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Regulation

Who we are

Within the European Union, MWC Group operates through:

Manentia Wealth Consulting Group Limited
Maltese company registration number: C 80087

This entity acts as our regulated hub for EU investment services and insurance distribution.
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Authorisation and permitted services

Manentia Wealth Consulting Group Limited is:

  • Authorised and regulated by the Malta Financial Services Authority (MFSA) under the Investment Services Act (Cap. 370) to provide investment services; and

  • Enrolled under the Insurance Distribution Act (Cap. 487) to act as an insurance broker.
     

MFSA supervision covers, among other things:

  • governance and capital requirements;

  • conduct of business and client-information duties;

  • product distribution and cross-border services; and

  • ongoing reporting and oversight.
     

MiFID II and investor protection

As a member of the European Union, Malta applies the Markets in Financial Instruments Directive II (MiFID II) and related rules to investment firms authorised in Malta.
 

For clients this means, in particular, that we must:

  • Classify clients (retail, professional, eligible counterparty);

  • Assess whether services and products are appropriate or suitable for you, based on your knowledge, experience, objectives and financial situation;

  • Provide clear information on risks, benefits, costs and charges;

  • Identify, manage and disclose conflicts of interest; and

  • Maintain appropriate systems, controls and governance.
     

These requirements are reflected in the MFSA’s Conduct of Business rules and in our internal policies and procedures.
 

EU passporting and cross-border services

Under EU law, an investment firm authorised in one European Economic Area (EEA) state can, subject to notification, provide services in other EEA states based on the “European passport” (freedom of establishment and freedom to provide services).
 

Through Manentia Wealth Consulting Group Limited in Malta, MWC Group can provide services into a number of other EEA states on a cross-border basis and, in Cyprus, through a branch.
 

Freedom of establishment – Cyprus branch
We operate a branch in Cyprus under freedom of establishment, for investment services and for insurance distribution (both since 29 July 2022). The branch follows the host-state rules that apply in Cyprus.
 

Freedom to provide services – cross-border passporting
As at October 2026, the MFSA Financial Services Register shows notifications under MiFID II (freedom to provide services, since 27 August 2020) for the following 22 countries:

  • Austria

  • Belgium

  • Bulgaria

  • Cyprus

  • Czech Republic

  • Denmark

  • Finland

  • France

  • Germany

  • Greece

  • Ireland

  • Italy

  • Luxembourg

  • Netherlands

  • Norway

  • Poland

  • Portugal

  • Romania

  • Slovakia

  • Slovenia

  • Spain

  • Sweden
     

Our insurance distribution notifications (freedom to provide services) cover the same countries except Denmark.

This list may change over time as notifications are added, updated or withdrawn. If you would like to know whether we can currently provide services in a particular country, please contact us and we will confirm the latest position.

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Complaints and dispute resolution

If you are unhappy with our services, please follow the process described on our Complaints page.

We will:

  • acknowledge your complaint promptly;

  • investigate it fairly and objectively; and

  • provide you with a clear, written response.

If you remain dissatisfied and you are an eligible complainant, you may have the right to refer your complaint to the Office of the Arbiter for Financial Services (OAFS) in Malta, an independent dispute-resolution body for consumers and certain small businesses.

Details of how and when you can contact the OAFS, and the conditions for doing so, are set out on our Policies & Disclosures page and in your client documentation. The OAFS can be contacted via www.financialarbiter.org.mt. Clients of our Cyprus branch may also refer a complaint to the Financial Ombudsman of the Republic of Cyprus, 15 Kyprianoros Street, 1061 Nicosia (www.financialombudsman.gov.cy).

Further information

If you would like more information about:

  • our regulatory status in Malta;

  • how MiFID II and MFSA rules apply to your situation; or

  • where we are currently passported to provide services,
     

please speak to your usual MWC adviser or email DPO@mwcgroup.ch. We will be happy to explain how the regulatory framework applies in the context of your own arrangements.

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Target Audience: This website is intended for clients and prospective clients resident in Malta and in those jurisdictions in which Manentia Wealth Consulting Group Limited is authorised or otherwise permitted to provide its services. The services and information contained on this website are not directed at any person in a jurisdiction where the provision or distribution of such services or information would be contrary to applicable law or regulation.

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