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Arbiter's Decisions

You can search for decisions delivered by the Arbiter for Financial Services and judgements delivered by the Court of Appeal (Civil, Inferior) for those decisions that have been appealed.

You may refine your search as wanted by the name of the financial services provider, the language of the decision, the decision year, decision date from/to, the sector, decision outcome, and whether the decision has been appealed or not. If you select by sector (e.g. 'Banking'), you may filter down your choice by selecting issue (e.g. 'Charges') and/or product (e.g. 'Cards'). Please browse the drop-down filters on the left-hand side.

The database of Arbiter's decisions is updated periodically. In accordance with the OAFS policy, complainants' names in such decisions are pseudonymised (the actual names are replaced by unrelated alphabetical references).

The remit of the Arbiter for Financial Services is to investigate and adjudicate complaints lodged by eligible complainants (individuals and micro-enterprises) against financial services providers who are licensed or authorised by the Maltese financial services regulator. When cases are referred to the Arbiter and a decision is issued, such a decision is binding on both parties.

Either party can request the Arbiter for clarification or correction to any computation, clerical, typographical, or similar errors within 15 days from the delivery of a decision. Decisions may be upheld in full, partially upheld, or rejected, and may be appealed by any of the parties.

As to the Court of Appeal (Civil, Inferior) judgements, we refer to the Court Services Agency's eCourts website (https://ecourts.gov.mt/onlineservices/) for the relevant case reference numbers and appeal judgements. Information about appealed decisions on our website is updated periodically. However, such information should always be cross-checked with the eCourts website as we make no representations or warranties of any kind, express or implied, as to its completeness, accuracy or reliability.

Please get in touch with us through our “Contact us” page if you come across any broken links or other incorrect information.Thank you.

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ASF case reference Financial Service Provider Outcome Date of Arbiter's Decision Appeal Court reference
ASF 199/2024 Mapfre MSV Life plc Partially Upheld by Arbiter 07/03/2025 Not Appealed
ASF 188/2024 Bank of Valletta plc Partially Upheld by Arbiter 07/03/2025 Not Appealed
ASF 191/2024 Mapfre MSV Life plc Partially Upheld by Arbiter 07/03/2025 Not Appealed
ASF 107/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 07/03/2025 Not Appealed
ASF 155/2024 Openpayd Financial Services Malta Limited Upheld by Arbiter 28/02/2025 21/2025
In progress
ASF 184/2024 Bank of Valletta plc Partially Upheld by Arbiter 28/02/2025 Not Appealed
ASF 067/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 28/02/2025 Not Appealed
ASF 083/2024 Bank of Valletta plc Not Upheld 28/02/2025 Not Appealed
ASF 113/2024 Mapfre MSV Life plc Partially Upheld by Arbiter 21/02/2025 Not Appealed
ASF 241/2024 Atlas Insurance PCC Limited Not Upheld 21/02/2025 Not Appealed
ASF 197/2024 GasanMamo Insurance Limited Not Upheld 14/02/2025 Not Appealed
ASF 206/2024 Openpayd Financial Services Malta Limited Not Upheld 14/02/2025 Not Appealed
ASF 174/2024 Bank of Valletta plc Not Upheld 06/02/2025 Not Appealed
ASF 029/2024 Mapfre MSV Life plc Partially Upheld by Arbiter 06/02/2025 Not Appealed
ASF 158/2024 Mapfre MSV Life plc Partially Upheld by Arbiter 31/01/2025 Not Appealed
ASF 063/2024 Foris Dax MT Limited (formerly MCO Malta Dax Limited ) Not Upheld 31/01/2025 Not Appealed
ASF 030/2024 STM Malta Pension Services Limited (formerly STM Malta Trust and Company Management Limited) Not Upheld 31/01/2025 Not Appealed
ASF 157/2024 Bank of Valletta plc Not Upheld 31/01/2025 Not Appealed
ASF 025/2024 Bank of Valletta plc Partially Upheld by Arbiter 24/01/2025 7/2025
In progress
ASF 122/2024 HSBC Bank Malta plc Partially Upheld by Arbiter 24/01/2025 Not Appealed