What Calamatta Cuschieri does

Calamatta Cuschieri is a Malta-based, publicly listed financial services group founded in 1972 by Alfred Calamatta, now operating under the parent company Calamatta Cuschieri Moneybase Plc (registered 2018, listed on the Malta Stock Exchange with ticker CCF01). The group serves Maltese retail investors, high-net-worth individuals, corporate treasury clients, and capital markets issuers through a hybrid physical-branch and digital platform model — four branches across Birkirkara (HQ), Fgura, Sliema, and Mosta, complemented by the CCTrader online trading platform (launched 2011, fractional stocks/ETFs added Feb 2021) and the Moneybase payments-and-investments super-app. Wholly-owned subsidiaries include CCFunds (UCITS SICAV with €120M+ AUM across 8 sub-funds, selected via the proprietary CCFSM factor model), CC Fund Services (third-party fund administration), and Brand & Pepper (marketing agency). Two acquisitions — Crystal Finance Investments (Mar 2016) and Financial Planning Services (Nov 2019) — expanded advisory capacity past the 100-employee milestone.

The group monetizes through transaction fees on equity trading (advisory rates from 0.70%, €30 minimum per ticket), bond trading (0.30% MSE / 1% international), and fund purchase fees (2%); recurring management and advisory fees on a €600M+ wealth management portfolio and €2.3B total AUMA; subscription-based Moneybase business accounts (plans from €119.88/year) and free personal SEPA IBAN accounts; tied-insurance pension distribution via IVALIFE with €25/month minimums; and corporate broker/IPO advisory fees from Malta Stock Exchange bond and equity issuance mandates. The group reports €2.3B in assets under management and administration, 30,000+ clients, and 180+ employees, with no disclosed revenue figure. Distribution combines sales-led advisory at branches, product-led growth on CCTrader/Moneybase, and a broker/introducer/white-label channel for EU-licensed IFAs and FATF-country financial firms. Partnerships include Mastercard (card issuance), SEPA (34-country payment network), Xero (SMB accounting integration, 2026), UBS (LUX fund distribution, 2017), and iShares/Tier-1 ETF providers.

The customer base is predominantly long-tail individual Maltese investors (€1k-€350k standard accounts, €350k+ dedicated wealth management), supplemented by capital markets issuers (multiple MalteSE bond listings including QLZH Holding, ELL Finance, IHI, ACS Finance, AGB Finance, Challenge Aviation, SD Finance) and local banking relationships (Bank of Valletta, HSBC Malta). Multiple group entities are MFSA-licensed (investment services, investment management, financial institution), and CC Investment Services Limited holds ISO 9001 certification (Nov 2020). No AI/ML capabilities, external funding rounds, or cross-border expansion are evidenced; recent strategic activity is concentrated on product modernization (Moneybase), regulatory credentialing, and organic branch development.

Name

Calamatta Cuschieri

Legal name

Calamatta Cuschieri Moneybase plc

Website

https://cc.com.mt

Company type

Public

Founded year

1972

Operating status

Operating

Headcount range

101–250 employees

Short description

Calamatta Cuschieri is a Malta-based, publicly listed financial services group (founded 1972) serving 30,000+ individual, corporate, and capital-markets clients with €2.3B AUMA across 4 branches, an online trading platform (CCTrader), and the Moneybase payments-and-investments super-app.

Ownership category

akta.pro rank

Product category

Investment Advisory & Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)

akta.pro primary industry

Institutional Consulting RIAs (OCIO/Endowments/Foundations/Pensions) (FSAAACAG)

akta.pro secondary industries

Safekeeping for Private Assets & Alternatives (Private Equity, Real Assets, OTC) (FSAFAHAI), Fund Custody & Depositary Services (UCITS/AIFMD & Mutual Funds) (FSAFAHAD)

Keywords

• Investment advisory
• Wealth management
• Online trading
• Capital markets
• Pension management

Headquarters

HQ city

Birkirkara

HQ country

Malta

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Investment Advisory & Trading Fees: Calamatta Cuschieri generates revenue through advisory fees on equity trading (starting from 0.70%), bond trading commissions (0.30% for MSE, 1% for international), and fund purchase fees (2%). Additional revenue from custody services, corporate action processing, and account service fees.
2. Wealth Management Services: Management and advisory fees from wealth management portfolio exceeding €600 million in assets. The company manages CCFunds with €120m+ in AUM across 8 sub-funds.
3. Pension Scheme Distribution: The company acts as a tied insurance intermediary for IVALIFE Insurance Limited, distributing private and occupational pension schemes with minimum monthly contributions starting at €25.
4. Payment Services: Moneybase provides payment services including SEPA transfers, card services, and IBAN accounts. Revenue generated through business account annual fees (plans starting at €119.88), with most personal services offered free of charge.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Calamatta Cuschieri is a Malta-based financial services firm providing investment advisory, online trading via its CCTrader platform, and wealth management for individual and corporate clients. Its offering spans equities, ETFs, bonds, UCITS funds (CCFunds), private and occupational pensions, savings plans, capital markets broking, and payment services through the Moneybase platform. The company is publicly listed on the Malta Stock Exchange (ticker CCF01) and serves more than 30,000 clients with €2.3 billion in assets under management and administration.

Product overview

Calamatta Cuschieri operates as a comprehensive financial services platform offering a unified ecosystem of products and services. The core offerings include CCTrader and Moneybase as the primary digital platforms, supported by CCFunds (UCITS funds), investment advisory services, wealth management, and capital markets solutions. The company provides investment products spanning bonds, equities, ETFs, ETCs, and pension schemes (both private and occupational). Supplementary tools like savings calculators, goal planners, and budget planners are integrated within the Moneybase platform. The group also includes specialized subsidiaries: CC Fund Services for fund administration, Brand & Pepper for marketing, and offers insurance products through partnerships. All services are accessible through the award-winning Moneybase app and CCTrader platform, with 24/7 support and physical branch presence across Malta.

Differentiator

Problem solved

Functional benefit

Brands

• Moneybase: Digital financial platform offering payments, SEPA transfers, physical and virtual cards, and access to investments including Bonds, Shares, ETFs and Funds.
• CCTrader
• CCFunds

Products and services

• CCTrader Award-winning online trading platform offering live trading on the Malta Stock Exchange and 40+ international markets in stocks, ETFs, ETCs, bonds and funds, with fractional share trading and extended US-market hours, for self-directed individual investors.
• Moneybase Comprehensive digital financial platform providing SEPA transfers, instant payments, physical and virtual Mastercard cards, IBAN accounts, and access to bonds, shares, ETFs and funds for personal and business users in Malta and the SEPA region.
• CCFunds (CC Funds SICAV) UCITS umbrella fund (CC Funds SICAV) covering bond funds, balanced funds and equity funds, managed using the proprietary Calamatta Cuschieri Fund Selection Model, with over €120 million in assets under management across 8 sub-funds for retail and advised clients.
• Investment Advisory Bespoke investment advisory and financial planning service delivered by dedicated advisors, combining years of wealth management expertise with in-house specialised research across funds, bonds and equities for individual and corporate clients.
• Wealth Management Bespoke wealth management service providing personalised financial products and tailored portfolios for clients with investable assets typically above €350k, with portfolio assets currently surpassing €600 million.
• Private Pension Schemes Long-term savings / retirement plans distributed by Calamatta Cuschieri as a tied insurance intermediary for IVALIFE Insurance Limited, with minimum monthly contributions from €25 and offering up to 30% tax-free lump sum at retirement for individual savers in Malta.
• Occupational Pension Schemes Employer-sponsored pension schemes managed on behalf of employers who wish to contribute towards a pension scheme for their employees, providing tax benefits for both employer and employee in Malta.
• Bonds & Fixed Income Fixed-income investment offering providing access to individual bonds (from €3,000 minimum), bond funds and CC Bond Funds (from €2,500), Treasury Bills (from €50,000), and CC's own High Income Bond funds for individual and corporate clients.
• Equities, ETFs & ETCs Trading and investment access to thousands of stocks on international markets plus over 2,000 ETFs and ETCs covering various sectors and commodities, including Tier 1 providers such as iShares, Powershares, Lyxor ETFs, StreetTRACKS, SGAM ETFs and Rydex.
• Capital Markets Corporate broking and advisory services helping businesses raise capital through the Malta Stock Exchange, including IPO services, bond issuance, corporate broking and venue services in Malta, delivered to issuers such as QLZH Holding, ELL Finance, IHI, ACS Finance, AGB Finance, Challenge Aviation and SD Finance.
• Life Insurance Insurance products distributed as a tied insurance intermediary, including Business Loan Protection, Loan Protection Plan and Whole of Life plans for individual and corporate clients.
• CC Momentum Savings Plan Regular monthly savings plan enabling clients to save from as low as €40-€50 per month, with tax-efficient compounding of interest, an initial 2% investment fee, and a tiered redemption penalty schedule stepping from 5% down to 0% over five years.
• Managed Fund Service (MFP) Fully diversified, actively managed investment portfolio monitored daily by the Wealth Management team, providing clients with discretionary fund-of-funds-style exposure selected using the proprietary CCFSM fund selection model.
• CC Fund Services Full-service fund administration subsidiary (ccfundservices.com) providing administration, accounting and related services to third-party fund managers.
• Nominee Broker and Business Introducer Services Nominee Broker and Business Introducer accounts targeting EU-licensed financial services providers and IFAs from FATF member countries, providing ongoing referrer rebates plus optional White Label deployment of CC WebTrader, enabling partners to offer trading services under their own brand.

Quantifiable outcome

• Assets under management & administration of €2.3 billion
• +4 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, strategic and minor.

• XerocoreTechnology or Integration · 17 June 2026Moneybase integrates with Xero accounting software to simplify business accounting for Moneybase business account holders.
• Financial Planning Services LtdstrategicStrategic or Co-development Partner · 20 November 2019Calamatta Cuschieri Investment Services Ltd (CCIS) acquired Financial Planning Services Ltd in November 2019, strengthening the company's financial planning services.
• UBScoreChannel Partner/ Reseller/ Distributor · 25 June 2017Calamatta Cuschieri appointed as the representatives of UBS Funds in Malta, providing access to UBS LUX fund products through their distribution network.
• Crystal Finance Investments LtdstrategicStrategic or Co-development Partner · 31 March 2016Acquired by Calamatta Cuschieri in March 2016, expanding the company's financial planning and investment capabilities.
• MastercardcoreTechnology or IntegrationMoneybase is proudly partnered with Mastercard, a world leader in payments, providing physical and virtual card services to Calamatta Cuschieri clients.
• SEPA NetworkcoreTechnology or IntegrationAs a SEPA participant, Calamatta Cuschieri enables clients to make bank transfers easily in more than 34 countries globally through the SEPA payment network.
• iSharesminorChannel Partner/ Reseller/ DistributorCalamatta Cuschieri offers access to Exchange Traded Funds from iShares and other Tier one providers including Powershares, Lyxor ETFs, StreetTRACKS, SGAM ETFs, and Rydex.

Scale indicators10 records

Recent moves12 records

Expansion highlights5 records

Broad incumbents

• Bank of Valletta: Malta's largest commercial bank, offering deposit, lending, brokerage, and wealth management services directly competing with Calamatta Cuschieri for Maltese retail and corporate investment clients.
• HSBC Bank Malta: Major Maltese retail and commercial bank with wealth management and brokerage capabilities; competes with CC for high-net-worth clients and corporate finance mandates in Malta.
• Charles Stanley: UK wealth manager providing discretionary portfolio management, advisory, and execution services; relevant benchmark for CC's wealth management and brokerage operating model.
• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform with fund, equity, and SIPP offerings; useful comparable for evaluating CCTrader/Moneybase platform economics at scale.
• Interactive Brokers: Global multi-asset broker offering direct market access to 150+ markets; a key competitive benchmark for CCTrader on pricing, market coverage, and platform capabilities.

Direct peers

• MeDirect: Maltese digital bank and investment platform offering multi-asset trading, funds, and savings products — directly competes with CCTrader and Moneybase in Malta's retail investment market.
• Michael Grech Financial Services: Established Maltese independent financial advisory and insurance brokerage firm; competes directly with CC for individual investment advisory and pension distribution clients.
• Maps Financial Services: Maltese financial services firm offering investment, pension, and insurance advisory services to individuals and corporates, comparable in segment and geographic focus.

Regional players

• APS Bank: Maltese retail and commercial bank providing investment and wealth services within Malta; comparable in geographic focus and customer base to CC's domestic operations.
• Lombard Bank Malta: Malta-based private bank and wealth manager serving HNW clients with portfolio management and advisory services, similar to CC's wealth management line.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/cc_mt
• YouTubeyoutube.com/user/calamattacuschieri
• Facebookfacebook.com/calamattacuschieri
• LinkedInlinkedin.com/company/calamattacuschieri

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Calamatta Cuschieri