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Payments made by cheque of €20 or less

A new Central Bank directive that came into force on 01/01/2022 will eliminate the use of cheque payments of €20 or less. The new Central Bank regulations on cheques are intended to govern the use of this means of payment while incentivizing people to make use of electronic payment methods.

Question: Will a cheque issued by the Department of Social Security by the 31/12/2021 in the amount of €20 or less be redeemable?
Answer: A cheque issued in the amount of €20 or less with a date up to the end of 2021 will be redeemable. For example, a cheque dated 28/12/2021 has a six-month period up to when it may be cashed, i.e. the bank is obliged to cash that cheque of €20 or less.

Question: Will a payment issued by the Department of Social Security after 31/12/2021 of €20 or less made by direct payment to the bank be affected?
Answer: If a beneficiary is already being paid by the Department of Social Security by direct bank deposit or the banking details held with the Department of Social Security are updated so that a payment can be made by direct bank deposit, a payment issued by the Department of Social Security after 31/12/2021 of €20 or less will not be affected.

Question: Can I verify that my banking details held with the Department of Social Security are up to date?
Answer: You can verify your banking details held with the Department of Social Security through the Web App mysocialsecurity.gov.mt or by visiting one of service.gov hubs.

Question: Can I change my banking details held with the Department of Social Security online or by visiting one of the servizz.gov hubs?
Answer: Through the Web App mysocialsecurity.gov.mt you can change the details of how you are paid. If payments are currently being paid by the Department of Social Security by cheque, you can change the details in order to start receiving the payment by a direct bank deposit. If you are already being paid by a bank deposit, you can change both the bank and the account number, which account must always be a Savings or Current Account, but not a Loan Account. The indicated account must be in the name of the beneficiary. The bank account details provided will also be used for all benefits that you may be currently receiving. You can also choose to receive an SMS notification with the date of the deposit of your benefit.

You can also visit one of servizz.gov hubs to change your banking details held with the Department of Social Security.

Question: What happens, if my banking details held with the Department of Social Security are not updated to receive a social security payment due by direct bank deposit after 01/01/2022 if the payment is €20 or less?
Answer: If your banking details held with the Department of Social Security are not up to date to receive payment by direct bank deposit, a payment which is of €20 or less will not be issued. Thereafter, you will receive a notification letter by post requesting you to update your banking details, online or by visiting one of servizz.gov hubs to change your banking details held with the Department of Social Security. Once the banking details are updated, the department will issue the payment due by a direct bank deposit.

Question: What are the details required for a payment to be made by a direct bank deposit?
Answer: The requested details are the bank branch of your choice in which you prefer that the payment by direct bank deposit, as well as your International Bank Account Number (IBAN), which account, must always be a Savings or Current Account, but not a Loan Account. The indicated account must be in the name of the beneficiary.

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