The Office of the Arbiter for Financial Services (OAFS) in Malta provides an independent and impartial mechanism of resolving disputes outside of the courts’ system, filed by customers against financial services providers authorised by the Maltese financial services regulator.

We're here to guide you on how to best approach an issue. 

If you would like to know more about our setup, please click on ABOUT US.

You may contact us informally to enquire about a situation you're experiencing. Reach us here.

If you are unable to find what you’re looking for or you would like to ask us a question, please click here.

How to Complain in 3 Steps

Step 1

Submit a complaint with your provider first

Quick & Helpful tips 

Step 2

If the response from the provider is not satisfactory

Learn more here

Step 3

Submit your complaint with us

or download PDF

Notice of Temporary Office Closure – COVID 19

Effective Friday 12 March 2021  

The Office of the Arbiter for Financial Services has been closely monitoring developments in regard the persistent COVID-19 spread among the community and continues to observe the authorities’ warnings and advises.  Our first priority is the continued safety of our employees. Public health officials continue to advise that social distancing is the most effective strategy to prevent the spread of the virus.  As such, the office will be temporarily closed, and staff will be working remotely. Please visit our “Contact Us” page for details on how you can get in touch with us.  We appreciate your support and understanding of this decision.

Enquiries & Minor Cases

This is our service to help you sort out small cases or queries informally. You may contact us to enquire about a situation you're experiencing. We're here to guide you on how best to approach an issue.

Submit an Enquiry


Browse the Arbiter's Decisions, by year, to find out more about investigation findings and conclusions.

View Arbiter's Decisions



Cross-Borders Complaints

Dispute with a financial services provider located in another EU/EEA country.

Learn more