMEs</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/index_mt.htm">Tassazzjoni<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/index_mt.htm"> Id-dazji tas-sisa<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/product-excise-duties/index_mt.htm">Prodotti soġġetti għad-dazji tas-sisa</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/paying-excise-duties/index_mt.htm"> Il-ħlas tad-dazji tas-sisa</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/vat/index_mt.htm"> VAT<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-rules-rates/index_mt.htm">Regoli u rati tal-VAT</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/charging-deducting-vat/index_mt.htm">Ħlas u tnaqqis tal-VAT</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-exemptions/index_mt.htm">Eżenzjonijiet mill-VAT</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-refunds/index_mt.htm">Rifużjonijiet tal-VAT: agħmel talba online</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/cross-border-vat/index_mt.htm">VAT bejn il-fruntieri</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/check-vat-number-vies/index_mt.htm">Iċċekkja numru tal-VAT (VIES)</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-digital-services-moss-scheme/index_mt.htm"> Il-VAT fuq is-servizzi diġitali (l-iskema tal-MOSS)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/business-tax/index_mt.htm"> It-taxxa fuq in-negozju<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/company-tax-eu/index_mt.htm"> It-taxxa korporattiva fl-UE</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/taxes-parent-companies-subsidiaries/index_mt.htm"> It-taxxi fuq il-kumpaniji prinċipali u s-sussidjarji</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/index_mt.htm">Bejgħ fl-UE<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/index_mt.htm"> Kuntratti pubbliċi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/public-tendering-rules/index_mt.htm">Ir-regoli tal-offerti pubbliċi</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/search-bid-public-tender/index_mt.htm">Fittex u agħmel offerta għal kuntratt pubbliku</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/request-review-public-procurement-procedure/index_mt.htm">Itlob rieżami ta' proċedura ta' akkwist pubbliku</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/index_mt.htm"> Bejgħ ta' oġġetti u servizzi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/selling-products-eu/index_mt.htm">Bejgħ tal-prodotti fl-UE</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/provide-services-abroad/index_mt.htm">Għoti ta' servizzi f'pajjiż barrani</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/ecommerce-distance-selling/index_mt.htm">Kummerċ elettroniku, bejgħ mill-bogħod u barra mil-lok tan-negozju</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/package-travel/index_mt.htm"> Pakkett tal-ivvjaġġar u arranġamenti tal-ivvjaġġar marbuta</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/parcel-services/index_mt.htm"> Servizzi tal-konsenja tal-pakketti</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/index_mt.htm"> Kompetizzjoni bejn in-negozji<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/competition-rules-eu/index_mt.htm">Ir-regoli tal-kompetizzjoni fl-UE</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/anti-competitive-behaviour/index_mt.htm"> Ir-rapportar ta' mġiba antikompetittiva</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/index_mt.htm">Riżorsi umani<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/index_mt.htm">Kuntratti ta’ impjieg<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/changes-staff-contract/index_mt.htm">Bidliet fil-kuntratti tal-istaff</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/employment-terms/index_mt.htm">Termini ta’ impjieg</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/fixed-term-work/index_mt.htm">Xogħol b'terminu fiss</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/inform-consult-staff/index_mt.htm">Informa u kkonsulta lill-persunal</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/part-time-work/index_mt.htm">Xogħol part-time</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/redundancies/index_mt.htm">Sensji</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/teenage-workers/index_mt.htm">Ħaddiema teenagers</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/temporary-agency-work/index_mt.htm">Xogħol temporanju permezz ta' aġenzija</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/seasonal-workers-non-eu-countries/index_mt.htm">Ħaddiema Staġjonali minn Pajjiżi li mhumiex fl-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/index_mt.htm">Is-sigħat tax-xogħol, il-vaganzi u l-liv<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/working-hours/index_mt.htm">Is-sigħat tax-xogħol</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/leave-flexible-working/index_mt.htm">Leave u xogħol flessibbli</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/index_mt.htm">Il-ħaddiema tas-settur tat-trasport<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/civil-aviation-staff/index_mt.htm">Il-persunal tal-avjazzjoni ċivili</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/rail-staff/index_mt.htm">Il-persunal tal-ferroviji</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/road-transportation-workers/index_mt.htm">Impjegar ta’ ħaddiema tat-trasport bit-triq: ħin ta' sewqan u perjodi ta' mistrieħ</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/seafarers/index_mt.htm">Baħħara</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/inland-waterway-staff/index_mt.htm">Staff tal-passaġġi fuq l-ilma interni</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/index_mt.htm">Ħaddiema stazzjonati<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/posting-staff-abroad/index_mt.htm">Stazzjonar ta' staff f’pajjiż barrani</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/drivers/index_mt.htm">Xufiera stazzjonati</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/index_mt.htm">Is-sigurtà soċjali u s-saħħa<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/paying-contributions/index_mt.htm">Il-ħlas tal-kontribuzzjonijiet tas-sigurtà soċjali</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/work-safety/index_mt.htm">Saħħa u sigurtà fuq il-post tax-xogħol</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/index_mt.htm"> It-trattament indaqs u l-kwalifiki<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/equal-treatment/index_mt.htm">Trattament indaqs tal-istaff</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/reasonable-accommodation/index_mt.htm">Akkomodazzjoni raġonevoli</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/recognition-qualifications/index_mt.htm">Rikonoxximent tal-kwalifiki</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/index_mt.htm">Rekwiżiti tal-prodotti<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/standards/index_mt.htm">L-istandards<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/standards/standards-in-europe/index_mt.htm">Standards fl-Ewropa</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/compliance/index_mt.htm">Konformità tal-prodotti<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/identifying-product-requirements/index_mt.htm">Identifikazzjoni tar-rekwiżiti tal-prodotti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/conformity-assessment/index_mt.htm">Valutazzjoni tal-konformità</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/technical-documentation-conformity/index_mt.htm">Dokumentazzjoni teknika u dikjarazzjoni tal-konformità tal-UE</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/ecodesign/index_mt.htm">Ir-rekwiżiti tal-ekodisinn</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/declaration-mutual-recognition/index_mt.htm">Dikjarazzjoni ta' rikonoxximent reċiproku</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/index_mt.htm">Tikketti u mmarkar<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ce-marking/index_mt.htm">Immarkar CE</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/energy-labels/index_mt.htm">Tikketta tal-enerġija</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/weee-label/index_mt.htm">Tikketta tal-WEEE</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/footwear-label/index_mt.htm"> Tikketta tax-Xedd tas-Saqajn</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/textile-label/index_mt.htm">Tikketti tat-Tessuti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/emark/index_mt.htm">℮-marka</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ecolabel/index_mt.htm">L-Ekotikketta tal-UE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/index_mt.htm"> Is-sustanzi kimiċi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/registering-chemicals-reach/index_mt.htm">Ir-reġistrazzjoni tas-sustanzi kimiċi fl-UE (ir-regolament REACH)</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/classification-labelling-packaging/index_mt.htm">Klassifikazzjoni, ittikkettar u imballaġġ tas-sustanzi kimiċi</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/index_mt.htm"> Riċiklaġġ u ġestjoni tal-iskart<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/weee-responsibilities/index_mt.htm">Responsabbiltajiet tal-iskart WEEE</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/index_mt.htm">It-tikkettar tal-prodotti tal-ikel<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/general-rules/index_mt.htm">Regoli dwar it-tikkettar tal-ikel</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/nutrition-declaration/index_mt.htm">Dikjarazzjoni dwar in-nutrizzjoni</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/supplements/index_mt.htm">Tikkettar tas-supplimenti tal-ikel</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/additives/index_mt.htm">Addittivi tal-ikel</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/health-nutrition-claims/index_mt.htm">Indikazzjonijiet dwar in-nutrizzjoni u s-saħħa</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/index_mt.htm">Finanzi u finanzjament<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/accounting/index_mt.htm"> Il-kontabilità<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/accounting/small-micro-businesses/index_mt.htm">Il-kontabbiltà għall-SMEs u l-mikronegozji</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/index_mt.htm">Tagħmel u tirċievi l-pagamenti<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/cross-border-debt-recovery/index_mt.htm"> Irkupru ta' dejn transfruntier</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_mt.htm">Pagamenti elettroniċi u fi flus</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/late-payment/index_mt.htm">Pagament tard</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/einvoicing/index_mt.htm">E-fatturazzjoni</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/index_mt.htm"> Kif tikseb finanzjament<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://youreurope.europa.eu/business/finance-funding/getting-funding/access-finance/mt">Aċċess għall-finanzi</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/eu-funding-programmes/index_mt.htm">Programmi ta’ finanzjament tal-UE</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/index_mt.htm">Nittrattaw mal-klijenti<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/index_mt.htm"> Il-kuntratti konklużi mal-konsumaturi u l-garanziji<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-guarantees/index_mt.htm">Garanziji tal-konsumatur</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/defective-products/index_mt.htm">Prodotti diffettużi</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-contracts/index_mt.htm">Il-kuntratti konklużi mal-konsumaturi</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/index_mt.htm"> Is-soluzzjoni għat-tilwim mal-konsumaturi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/online-dispute-resolution/index_mt.htm"> Is-Soluzzjoni alternattiva/online għat-tilwim</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/european-small-claims-procedure/index_mt.htm"> Il-proċedura Ewropea għal Talbiet Żgħar</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/index_mt.htm"> Il-protezzjoni tad-<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/data-protection-gdpr/index_mt.htm"> Il-protezzjoni tad-data skont il-GDPR</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/online-privacy/index_mt.htm"> Il-privatezza online</a></li> </ul> </li> </ul> </li> </ul> </li> <li><a href="https://asf.youreurope.europa.eu/?lang=mt" target="_blank">Ikkuntattja s-servizzi ta' assistenza</a></li> <li><a href="https://fosmo.youreurope.europa.eu/?lang=mt" target="_blank">Irrapporta ostaklu</a></li> </ul> </nav> <div id="ua-info-menu"> <div id="ua-toggle-btn" class="ye_boxbutton">l-Ukrajna<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></div> <div id="ua-toggle-content" class="ye_boxcontent container"> <ul class="ye_list" aria-labelledby="ua-toggle-btn"> <li class="ye_listbylang" lang="ua"> <div id="ua-titlelist_ua" class="ye_title">Допомога ЄС Україні</div> <ul class="ye_links"> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_uk">Інформація для людей з України, що шукають порятунку від війни в Україні</a></li> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_uk#ref-%D1%8F%D0%BA-%D0%B2%D0%B8-%D0%BC%D0%BE%D0%B6%D0%B5%D1%82%D0%B5-%D0%B4%D0%BE%D0%BF%D0%BE%D0%BC%D0%BE%D0%B3%D1%82%D0%B8">Як Ви можете допомогти</a></li> <li><a hreflang="ua" target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Iнформація для бізнесу</a></li> </ul> </li> <li class="ye_listbylang"> <div id="ua-titlelist_or" class="ye_title">Assistenza tal-UE lill-Ukrajna</div> <ul class="ye_links"> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_mt">Informazzjoni għan-nies li qed jaħarbu mill-gwerra fl-Ukrajna</a></li> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_mt#kif-tista-tg%C4%A7in">Kif tista’ tgħin</a></li> <li><a target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Informazzjoni għan-negozji</a></li> </ul> </li> </ul> </div> </div> </div> </section> </header> <div id="page-header"> <nav class="container"> <ol id="ye-breadcrumb"> <li><a href="https://europa.eu/youreurope/index_mt.htm" lang="en">Your Europe</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li class="ellipsis"><button aria-label="Klikkja biex tespandi" title="Klikkja biex tespandi">…</button><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="/youreurope/citizens/index_mt.htm">Ċittadini</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/index_mt.htm">Konsumaturi</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_mt.htm">Prodotti u servizzi finanzjarji</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li>Pagamenti, trasferimenti u ċekkijiet</li> </ol> </nav> </div> <main id="main-content" class="container"> <h1>Pagamenti, trasferimenti u ċekkijiet</h1> <div class="row"> <aside> <nav id="in-page-nav"> <div id="in-page-nav-title">Fuq din il-paġna</div> </nav> </aside> <div class="col"> <div id="main-article"> <p> Il-bank tiegħek irid jiċċarġjak l-istess rata għall-pagamenti f'euro fl-UE kollha kif jiċċarġja għal tranżazzjonijiet nazzjonali ekwivalenti. </p> <p> Dan jinkludi kwalunkwe: </p> <ul> <li> trasferiment bejn kontijiet tal-bank f'pajjiżi differenti tal-UE </li> <li> ġbid ta' flus minn ATMs f'pajjiżi tal-UE </li> <li> pagament bil-kard ta' debitu jew ta' kreditu fl-UE </li> <li> tranżazzjoni ta' debitu dirett </li> </ul> <p> Il-banek ibbażati f’pajjiżi tal-UE barra ż- <a data-linkid="51a6b204-1180-4ee6-8c06-2793ed9b5fc4" href="https://europa.eu/youreurope/citizens/travel/carry/using-euro/index_mt.htm" title="żona tal-euro">żona tal-euro</a> jridu wkoll japplikaw din ir-regola, u ma jistgħux jiċċarġjaw aktar għal pagament bl-euro lejn pajjiż ieħor tal-UE jew fi ħdanu minn dak li jiċċarġjaw għal pagament domestiku fil-munita nazzjonali. </p> <div class="example"> <h4> Storja bħala eżempju </h4> <h5> <strong>Il-pagamenti bl-euro huma l-istess bħall-pagamenti domestiċi</strong> </h5> <p> Jakub jgħix fiċ-Ċekja u għandu kont bankarju Ċek. Il-bank tiegħu jiċċarġjah 5Kč meta jittrasferixxi flus fil-koruna Ċeka lil xi kont bankarju Ċek ieħor. </p> <p> Wara vaganza reċenti, Jakub ħtieġlu jittrasferixxi €150 f’kont bankarju ta’ ħabib fi Franza. Il-bank tiegħu jista’ jiċċarġjah biss l-istess rata li jiċċarġjah għal trasferiment bankarju f’koruna Ċeka fiċ-Ċekja – 5Kč – jew l-ekwivalenti f’euro. </p> </div> <h2> Pagamenti siguri online </h2> <p> Jekk tixtieq tagħmel pagament online ta’ aktar minn €30, se jkollok bżonn tuża taħlita ta’ mill-inqas żewġ elementi ta’ awtentikazzjoni, bħal: </p> <ul> <li> xi ħaġa li għandek (bħal mobile jew card reader) U xi ħaġa li taf (PIN jew password) </li> <li> xi ħaġa li għandek (bħal mobile jew card reader) U xi ħaġa minn tiegħek (il-marka tas-swaba' tiegħek) </li> <li> xi ħaġa li taf (PIN jew password) U xi ħaġa minn tiegħek (il-marka tas-swaba’ tiegħek) </li> </ul> <p> Dan jagħmel il-pagamenti tiegħek aktar sikuri u siguri. </p> <h2> Tariffi għal meta tuża l-kard tiegħek </h2> <p> Meta <strong>tħallas għal xi ħaġa fl-UE permezz tal-kard ta’ kreditu jew ta’ debitu</strong> tiegħek, il-kummerċjanti u l-banek <strong>ma jistgħux jiċċarġjawk flus żejda</strong> – magħruf ukoll bħala “ħlas addizzjonali” – għar-raġuni biss li qed tuża kard partikolari. Din ir-regola tapplika għax-xiri kollu bil-kard (fil-ħwienet jew online) li twettaq <strong>f’pajjiżek jew f’pajjiż ieħor tal-UE</strong>. </p> <div class="warning sr-friendly"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#warning"></use></svg><div> <h4 class="sr-only">Twissija</h4> <p> Il-kards ta’ kreditu u ta’ debitu maħruġin minn skemi ta’ partijiet terzi (bħal American Express u Diners Club), u l-kards ta’ kreditu kummerċjali jew korporattivi, fejn il-kont jintbagħat lil min jimpjegak, <strong>mhumiex koperti mir-regoli tal-UE</strong> dwar is-servizzi ta’ pagamenti, u xorta tista’ tiġi ċċarġjat aktar talli tuża dawn il-kards. </p> </div> </div> <p> Għandek tkun taf li jekk qed tħallas b'muniti oħra tal-UE li mhumiex l-euro, <strong>xorta tista’ tiġi ċċarġjat tariffa għall-konverżjoni tal-munita</strong> mill-fornitur tal-kard tiegħek meta tuża l-kard f’pajjiż ieħor. Madankollu, il-fornitur tal-kard, il-bank tiegħek, il-kummerċjant jew is-sit web li twettaq it-tranżazzjoni jridu jinfurmawk dwar l-ammont ta’ kwalunkwe tariffa bħal din qabel ma taqbel max-xiri. Il-fornitur tal-kard tiegħek għandu jinfurmak b’dawn it-tariffi fit-termini u l-kundizzjonijiet tal-kard tiegħek u fuq pjattaforma elettronika faċilment aċċessibbli, bħal sit web jew app. </p> <div class="example"> <h4> Storja bħala eżempju </h4> <h5> <strong>M’għandikx tiġi ċċarġjat aktar talli tuża l-kard tiegħek</strong> </h5> <p> Clara mill-Awstrija xtaqet tixtri biljetti tal-ajru online. Għażlet il-biljetti tagħha fis-sit web tal-linja tal-ajru u marret tħallas. Madankollu, meta daħlet l-informazzjoni dwar il-kard ta’ kreditu tagħha, il-linja tal-ajru żiedet €10 mal-kont tal-ordni tagħha bħala tariffa talli qed tuża l-kard tal-kreditu. </p> <p> Clara kkuntattjat liċ-Ċentru tal-Konsumatur Ewropew lokali tagħha, li qajjem ilment mal-linja tal-ajru. Il-linja tal-ajru ħallset lura t-tariffa ta’ €10 għall-prenotazzjoni tagħha, u mmodifikat ir-regoli tagħha biex tneħħi dan il-ħlas addizzjonali mill-proċess ta’ prenotazzjoni. </p> </div> <h2> Frodi b’kard tal-ħlas </h2> <p> Ir-regoli tal-UE jillimitaw l-ammont li tista’ tintalab tħallas jekk tkun <strong>vittma ta’ frodi ta’ kard jew ta’ pagament</strong> – fejn il-kard jew il-kont tiegħek jiġu ddebitati mingħajr il-permess tiegħek. Fil-każijiet kollha, tista’ tintalab <strong>tħallas biss massimu ta’ €50</strong> lejn l-ispiża ta’ pagamenti frodulenti. </p> <p> Madankollu, f’każijiet fejn int ma kontx konxju mit-telf, is-serq jew il-miżapproprijazzjoni tal-fondi (jiġifieri l-kont tiegħek ġie ħħekkjat, jew il-kard kienet ikklownjata u ċċarġjata mingħajr ma kont taf), int <strong>ma jkollok tħallas xejn</strong>. Il-bank jew il-fornitur tal-kard tiegħek iridu jkopru l-ispejjeż kollha. Din ir-regola tapplika wkoll jekk it-telf kien ikkawżat minn impjegat tal-bank. </p> <h2> Flus imblukkati fuq il-kard tiegħek </h2> <p> Xi drabi meta tagħmel prenotazzjoni, bħal prenotazzjoni f’lukanda jew kiri ta’ karozza, tista’ tintalab tagħti d-dettalji tal-kard tiegħek bħala garanzija tal-prenotazzjoni tiegħek. Il-kummerċjant <strong>jista’ jistaqsik ukoll biex timblokka ammont partikolari ta’ flus fuq il-kard tiegħek</strong> meta tagħmel il-prenotazzjoni tiegħek. Dan ifisser li l-kummerċjant jirriserva parti mil-limitu ta’ kreditu jew mill-bilanċ tal-kont tiegħek biex ikopri kwalunkwe spiża li int mistenni tagħmel, bħas-servizz fil-kamra f’lukanda jew ħsara possibbli lil karozza tal-kiri. </p> <p> Għandek tkun infurmat mill-kummerċjant li se jimblokka ammont fuq il-kard ta’ kreditu tiegħek, u int <strong>trid tagħti l-approvazzjoni tiegħek għal dan</strong> kif ukoll <strong>għall-ammont preċiż</strong> li se jiġi mblukkat. </p> <p> Hekk kif tkun wettaqt il-pagament reali – pereżempju, meta toħroġ mil-lukanda u tuża l-kard ta’ kreditu biex tħallas il-kamra tiegħek, jew meta tirritorna l-karozza tal-kiri u tħallas il-kont finali – il-bank <strong>irid jirrilaxxa l-ammont imblukkat</strong> fuq il-kard ta’ kreditu tiegħek b’mod immedjat. </p> <div class="example"> <h4> Storja bħala eżempju </h4> <h5> <strong>L-ammonti mblukkati għandhom jiġu rilaxxati hekk kif tħallas</strong> </h5> <p> Boris mill-Ungerija mar Venezja għal tmiem il-ġimgħa mat-tfajla tiegħu. Meta waslu fil-lukanda tagħhom, il-lukanda ħadet id-dettalji tal-kard ta’ kreditu ta’ Boris. Il-lukanda infurmat lil Boris li xtaqu jimblukkaw ammont ta’ €500 biex ikopri l-prenotazzjoni tiegħu u kwalunkwe użu tas-servizzi tal-minibar u tar-ristoranti matul is-soġġorn tagħhom. Boris qabel li l-kard tiegħu tiġi mblukkata b’dan l-ammont. </p> <p> Qabel telaq mil-lukanda, Boris ħallas il-kont tal-lukanda bil-kard ta’ kreditu tiegħu. Ġimgħa wara, meta pprova jibbukkja xi titjiriet bil-kard ta’ kreditu tiegħu, Boris induna li l-€500 kienu għadhom imblukkati fuq il-kard ta’ kreditu tiegħu. Hu ċempel lil-lukanda biex jilmenta. Dawn skużaw ruħhom għall-iżball tagħhom u immedjatament talbu lill-bank biex jirrilaxxa l-ammont imblukkat. </p> </div> <h2> Diskriminazzjoni tal-IBAN </h2> <p> Jekk tixtieq tuża trasferimenti ta’ kreditu tas-SEPA jew debiti diretti tas-SEPA biex tħallas kontijiet, tixtri prodotti/servizzi online, tħallas taxxi jew tirċievi rifużjonijiet tat-taxxa/benefiċċji tal-qgħad jew benefiċċji oħra, il-kont tiegħek ma jistax jiġi rifjutat minħabba li jinsab f’pajjiż tal-UE differenti mill-kontroparti tiegħek. Dan huwa applikabbli biss jekk il-kontroparti tkun qed taċċetta tranżazzjonijiet bħal dawn minn kontijiet domestiċi. F’każ ta’ diskriminazzjoni tal-IBAN, jista’ jitressaq ilment quddiem l-<span class="nolink">awtorità <span class="label-end"><span>kompetenti</span><svg focusable="false" class="wider" aria-label="PDF"> <title>PDF</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#file"></use></svg></span></span> <a href="https://finance.ec.europa.eu/system/files/2022-10/sepa-compliance-competent-authorities_en.pdf" target="_blank" class="language" title="English">en</a> rilevanti fil-pajjiż tal-UE tal-kontroparti tiegħek </p> <div> </div> <h2> Debiti diretti </h2> <p> Jekk għandek stabbilit debitu dirett mill-kont tal-bank tiegħek, jista’ jkun li jsir pagament bi żball jew jittieħed ammont żbaljat – pereżempju jekk tikkanċella kuntratt ma’ fornitur, iżda d-debitu dirett isir xorta wara li jkun spiċċa l-kuntratt. F'dawn is-sitwazzjonijiet, għandek id-dritt għar- <strong>rimborż tal-pagament fi żmien 8 ġimgħat</strong>. Dan japplika għad-debiti diretti kollha, kemm f’pajjiżek kif ukoll għal debiti diretti transkonfinali fi ħdan l-UE. </p> <h2> X’għandek tagħmel jekk ikollok problema </h2> <p> Jekk ikollok xi problema biex twettaq pagamenti fl-UE, għandek tikkuntattja lill-bank jew lill-fornitur tal-kard tiegħek. Huma jridu <strong>jirrispondu bil-miktub għall-ilment tiegħek fi żmien 15-il jum</strong> (jew sa 35 jum f’ċirkostanzi eċċezzjonali). Għandu jkollhom ukoll <strong>proċedura tal-ilmenti formali</strong> stabbilita għall-konsumaturi. </p> <p> Jekk għandek bżonn l-għajnuna biex jiġu rikonoxxuti drittijietek, tista’ tikkuntattja lill- <a href="https://finance.ec.europa.eu/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net/make-complaint-about-financial-service-provider-another-eea-country_mt" data-linkid="ea32ef46-d9a0-4eda-b3ff-cc4cdd5836a0"><span class="label-end"><span>FIN-NET</span><svg focusable="false" aria-label="Iftaħ bħala link estern"> <title>Iftaħ bħala link estern</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a> għall-problemi mal-fornituri tas-servizzi finanzjarji, jew lill- ECC-Net għall-problemi mal-kummerċjanti. </p> <p> Tista’ wkoll tirrapporta każijiet ta’ diskriminazzjoni tal-IBAN <span class="nolink">hawnhekk</span> <a href="https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/payment-services/iban-discrimination_en" target="_blank" class="language" title="English">en</a> . Dan se jippermetti lill-Kummissjoni Ewropea tissorvelja mill-qrib u tgħin biex jissolvew ilmenti ta’ diskriminazzjoni tal-IBAN li jkunu ġew sottomessi lill-awtorità nazzjonali kompetenti. </p> <h2> Ċekkijiet </h2> <p> Ir-regoli tal-UE dwar it-tariffi tal-banek għal pagamenti internazzjonali u nazzjonali <strong>ma japplikawx għaċ-ċekkijiet</strong>. </p> <p class="warning"> Xi kultant ikun hemm <strong>tariffi ta' tranżazzjoni għoljin wisq</strong> biex wieħed isarraf ċekk minn pajjiż ieħor tal-UE. F’ħafna pajjiżi, iċ-ċekkijiet <strong>lanqas għadhom jiġu aċċettati</strong> bħala mezz ta’ pagament. </p> </div> <div class="article-related ye-faqs"> <h2>Mistoqsijiet frekwenti</h2> <ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/faq/index_mt.htm">Mistoqsijiet frekwenti - Pagamenti, trasferimenti u ċekkijiet</a></li> </ul> </div> <div class="article-related eu-legislation"> <h2>Leġiżlazzjoni tal-UE</h2> <ul> <li><a href="https://eur-lex.europa.eu/legal-content/mt/TXT/?qid=1510652446792&uri=CELEX:32015L2366" data-linkid="3d79fc38-d96c-45af-b61b-92e841c1d677" title="Id-Direttiva tal-UE dwar is-servizzi ta’ pagament">Id-Direttiva tal-UE dwar is-servizzi ta’ <span class="label-end"><span>pagament</span><svg focusable="false" aria-label="Iftaħ bħala link estern"> <title>Iftaħ bħala link estern</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a></li> <li><a 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