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Complaint to a bank or financial firm before the Arbiter (Malta)

Malta · in English · for consumers

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For a customer in Malta with a complaint against a bank, insurer, payment or investment firm: a wrong charge, a refused claim, a transfer gone astray, poor service. The letter is the written complaint the firm must receive first, and asks for a final response within 15 working days. Send it within two years of first knowing of the matter: the Arbiter for Financial Services hears only complaints made to the firm in that time. If the answer does not satisfy you, or none comes, you can then take the complaint to the Arbiter through its online form. Send it by email and keep a copy.

  • Last updated November 3, 2026
  • Document in English

Published byDocMuse

When to use this document

  • Your bank in Malta took fees you never agreed to and will not refund them.
  • Your insurer in Malta refused your claim and you think the refusal is wrong.
  • A transfer from your account in Malta went missing and the bank gives no answer.
  • You want to make a written complaint to a bank in Malta before going to the Arbiter.

What you fill in

The details the document asks for.

  • Sender
  • Sender's address
  • City
  • Sender's postcode
  • Date
  • Provider
  • Provider's address
  • Account number
  • What the complaint is about
  • Amount claimed
  • Requested outcome

Common questions

Do I have to complain to my bank before going to the Arbiter in Malta?
Yes. The Arbiter for Financial Services hears a complaint only after the firm has had the chance to deal with it. Send your complaint in writing and allow at least 15 working days for a reply; a firm that cannot answer in that time for exceptional reasons must say why, and may take up to 35 working days (article 21A of Cap. 555). Keep a copy of the letter and of every answer.
How long do I have to take a complaint to the Arbiter for Financial Services in Malta?
The time limit falls on your complaint to the firm: the Arbiter hears a complaint only if it was made to the firm in writing within two years of the day you first knew of the matter (article 21(1)(c) of Cap. 555). Do not wait: write to the firm as soon as you can, then go to the Arbiter once it has answered or had time to answer. The Arbiter takes complaints through the online form on its website.
Which firms can I complain about to the Arbiter in Malta?
Banks, insurers, investment firms, payment and electronic money institutions and other financial services providers licensed in Malta, for complaints by their customers about the services they provided. Ask the firm for its complaints procedure first; many have an online form. A card payment for goods never delivered can also be disputed with a chargeback request to the card issuer.

How you can sign this document

  • Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
  • Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked

DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.

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