My client is in a PRSA—how do I get to Malta?

PRSAs (and other personal bonds/pensions) must first join an occupational scheme. Options include:

• Existing OPS membership (even deferred).

• Your employer’s workplace scheme (if you’re employed).

• Irish Mastertrust (requires employer contribution; ITC Dublin can arrange via Irish Life Retail Mastertrust).

Once in an OPS, you enjoy automatic transfer rights to Malta’s IORPS under Chapter 13.