We prepare, structure, and submit corporate banking and EMI applications for resident and international non-resident directors of Maltese companies. Avoid procedural delays and maximize your approval probability.
Your information is secure and will only be used to respond to your inquiry.
We analyze your Maltese company structure, ultimate beneficial owners (UBOs), source of wealth, and counterparty jurisdictions to pair your business with the most suitable Maltese banks or EMIs before formal submission.
We draft professional business plans, transaction forecasts, and governance files aligned with local Maltese underwriting standards, drastically cutting down on clarification requests.
Where permitted by the institution, we submit and manage the application on your behalf. For providers requiring personal director submission, we prepare your files and guide you through digital onboarding.
Established retail and commercial credit institutions licensed by the MFSA. They offer full transactional banking, SEPA, SWIFT, merchant acquiring, and commercial treasury, but maintain strict economic substance requirements in Malta.
Fintech solutions and EMIs operating under Maltese or European passports. They provide multi-currency IBANs, automated SEPA/SWIFT routing, and digital corporate portals with agile compliance workflows.
| Provider | Non-resident accepted? | Remote onboarding? | Local address/company requirements | Typical timeline |
|---|---|---|---|---|
| Bank of Valletta (BOV) | Yes (Subject to strict risk assessment) | Needs provider confirmation (Physical visit usually required) | Maltese registered company required; demonstrable economic substance in Malta strongly preferred | 8 to 16 weeks |
| HSBC Bank Malta | Yes (High-substance or institutional clients) | Needs provider confirmation (Director usually verified in branch or international office) | Maltese company required; clear strategic or operational nexus with Malta required | 8 to 16 weeks |
| APS Bank | Limited (Needs provider confirmation) | No (Physical presence generally mandated) | Maltese company with physical presence, local commercial footprint, or Maltese resident directors | 6 to 12 weeks |
| Lombard Bank Malta | Yes (Selective, high-turnover accounts) | Needs provider confirmation (Director presence commonly requested) | Maltese company registration, local commercial ties, and verified source of funds | 6 to 12 weeks |
| Finductive (Malta-licensed EMI) | Yes | Yes (Fully remote electronic identification) | Accepts Maltese companies as well as eligible EU/international corporate structures | 1 to 3 weeks |
| wamo (European Digital Business Account) | Yes | Yes (App-based digital verification) | Accepts Maltese companies (registered with the Malta Business Registry); no local physical premises needed | 3 to 7 business days |
| Revolut Business | Yes (Subject to director country of residence) | Yes (Standard digital flow) | Maltese company registration and physical or operating address in an EEA country | 1 to 2 weeks |
| Wise Business | Yes | Yes (Digital verification via platform) | Maltese registered entity; supported business activities only (restricted sectors excluded) | 4 to 10 business days |
Maltese private limited companies (Ltd) owned by international non-resident directors seeking EUR IBANs
Remote businesses, SaaS founders, consulting firms, and e-commerce operators incorporated in Malta
Established enterprises needing dual banking redundancy (a traditional Maltese bank alongside an agile digital EMI)
Founders who value professional dossier preparation to avoid lengthy rejection cycles with strict compliance desks
Unlicensed or unregulated businesses operating in high-risk sectors (unlicensed gambling, non-compliant crypto projects, adult content)
Applicants unable or unwilling to provide complete source-of-wealth documentation, tax IDs, and bank statements
Founders seeking guaranteed bank account approval without institutional compliance screening
Entities with opaque bearer shares or beneficial ownership layers concealed from registry disclosure
Do not have your corporate entity set up yet? Bank opening requires an active registration number from the Malta Business Registry (MBR), formal memorandum and articles of association, and a registered office in Malta. Through our corporate services network, we assist you from initial incorporation to complete banking setup. Explore our turnkey packages for our corporate formation and governance services and structure your management governance compliantly with our corporate formation and governance services.
We evaluate your commercial activity, director residency, counterparty jurisdictions, and projected transaction volumes to identify institutions with high probability of acceptance.
Our compliance specialists assemble the full application file: certified corporate documents, UBO profiles, source of funds evidence, supplier invoices, and an institutional business overview.
We introduce the file to relationship managers or assist you with secure digital onboarding portals, proactively resolving compliance queries and requests for additional information.
Upon institutional approval, the bank or EMI generates your dedicated Maltese or European IBANs, multi-currency wallets, and transactional credentials ready for corporate operations.
Malta is an established member of the European Union and eurozone, offering an attractive base for cross-border enterprise. Non-resident directors face elevated compliance checks under EU Anti-Money Laundering Directives. Maltese banks distinguish between the company's place of incorporation (Malta) and the director's personal tax residency. Having non-resident shareholders does not prohibit account opening, but institutions will demand detailed personal tax certificates, verifiable proof of wealth, and documentation justifying why the company conducts its business through Malta. Our specialized onboarding service ensures your application addresses these institutional concerns upfront.
We bridge the gap between global entrepreneurs and Maltese financial institutions. Supporting founders from over 50+ countries worldwide.
Germany, France, Italy, Spain, Poland, Sweden, Ireland, Netherlands
United States, Canada
United Arab Emirates, Saudi Arabia, Qatar, Bahrain
Singapore, Australia, New Zealand, Japan, Hong Kong
Brazil, Mexico, South Africa, Chile
Everything you need to know about opening a corporate business bank account in Malta.
