Hello and thanks for the welcome.
Yes I do mean water and electricity - apparently you can register and set-up an online account with ARMS via the following portal - www.smartutilities.com.mt.
From there I think you can check your bills online, and also make payments through the website. This would be great for me as I UK based.
My problem is that to register you need an ID number and because I'm not a resident (and won't be for a number of years yet) I can't set myself up.
In digging out this weblink I've just noticed that they say 'if you don't have an ID number call our customer service number' so I might try that (but it will be an expensive overseas call so I might see if any other forum members have had any luck before I make the call!).