Send money to Malta from the United States
Grey sends money from the US to Malta directly to major bank accounts in euros. The live USD to EUR rate and total fee are shown before you confirm. Bank of Valletta, HSBC Malta, and APS Bank are all supported. Transfers via SEPA / SEPA Instant typically arrive within minutes. Grey is a licensed financial services provider, regulated by FinCEN.
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Send money to Malta, straight to any bank account
When you send money to Malta through Grey, the transfer goes directly into your recipient's bank account in euros. Bank of Valletta, HSBC Malta, and APS Bank are all supported. Enter the account details, confirm the rate and fee, and send.
Your recipient does not need a Grey account. The euros arrive in their banking app typically within minutes of you confirming. No branch visit, no wire forms, no delays.
The total cost of a transfer is the fee and the exchange rate together. Some services advertise zero fees but mark up the rate. On a $1,000 transfer, a 2% rate markup costs more than a $20 fee. Grey shows both numbers on the same screen before you tap Send.
How to send money to Malta from the United States
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid US government-issued ID. Grey Inc is regulated by FinCEN.
Fund
Add money from your US bank account via ACH transfer or wire, or send directly from your existing Grey balance.
Send
Enter your recipient's Maltese bank IBAN. Confirm the live USD to EUR rate and fee. Send. The money typically arrives within minutes.
How much does it cost to send money to Malta
Every transfer from the US to Malta involves two costs: the visible fee and the exchange rate margin. Most services hide their margin in the rate, so a transfer advertised as zero fees can quietly cost more than one with a transparent fee.
The exchange rate is usually the bigger factor on larger transfers. On a USD 500 transfer, a 1% rate difference changes the euro amount your recipient receives by roughly 4.60 EUR. A provider advertising no fee but applying a 2% rate markup costs more than one charging USD 5 with a rate close to the mid-market.
Grey shows the fee and the exchange rate separately before you tap Send. The euros amount your recipient will receive is on screen before you confirm. The rate shown is the rate applied. There are no adjustments after the fact.
How exchange rates work: USD to EUR
The USD to EUR exchange rate determines how many euros your recipient receives. On a USD 1,000 transfer, a 1% difference in the rate changes the EUR amount significantly. On recurring or large transfers, that gap compounds.
Grey shows the live USD to EUR rate before you confirm. The rate on screen is the rate applied. Grey charges a 1% conversion fee capped at $6, and a 0.5% withdrawal fee (minimum €2, capped at €10), both shown before you send.
EUR is a Group A currency in Grey's fee structure, which means the conversion fee is capped at $6 regardless of the transfer amount. On a USD 1,000 transfer, the effective conversion fee is 0.6%, not 1%.
How fast is each provider?
Grey delivers to Maltese bank accounts via SEPA / SEPA Instant typically within minutes from a funded balance. Wise typically settles in 1-2 business days. Traditional bank wires are the most expensive option for most transfer amounts.
What your recipient sees in Malta
Your recipient does not need a Grey account. The euros arrive in their Maltese bank account as a standard credit via SEPA / SEPA Instant. It appears the same way any domestic transfer would.
Bank account delivery
Grey sends to major Maltese banks including Bank of Valletta, HSBC Malta, and APS Bank. Enter the account number and IBAN in the Grey app. Withdrawal fee: 0.5% min €2 cap €10.
Transfer speed
SEPA (Single Euro Payments Area) covers all Eurozone countries. SEPA Instant is available for transfers that need to arrive faster. Transfers from a funded Grey balance typically arrive within minutes. If funding via ACH, allow 1-2 business days for the deposit to reach your Grey balance first.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds, in any currency.
Ways to fund your transfer
Whether you are transferring money to Malta for the first time or the fiftieth, Grey gives you three funding options
ACH transfer
Link your US bank account and fund via ACH. It is typically the lowest-cost deposit method. ACH transfers take 1-2 business days to reach your Grey balance. Fee: 0.8% of the deposit amount, minimum $2.
Wire transfer
Fund via domestic wire from your US bank. Grey receives wire funds the same day. Your bank may charge its own wire fee separately.
Grey balance
If you already hold USD in your Grey balance, you can send without waiting for a deposit to clear. Fund your balance in advance and transfers go out immediately.
Which option is cheapest? Grey displays the fee for each funding method before you confirm, so you can compare and choose. There is no penalty for switching between them.
Send money to Malta for every reason that matters
Support family abroad
An expat in New York covering rent and bills in Valletta. A retiree in California sending their monthly living costs to Malta. A student in Boston managing accommodation fees while studying in Valletta. On recurring transfers, the capped conversion fee makes Grey predictable.
Own property in Europe
Paying a mortgage on a property in Valletta from a salary in the US. Contributing to a home purchase in Malta. Covering maintenance costs on a European property while working abroad. Grey's conversion fee is capped at $6 regardless of transfer size.
Pay your team or suppliers
A US company paying a supplier, contractor, or team member in Malta in euros. A freelancer in Valletta receiving payment from a US client. A business settling invoices with a Malta-based agency. Grey supports payments to Maltese bank accounts without requiring a separate business account.
Move or work abroad
Moving to Malta for work, retirement, or an extended stay. Covering living costs in Valletta while your US salary lands. Managing cross-border expenses in euros. Grey shows the full cost before you confirm.
Your reasons may be different, but the need is the same: the money has to get there, the cost has to be clear, and the app has to work the same way it did last month. Do it all on Grey, with the rate and fee shown before every transfer.
Best way to send money to Malta from the United States
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.
FAQs
How long does it take to send money to Malta from the US?
Transfers from a funded Grey balance to Malta typically arrive within minutes via SEPA / SEPA Instant. If funding via ACH, allow 1-2 business days for the deposit to reach your Grey account first.
What is the fee for sending money to Malta from the US?
Grey charges a 1% conversion fee on USD to EUR transfers, capped at $6. The withdrawal fee is 0.5% of the transfer amount, minimum €2, capped at €10. The ACH deposit fee is 0.8% of the deposit amount, minimum $2. All fees are shown before you confirm.
Which Malta banks does Grey support?
Grey supports transfers to major Malta banks including Bank of Valletta, HSBC Malta, and APS Bank. Enter the account number and IBAN in the Grey app.
What is the USD to EUR exchange rate today?
The live USD to EUR rate is shown inside the Grey app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Grey does not adjust the rate after you send.
Does my recipient need a Grey account to receive money in Malta?
No. Your recipient does not need a Grey account. The euros arrive in their Malta bank account as a standard credit via SEPA / SEPA Instant, the same way any domestic transfer would appear.
Is Grey safe for sending money to Malta?
Grey Inc is registered with FinCEN, the US financial intelligence and regulatory agency. Grey is a licensed financial services provider, not a bank, regulated under US financial regulations.
How much can I send to Malta from the US?
The daily limit is $10,000 and the monthly limit is $30,000. The minimum transfer is $10. All limits are shown in the Grey app before you send.
Why is Grey's conversion fee for Malta capped at $6?
EUR is a Group A currency in Grey's fee structure. Group A applies a 1% conversion fee capped at $6. On a $1,000 transfer, the effective fee is 0.6%, not 1%. The cap makes larger transfers predictably cheaper.
Is it cheaper to send money to Malta with Grey or a bank wire?
Significantly cheaper in most cases. US bank wires to Malta typically cost $25-50 in visible fees plus an exchange rate 2-4% below mid-market. Grey charges a 1% conversion fee (capped at $6) and a 0.5% withdrawal fee (capped at €10), both shown before you confirm.
Can I send money to Malta from a Grey balance?
Yes. If you hold USD in your Grey balance, you can send to Malta without waiting for a bank deposit to clear. Transfers from a funded Grey balance typically begin within seconds.
What is SEPA / SEPA Instant and how does it work for transfers to Malta?
SEPA / SEPA Instant is the bank transfer network used in Malta. Grey routes transfers through SEPA / SEPA Instant, which delivers to all major Malta banks typically within minutes from a funded balance.
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