Most common payment methods in Malta

Card and mobile apps are readily accepted most places in Malta and Gozo, contactless has been big since Covid.

Revolut is probably the most used app here for payments and transfers. Lots of shops have Revolut QR codes posted or if they run their own shop they'll show you their QR code on their phone, or someone can provide you with the phone number to send money to.

BOV pay if you have a BOV account is also used a fair bit.

However, there are still some places that only accept cash, especially market stalls/vans in Gozo. I've paid for taxis using Revolut but some prefer cash, most people use Bolt or Ecabs, or maybe Uber (though the last one is really bad in Gozo as the drivers usually drive for multiple companies and Uber pays them the least), these can allow cash payment but most people have a card attached to the app.

Buses accept cash but prefer exact change, they will not be able to change notes. They have a contactless payment option if it's working. If you're moving here though you should apply for a Tallinja card as that will provide free bus travel.

Bank transfers are used for larger sums sometimes, especially when something is bought with an invoice. Many banks have bill payment options baked in so you can pay your ARMs bill that way if you don't have it set up by direct debit, there is also an option to pay by card on their website.

Expect bad electronic banking apps from the local banks. BNF went from a workable app to a new one and the changeover will probably be a masterclass in what not to do when people are teaching change management and banking systems in the future. It's been a while and it's still not fully functional. I've heard that BOV isn't great either...

Some places still accept cheques, a few places (like some of the schools) will only accept a cheque...

@the-mental-one

We always use Wise find them better than Revolut.