Not a Bank!

Much More!


Anonymous Customers are NOT ALLOWED!

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Start using our services!

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

Hero Payment

Become the super hero of your payments



The powerful, easy-to-use multi iban account

Vanity Iban

Vanity Iban

The easy-to-remember alphanumeric IBAN

Proud of our services








Years of experience

about us

Em@ney Plc

was established in 2012 from the idea of our CEO Eng. Germano ArnĂ², combining his experience in the payment industry together with computer engineering.

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

*The opening of your account is subject to institutional approval.
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.
You can open an account directly from our website.