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

*The opening of your account is subject to institutional approval.
You can open an account directly from our website.
You can access your home banking from any device supporting an internet browser.
Send an e-mail to our Customer Service from the e-mail address used during the registration to [email protected]

The Customer Service will be ready to assist you at the earliest convenience.
You can request your Mastercard Debit Card directly from the Em@ney Debit Mastercard area of your home banking. The card will be delivered by post to the registered residential address verified during the onboarding.
In the instance the card is not delivered for different reasons(e.g. wrong or incomplete address, etc.), it is recommended to contact the Customer Service via your Home Banking.
Our Customer Service will provide the necessary assistance to address your needs, you can reach it by sending a message from your home banking.
A receipt for every transaction ordered is readily available and printable following every successful transaction as instructed and authorised on your side.

To download it, log in to your home banking, access your account statement and locate the transaction which you wish to download the receipt for, click on the button with 3 dots at the far right of the row, from there a menu enabling you to download the receipt will pop up
Here is the list: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, Spain, Sweden, the United Kingdom, Denmark, Poland, the Czech Republic, Hungary, Bulgaria, Romania, Croatia, San Marino, Iceland, Liechtenstein, Norway, Switzerland, Monaco, Andorra and the Vatican City.
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 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.
The codes for accessing your Home Banking:

  • - Username: the e-mail certified and verified during the registration
  • - the 8-digit password you created during registration or when accessing the Home Banking for the first time;
  • - the 6 to 8-digit One Time Password (OTP) that you will receive on your mobile phone at the phone number verified during registration or generated by the authenticator;
  • - Account ID: the number automatically associated with your account once registration is successful.
The international debit card of the Mastercard® circuit is a payment card that lets you make secure and easy purchases online and in person, and ATM cash withdrawals, deducting the sum directly from your Em@ney account.
With the Em@ney debit card, you can make online payments, cash withdrawals and POS purchases. Our contactless debit card is accepted worldwide via the Mastercard circuit.
If your card is lost or stolen, you can suspend or block your card directly from your Home Banking.

Enter the card section, select the card/s that you wish to block and then proceed to block it/them.

You can then apply for a new card.
A SEPA Credit Transfer is processed within 24 business hours.
The acronym SEPA means 'Single Euro Payments Area' comprising all countries of the European Union and some extra EU that have decided to participate in the payment circuit. Before transferring money, check which country the account of the beneficiary is located in.

SEPA transfers can be effected in euro currency only. if you wish to settle payments in a currency other than the euro and/or in a country outside the SEPA area, you may order extra SEPA credit transfers from your home banking.
There may be instances which can result in a reversed transfer. Some of the common reason why a reversal occurs are a misspelt beneficiary name or wrong IBAN.

Kindly ensure that the name of the beneficiary or company name is typed correctly. Double-check the IBAN provided by the beneficiary of the transfer.