Not a bank. Much more!

A complete solution for your business needs

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Business Account

Easy and swift to use: settle payments (both SEPA and EXTRA SEPA), check your balance and request your MasterCard debit card through our reliable home banking.
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Personal Account

A fast solution that gives you the best payment experience anywhere, anytime. Manage your daily transactions easily with our Swaappy wallet.
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Our groundbreaking solutions

Hero Payment

Become the super hero of your payments

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Virtualio

The powerful, easy-to-use multi iban account

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Vanity Iban

The easy-to-remember alphanumeric IBAN

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Proud of our services

Discover our services below

Business Account

The Em@ney account suitable for all types of Business.

Personal Account

The Em@ney account suitable for all types of Users.

About Us

Em@ney Plc was established in 2012 being  between pioneers Electronic money institution in Malta

With more then ten years of experience in the industry, Em@ney Plc is committed to providing Stable, Secure and Tailor-made products to its customers. Em@ney Plc is licensed by the MFSA (Malta Financial Services Authority) under the European E-Money Directive (2009/110/EC) and authorized to operate in all SEPA countries.

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People choose us

I'm their client for several years and could not be more satisfied with their services. I especially use the virtual IBAN, which has allowed me to easily and securely manage my clients' payments, and their support team is also always available and ready to help in any way.

Marco
Client

Get Some Answers

Is Em@ney plc a bank?

We do not seek to replace traditional banks. We are an Electronic Money Institution that offers integrated technology and state-of-the-art financial tools. We provide an innovative, efficient financial service tailored to your needs.

Your money is safe; Your money is kept in a secure and completely independent account that only you can access. Em@ney PLC is licenced and regulated by the MFSA (Malta Financial Services Authority) as an e-money institution and adheres to strict compliance processes. Our clients' funds are safeguarded from any risks that banking institutions usually face.

Where is the money of our customers kept?

The money of our customers is held within segregated accounts in Central Banks within Europe to ensure protection.

A segregated account is separate from other accounts and safeguards from any kind of intermingling and/or foreclosure.

Is Em@ney plc suitable for my company's needs?

Em@ney plc is suitable for all kind of businesses.*

*The opening of your account is subject to institutional approval.

How does Em@ney plc protect my data?

Em@ney plc does not share your company's personal information or financial data with anyone. We only ask for the information we deem necessary.

Em@ney plc has appointed a "Data Protection Officer (DPO)", in accordance with Article 37 of the EU Regulation 2016/679, and identified him within its organization.

The Data Protection Officer is a new figure whose role is to monitor compliance with the Regulation itself, assessing the risks, for those concerned (customers, potential customers, employees, suppliers), of any processing of personal data carried out by Em@ney.

How do I become an Em@ney customer?

You can open an account directly from our website.

My identification document has expired. Can I still use the expired document to open an Em@ney account?

No, Em@ney accepts valid documents ONLY.

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