Ftuħ ta' kont bankarju bażiku fl-UE

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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 class="current"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_mt.htm"><span>Kontijiet bankarji <span class="label-end"><span>fl-UE</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/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><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/index_mt.htm">Pagamenti, trasferimenti u ċekkijiet</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 mill-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/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 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/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/merging-businesses/index_mt.htm">Il-fużjonijiet tal-kumpaniji</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/emas-registration/index_mt.htm">Reġistrazzjoni fl-EMAS</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> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/registration-permits-licences/index_mt.htm">Reġistrazzjoni, permessi u liċenzji</a></li> <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/biotech/index_mt.htm">Il-bijoteknoloġija u l-bijomanifattura</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><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">Ħaddiema fis-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> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/pensions/index_mt.htm">L-obbligi ta’ min iħaddem b’rabta mal-pensjoni</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/selling-products-safely/index_mt.htm">Il-bejgħ ta’ prodotti sikuri fl-UE</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>Kontijiet bankarji fl-UE</li> </ol> </nav> </div> <main id="main-content" class="container"> <h1>Kontijiet bankarji fl-UE</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"> <h2>Dritt għal kont bankarju</h2> <p>Forsi tixtieq tiftaħ jew teħtieġ tiftaħ kont bankarju f'pajjiżek jew f'<a class="abbr" title="F'dan il-każ - it-28 stat membru tal-UE" aria-label="F'dan il-każ - it-28 stat membru tal-UE">pajjiż ieħor tal-UE</a>.</p> <p>Jekk int legalment residenti f'pajjiż tal-UE int intitolat li tiftaħ "kont ta' pagament bażiku". Il-banek <strong>ma jistgħux jirrifjutaw l-applikazzjoni tiegħek għal kont ta' pagament bażiku</strong> sempliċement għax int ma tgħixx fil-pajjiż li fih hu stabbilit il-bank.</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>Id-dritt ma japplikax għal tipi oħrajn ta' kont bankarju, bħall-kontijiet tas-savings.</p> </div> </div> <h2>Meta tista' tkun rifjutat kont ta' pagament bażiku mill-banek</h2> <p>Tista' tkun rifjutat kont jekk int <strong>ma tikkonformax</strong> <a href="https://eur-lex.europa.eu/legal-content/MT/TXT/?uri=CELEX:32015L0849" data-linkid="5e8eed2e-d1f0-49eb-b51f-f8f61b75a837">mar-regoli tal-UE dwar il-ħasil tal-flus u l-finanzjament <span class="label-end"><span>tat-terroriżmu</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> .</p> <p>F'xi pajjiżi tal-UE, tista' tkun rifjutat kont bankarju bażiku jekk int <strong>diġà għandek kont simili</strong> ma' bank ieħor fl-istess pajjiż.</p> <p>Jekk qed tapplika għal kont ta' pagament bażiku barra l-pajjiż li tgħix fih, il-banek f'xi pajjiżi tal-UE jistgħu wkoll jitolbuk tipprova l-interess ġenwin tiegħek għaliex tixtieq tagħmel dan – pereżempju jekk tgħix f'pajjiż iżda taħdem f'ieħor.</p> <h2>Karatteristiċi ta' kont bażiku</h2> <p>"Kont ta' pagament bażiku" hu kont li <strong>jkopri t-tranżazzjonijiet standard</strong> li int tuża fil-ħajja ta' kuljum bħal:</p> <ul> <li>depożiti</li> <li>ġbid ta' flus</li> <li>tirċievi u twettaq pagamenti (pereżempju debiti diretti jew xiri bil-kards)</li> </ul> <p>Jeħtieġlu wkoll <strong>jinkludi kard ta' pagament</strong> li tista' tuża biex tiġbed flus kontanti u tagħmel ix-xiri - kemm online kif ukoll fil-ħwienet.</p> <p>Fejn disponibbli, il-bank jeħtieġlu <strong>jinkludi l-aċċess għall-ibbankjar online</strong> bil-kont tiegħek. Madankollu, huma mhux dejjem għandhom jinkludu faċilità ta' overdraft jew ta' kreditu.</p> <p>F'xi pajjiżi tal-UE, il-bank tiegħek <strong>xorta jista' jitolbok tariffa annwali</strong> għal dan il-kont ta' pagament bażiku. Din it-tariffa għandha tkun raġonevoli.</p> <div class="example"> <h4>Storja bħala eżempju</h4> <h5><strong>Ma għandekx bżonn tgħix f'pajjiż tal-UE biex ikollok kont hemm</strong></h5> <p>Sándor qabad jaħdem għal kumpanija bbażata fis-Slovenja filwaqt li kompla jgħix fl-Ungerija. Huwa ddeċieda li jiftaħ kont bankarju fis-Slovenja biex jużah għall-ispejjeż ta' kuljum, minbarra l-kont bankarju Ungeriż.</p> <p>Hu sab bank Sloven ħdejn l-impjieg tiegħu u talab biex jinfetaħlu kont bankarju bażiku. Il-bank ħallih jiftaħ kont minkejja li ma kienx qed jgħix fis-Slovenja.</p> <p>Il-banek ma jistgħux sempliċement jirrifjutawlek kont bażiku għax int ma tgħixx fil-pajjiż.</p> </div> <h2>Informazzjoni dwar it-tariffi</h2> <p>Qabel ma tiftaħ il-kont tiegħek, il-bank għandu jagħtik dokument li juri s-servizzi l-aktar importanti offruti fuq il-kont u <strong>kwalunkwe tariffa relatata li hemm mnejn ikollok tħallas</strong>. Dan huwa magħruf bħala "dokument ta' informazzjoni dwar it-tariffi". Tista' tużah biex tqabbel l-ispiża ta' kontijiet f'banek differenti.</p> <p>Ta' mill-anqas darba fis-sena, il-bank tiegħek għandu jagħtik ukoll dikjarazzjoni li tispjega <strong>t-tariffi mġarrba fil-kont bankarju tiegħek</strong>. Dan id-dokument dwar id-"dikjarazzjoni tat-tariffi" għandu jagħti wkoll informazzjoni dwar ir-rati tal-imgħax applikati għall-kont tiegħek.</p> <h2>Meta taqleb kontijiet bankarji</h2> <p>Tista' taqleb il-kont bankarju tiegħek għal kont bankarju ieħor fl-istess pajjiż tal-UE. Il-bank il-ġdid tiegħek jeħtieġlu jgħinek b'dan.</p> <p>Jekk tixtieq taqleb għal kont ġdid fl-istess pajjiż, għid lill-bank il-ġdid tiegħek li tixtieq taqleb u tittrasferixxi l-pagamenti rikorrenti tiegħek għall-kont il-ġdid.</p> <p>Imbagħad il-bank il-ġdid <strong>jiżgura li l-bank il-qadim tiegħek jittrasferixxi d-<em>data</em> u jikkanċella kwalunkwe standing order</strong>. Il-bank il-ġdid għandu wkoll:</p> <ul> <li>jinforma lill-partijiet terzi – bħal min iħaddmek, il-provvedituri tas-sigurtà soċjali u l-provvedituri tal-utilitajiet – li int qed tibdel il-kont tiegħek</li> <li>jistabbilixxi l-istanding orders il-ġodda tiegħek</li> <li>jaċċetta debiti diretti rilevanti fil-kont il-ġdid</li> </ul> <p class="warning">Għandu mnejn tintalab tariffa jekk tiddeċiedi li tagħlaq il-kont il-qadim tiegħek.</p> <p>Jekk int ikollok tħallas spejjeż waqt il-proċedura tal-qlib għax il-bank jimmissja limitu ta' żmien (biex tikkanċella pagament pereżempju) jew jagħmel xi żball, huma <strong>għandhom jirrimburżaw dawn l-ispejjeż</strong>. Jekk għandek kwalunkwe diffikultà, tista' tieħu l-kwistjoni quddiem l- <a data-linkid="8f18ff28-46b3-45f0-b191-f967f3603c28" href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_mt.htm" data-master-href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_en.htm" title="l-iskema tas-soluzzjoni għat-tilwim barra l-qorti">iskema tas-soluzzjoni għat-tilwim barra l-qorti</a>.</p> <div class="example"> <h4>Storja bħala eżempju</h4> <h5>Il-qlib ta' kontijiet bankarji mhux dejjem jimxi ħarir</h5> <p>Meta Suzanne ġarret minn Toulouse għal Pariġi, iddeċidiet li tmexxi l-kont bankarju tagħha għall-bank lokali tagħha f'Pariġi. Hi talbet lill-bank il-ġdid tagħha f'Pariġi biex jittrasferixxi l-pagamenti kollha tagħha għall-kont il-ġdid u biex jagħlaq il-kont il-qadim tagħha f'Toulouse.</p> <p>Il-bank f'Pariġi qal lill-bank f'Toulouse biex jikkanċella l-istanding orders kollha tagħha u biex jagħlaq il-kont ta' Suzanne. Imbagħad huma stabbilixxaw standing orders mill-kont il-ġdid tagħha. Madankollu, huma nsew javżaw lill-provveditur tas-servizz tal-mowbajl tagħha, u Suzanne ġiet immultata meta l-istanding order għall-kuntratt tal-mowbajl tagħha ma saritx fil-ħin.</p> <p>Suzanne lmentat mal-bank f'Pariġi. Huma qablu li jirrimburżawlha l-ispiża tal-multa u li jikkoreġu l-pagament tal-istanding order għall-kuntratt tal-mowbajl.</p> </div> <h2>Flusek protetti fl-UE</h2> <p>Ir-regoli tal-UE jiżguraw li l-flus fil-kont tal-bank tiegħek (kontijiet ta' tfaddil u/jew kurrenti) huma protetti jekk il-bank li jkollu l-kont tiegħek ifalli. Flusek <strong>huma protetti sa limitu ta' EUR 100 000</strong> jew l-ekwivalenti f'munita lokali. Dan il-limitu <strong>japplika għal kull persuna għal kull bank</strong>, jiġifieri jekk għandek diversi kontijiet fl-istess bank, il-limitu ta' EUR 100 000 japplika għall-kontijiet aggregati tiegħek.</p> <p>Hemm <strong>xi eċċezzjonijiet</strong> għal din ir-regola. Jekk għandek kont konġunt mal-partner tiegħek, pereżempju, il-limitu ta' EUR 100 000 japplika għal kull wieħed minnkom, jiġifieri sa massimu ta' EUR 200 000 għal kont konġunt tagħkom. Barra minn hekk, flusek se jkunu wkoll protetti 'l fuq minn EUR 100 000 f'ċerti każijiet oħra għal żmien limitat, bħal:</p> <ul> <li>flus li tirċievi minn bejgħ ta' proprjetà residenzjali privata</li> <li>flus li tirċievi marbutin ma' avveniment partikulari f'ħajtek bħal żwieġ, divorzju, irtirar, tkeċċija, senjsar, invalidità jew mewt ta' membru tal-familja</li> <li>flus li tirċievi mill-pagament ta' benefiċċji ta' assigurazzjoni jew kumpens għal korrimenti kriminali jew kundanna inġusta</li> </ul> <p>F'dawn il-każijiet, l-ammonti huma protetti 'l fuq minn EUR 100 000 tal-anqas għal tliet xhur u mhux aktar minn 12-il xahar wara li l-flus ikunu ġew ikkreditati, jew mill-mument meta l-flus saru legalment trasferibbli, skont il-kundizzjonijiet u l-limiti stabbiliti minn kull pajjiż tal-UE.</p> </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/?uri=CELEX:32018R0033#d1e36-34-1" data-linkid="f40185a9-8923-4b36-8cd9-7a34497b0544" title="Ir-Regolament ta’ Implimentazzjoni tal-Kummissjoni li jistabbilixxi format ta’ preżentazzjoni standardizzat għad-dikjarazzjoni tat-tariffi">Ir-Regolament ta’ Implimentazzjoni tal-Kummissjoni li jistabbilixxi format ta’ preżentazzjoni standardizzat għad-dikjarazzjoni <span class="label-end"><span>tat-tariffi</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 href="https://eur-lex.europa.eu/legal-content/MT/TXT/?uri=CELEX:32014L0049" data-linkid="55ee7684-93bc-43b7-9ab2-2d8490ad313d" title="Id-Direttiva tal-UE dwar l-iskemi ta’ garanzija tad-depożitu biex tipproteġi d-depożitaturi ta’ istituzzjonijiet ta’ kreditu">Id-Direttiva tal-UE dwar l-iskemi ta’ garanzija tad-depożitu biex tipproteġi d-depożitaturi ta’ istituzzjonijiet ta’ <span class="label-end"><span>kreditu</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 href="https://eur-lex.europa.eu/legal-content/MT/TXT/?uri=CELEX:32015L0849" data-linkid="63cf6512-4cf3-4b6e-995b-34e72ced2b0e" title="Ir-4 Direttiva dwar il-Ġlieda Kontra l-Ħasil tal-Flus">Ir-4 Direttiva dwar il-Ġlieda Kontra l-Ħasil <span class="label-end"><span>tal-Flus</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 href="https://eur-lex.europa.eu/legal-content/MT/TXT/?uri=CELEX:32014L0092" data-linkid="b2347511-4415-4a5e-b6bf-6a92ae1f0ffb" title="Id-Direttiva 2014/92/UE dwar il-komparabbiltà tat-tariffi relatati mal-kontijiet tal-ħlas, il-bdil tal-kontijiet tal-ħlas u l-aċċess għal kontijiet tal-ħlas b’karatteristiċi bażiċi">Id-Direttiva 2014/92/UE dwar il-komparabbiltà tat-tariffi relatati mal-kontijiet tal-ħlas, il-bdil tal-kontijiet tal-ħlas u l-aċċess għal kontijiet tal-ħlas b’karatteristiċi <span class="label-end"><span>bażiċi</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 href="https://eur-lex.europa.eu/legal-content/MT/TXT/?uri=CELEX:32018R0034#d1e35-43-1" data-linkid="58922f3e-0c14-4578-9f3f-83f13d7a358c" title="Ir-Regolament ta’ Implimentazzjoni tal-Kummissjoni li jistabbilixxi format ta’ preżentazzjoni standardizzat għad-dokument ta’ informazzjoni dwar it-tariffi">Ir-Regolament ta’ Implimentazzjoni tal-Kummissjoni li jistabbilixxi format ta’ preżentazzjoni standardizzat għad-dokument ta’ informazzjoni dwar <span class="label-end"><span>it-tariffi</span><svg focusable="false" 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