Savings Investments Home Loans Wealth Management About Us Contact Us Personal Log In Become a Client How can we help? FAQs Documents Who is MeDirect? Accounts Investments Home Loans Transfer of assets Corporate Actions Model Portfolios Mobile App Morningstar Safety Tax matters & legislation GDPR Complaints PSDII - Application Programming Interfaces (APIs) Who is MeDirect? Is MeDirect a Maltese Bank? What is the background of MeDirect? Who are the directors of MeDirect? Who are the shareholders of MeDirect? Accounts How do I become a client? What are the requirements to become a customer? Why do I need to disclose whether if myself or any of my relatives hold public office? Why do I need to disclose whether I am a US citizen, US resident alien or US tax resident? How do I open an account? Can I open a joint account online? Are there any fees to open and maintain an account? How can I register for Online Banking? How can I deposit funds in my account? How can I communicate with the Bank online? Is it possible to change my security or contact details online? What are the options to transfer money online? What is the maximum daily amount that I can transfer to another bank through Online Banking? Can I exchange currencies online? How is the currency exchange rate determined? Can I set up standing orders? What happens to my standing order if there are insufficient funds on my account? Can I set up future dated payments? How can I withdraw funds from my Me Accounts? Once I open a Fixed Term Deposit Account, can I later change the amount, rate or term? Will my Fixed Term Deposit be automatically rolled over upon its maturity? Where and when is the interest earned paid out? When is the interest earned paid out? What happens if interest rates go up or down? Can I access my account statements online? How do I complete a W-9 Form? How can I close an account? What happens if I pass away? Investments How can MeDirect help me invest? How do I open an Investment Account? How much does it cost to have an Investment Account? How can I fund trades made through my Investment Account? How do I place an order? How can I find the security I want to buy? Can I trade or transfer securities that are not currently offered on the Online Trading platform? What is the minimum order size? How do I know if my order has been executed? What order types are available? How are limit orders executed? How do I place a limit order? Can I cancel an order that I have submitted? When do I receive the proceeds from a sale? How can I track the securities in my portfolio? Are the prices quoted real time? What are the opening hours of the trading platform? Are there any transaction charges for trading? Do I have to pay custody fees? Where will my securities be held? Does MeDirect offer investment advice? Which stock markets can I invest on the Online Trading platform? Which bonds can be traded on the Online Trading platform? Which mutual funds can be traded on the Online Trading platform? Which ETFs can be traded on the Online Trading platform? What is the price that I will buy/sell a mutual fund for? What is the ongoing charge for mutual funds and ETFs? Home Loans How will I know if I am eligible for a MeDirect Home Loan? How much is the maximum amount I can borrow? How much would my initial deposit need to be? What do the terms primary and secondary residence mean? What is the Borrower-Based Measures Directive and how will it affect me as a borrower? How will I know under which Category will I, as a borrower, fall under? What is the maximum term I can avail of? What is the difference between Interest Rate & APR Rate? Can I effect extra repayments during the duration of the loan? What insurances will I need to have to be able to take out a home loan? Transfer of assets Can I transfer my existing portfolio of assets to MeDirect? Are there any fees for transferring my existing portfolio of investments to my Investment Account with MeDirect? What are the steps for transferring my portfolio? Corporate Actions What is the difference between a mandatory and a voluntary corporate action? What do I need to do If I hold shares in a company which is undergoing a Corporate Action? How will I receive corporate action information? Does MeDirect charge for administering corporate actions? Are there certain corporate actions not offered by MeDirect? How do I inform MeDirect regarding my preferred option? Why is the MeDirect deadline for corporate actions earlier than the company registrar deadline? Can MeDirect advise me on which election option I should take? What happens if I miss the deadline for returning my choice of option? Can I change my mind after sending you my election? Will MeDirect always have the same default election as the company's registrar? I submitted an election for a corporate action. Why can I no longer sell my related investment? I have heard that a company is planning a corporate action, when will MeDirect contact me about it? What should I do if I have not received information on a corporate action I was expecting to have received by now? How can I find out why a company has decided to undertake a corporate action? How do I submit my proxy vote as a shareholder? How do I receive new shares or rights arising from a corporate action? How is cash arising from a corporate action paid to me? How do I obtain a bonus share tax certificate for my Maltese equity investment? Does MeDirect provide cash dividend/coupon tax certificates? Model Portfolios What is a Model Portfolio? What are the criteria for the selection of funds? How can I invest in a Model Portfolio? What is the minimum amount to invest in a Model Portfolio? How much does it cost to invest in a Model Portfolio? What type of Model Portfolios can I choose from? How do I know which Model Portfolio is best for me? How long do I have to keep the Model Portfolio? How and when is the dividend payment of the Income Model Portfolio? Mobile App What is MeDirect Mobile Banking? What services are available via the MeDirect Mobile App? Who can use MeDirect’s mobile service? Is there a charge for the MeDirect Mobile App? Can I use MeDirect’s internet banking without the app? Is the MeDirect Mobile App compatible with all mobile devices? Is the MeDirect Mobile App compatible with tablets and wearables? How do I download the MeDirect Mobile App? How can I pair my MeDirect Mobile App to my accounts? What will my passcode upon registration be used for? Why do all numbers highlight when pressing a digit? How do I change my passcode? After how many incorrect login attempts will be access to MeDirect Mobile App be locked? What shall I do if I forget my app PIN or if I lock my MeDirect Mobile App? What does the ‘Unpair device’ option mean? What shall I do if my mobile is stolen? What shall I do if I change or lose my mobile device? Will my app session time out? How many devices can I register the app on? How many accounts can I register on one mobile device? Can I use my fingerprint or facial recognition to log in to the MeDirect Mobile App? What shall I do if my fingerprint scanner or facial recognition are not working? How can I switch off biometrics? Is the MeDirect Mobile App secure? Why is the ‘Accept’ button greyed out on the End-User License Agreement and on the Terms & Conditions? What is the preferred account? What is the gold star displayed near my account icon? How do I change my preferred account? Do the balances displayed in each account represent my Actual Balance or my Available Balance? Why are no accounts appearing in the “Accounts” tab? What does the date represent under each transaction? I am trying to make a transfer, but I cannot select my account in the "To" or “From” account field? Why is the “Make a Payment” button greyed out? What is the maximum daily amount that I can transfer to another bank through the Mobile App? Why is the Payment Narrative mandatory? How do I view my up-coming Me Account transactions? Can I set up future dated payments on the app? Can I edit or cancel my future-dated payments? How do I create a new beneficiary? How do I delete a beneficiary? Why can’t I enter my BIC? What is the Authorisation tab used for? Morningstar Who is Morningstar? What is the Morningstar Star Rating? What is the Morningstar Analyst Rating? What is the Synthetic Risk and Reward Indicator (SRRI) rating? What are the selection criteria of funds for the Model Portfolio? Safety Are the MeDirect accounts guaranteed by the Depositor Compensation Scheme? What is the Depositor Compensation Scheme? Is MeDirect a participant in the Investor Compensation Scheme? How can I be sure that my investment assets are protected no matter what happens to MeDirect? Tax matters & legislation What type of income or capital gain is subject to withholding tax in Malta? Is the income I earn from savings and investment products subject to foreign withholding tax? What is a W-8BEN form? How do I complete a W-8BEN form? What withholding tax options can I choose from? Does MeDirect offer foreign tax relief or foreign tax refund services? What are MeDirect PSD 2 APIs? GDPR What is GDPR? How does it affect my rights? What did MeDirect do about it? How does MeDirect protect client information? How does MeDirect communicate privacy information? What lawful basis does MeDirect use for processing data? How can you submit your consent to receive updates from MeDirect? Complaints Who shall I contact if I have a complaint? PSDII - Application Programming Interfaces (APIs) Where can third party developers find more information about MeDirect PSD 2 APIs? Savings Investments Home Loans Wealth Management News and Updates About Us Tech Blog Contact Us Support Follow Us: Mobile App: © 2021 MeDirect Bank (Malta) plc. All rights reserved. Cookie policyPrivacy NoticeTerms of UseSecurity awareness MeDirect Bank (Malta) plc, company registration number C34125, is licensed to undertake the business of banking in terms of the Banking Act (Cap. 371) and investment services under the Investment Services Act (Cap. 370). MeDirect Bank (Malta) plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994. We would like to collect data from your device while you use this website by using cookies. You can find more information in our cookie policy. Collecting this data helps us provide the best experience for you, keeps your account secure, helps us provide social media features and allows us to personalise adverts and service message content. 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