Student accounts made smart and simple

Unlock financial freedom with a Moneybase Student Account, a seamless and digital way to manage your finances effortlessly and securely. Set up your free student account online in minutes.

Boost your first stipend with a €40 bonus

Receive your first stipend on your Moneybase account, and we’ll top it with a €40 stipend bonus. Consider it our way of saying welcome aboard and good luck with your studies!

Send money in seconds

Splitting pizza or paying back a friend? Send and receive money instantly, free of charge.

Multi-currency cards, built for your everyday

Shop online, in-store, or abroad with your Moneybase multi-currency card. Secure, flexible, and with the best foreign exchange rates.

Step into the world of investments

Tap into investments once you’re 18 years old. Unlock access to over 20,000 global stocks, ETFs, bonds, funds, plus a monthly free trade on U.S. exchanges. Tesla, Apple, and the S&P 500 – you can find all the global names on the Moneybase app!

Add personality to every payment

Tap into designs that reflect your mood, energy, and style. Select your favourite card colour through the Moneybase app. Go virtual for instant access to spending – fast, safe and ready when you are!

More than a student account

Moneybase is more than a place to receive your stipend. It’s your all-in-one platform to spend, save, invest, and keep track of your money, with the same simplicity as your favourite apps.
Save on currency exchange
With a student account, you can make the most of your money by accessing some of the best currency exchange rates available in Malta. Whether you’re shopping online, paying in-store while abroad with your card, exchanging currency manually, or sending money overseas, you’ll always benefit from highly competitive foreign exchange rates.
Monitor your spending
Get full control of your money with real-time analytics. Instantly track your spending, view investments, and receive notifications every time your card is used. Your balance updates automatically, and the spending analytics section lets you compare weekly and monthly habits to stay on track with your savings goals.
Free stock trade
Students aged 18+ can access the largest selection of investments in Malta, with over 20,000 assets to explore. From global stocks to ETFs and more, you can start building your first investment portfolio with ease. Plus, your first trade of the month of up to €1000 on U.S. exchanges is completely free, giving you the perfect opportunity to begin your investment journey at no extra cost.
4.34% APY daily returns
Grow your savings with cash funds, a low-risk and flexible way to earn up to 4.34% APY* daily. Add and remove money at your own pace, start from only €10 with no fees to buy or sell.
Payments across the globe
Send and receive money from over 185 countries, making it simple to stay connected financially wherever you are. With completely free SEPA payments across the EU and EEA, managing expenses, sending and receiving money is stress-free and quick.

Tap and pay with devices you carry every day 

No wallet? No problem. Connect your card to Apple Pay, Google Pay, Xiaomi Pay, or Garmin Pay and pay for coffee, lunch, and books with just a tap using your phone or smartwatch.

Download the award winning app today

All under your control, 24/7

With the Moneybase app you have total control over your card security.

View and change pin

Easily view or change your card PIN anytime, right from the app. No need to call or visit a branch – your card security stays in your hands.

Freeze or cancel card

Lost your card or spotted something suspicious? Instantly freeze or cancel it with a tap. Add a new virtual card and keep spending while you sort things out

Card security, your way

Your card works exactly the way you want it. Easily enable or disable swipe, contactless, ATM, and online payments.

Get rewarded to travel

Discover more rewards with Moneybase. Travel savings with global brands such as booking.com, rentalcars.com, EasyJet Plus, and Heathrow Express.
Get rewarded to travel

Open a student account in minutes

Open your free student account to receive your stipend and take control of your finances. No hidden fees, no stress, just a smart and simple way to manage your money.

FAQs

Can’t find the answer you are looking for? Please get in touch!

Yes. Moneybase is regulated by the Malta Financial Services Authority. We do not lend any of the money that you place in your account. It always remains yours, protected, and secure.

If you notice fraudulent transactions or something goes wrong with an online purchase, you can contact our customer support team to initiate a Mastercard Chargeback and get your money refunded at no cost.

Yes, we have four Calamatta Cuschieri Moneybase branches located in Fgura, Sliema, Birkirkara, and Mosta. You can visit any of these branches to collect a non-personalised Moneybase card or get assistance with your Moneybase account.

You can also contact our customer support team, available 7 days a week via the in-app live chat or on +356 25 688 688.

Anyone aged 16 or over, with a valid identification document and a postal address in a Moneybase-supported country, is eligible to open a student account. Users aged 16 to 17 have access to all features, except for investments, which become available upon turning 18.

International students are also eligible, provided they reside in a supported country and can supply both a valid identification document and proof of address.

Opening a Moneybase Student Account is completely free, with no monthly fees. To open a Moneybase Student Account, simply download the app, complete your verification, and set up your account in minutes.

Your Moneybase Student Account will be ready for use in just a few minutes, after the onboarding has been completed and your account verified/approved.

After opening your Moneybase Student Account, click on the ‘Details’ button on the Home page of the Moneybase app, copy the IBAN, and use it when filling in your maintenance grant details.

Once you receive your first stipend into your Moneybase Student Account, we will fund your account with a €60 bonus! If you have already received the stipend bonus in previous years, you will not be eligible again. However, you may still qualify for a €75 salary bonus.

Several banks in Malta offer student bank accounts. An alternative worth considering is the Moneybase Student Account, which provides a more advanced and modern web and mobile experience for managing your spending and investments – complete with customisable security features and regulated by The Malta Financial Services Authority.

To open a Moneybase Student Account you will need a valid identification document. In case you’re using your passport, you will need to provide a proof of address. If you have any issues opening a student account, contact our customer support team available 7 days a week through the in-app live chat or by calling +356 25 688 688.

Yes, students aged 18 or over can invest in stock, bonds, funds, cash funds, ETFs, and more, directly through the Moneybase app or web platform.

If you’re under 18 years old, you can still open a Moneybase Student Account and access all other features, but investment services will only become available once you reach 18 years of age, in line with regulatory requirements.

Terms & Conditions for the stipend bonus and the double stipend giveaway


Terms & Conditions for on campus activities/offers


*The APY (Annual Percentage Yield) is presented as of 02/09/2025 and based on information provided by the fund manager, UBS (IRI). Please note that the annual interest rate changes on a daily basis and might move in an unfavourable direction. The value of your investments may go down as well as up and may be affected by changes in currency. Before making any investment decision please carefully examine the Key Information Documents (KIDs) available on Moneybase platform in the instrument details section, or contact us at any time for assistance.