Bank Accounts

Banking is a vital part of your business. A strong foundation and relationship are required when making your choice on where to open your operational account. This is true whether it is for your business or personal needs. E&S continues to develop a wide network of local and international EU and Non-EU licenced banks and EMIs, to provide you with appropriate banking solutions.

With increased regulation, banks have decreased their risk appetite. This is creating a problematic situation for companies and individuals in setting up their operational account – irrespective of the business activities and industry. Our close relationship proves to be a solution for our clients who endeavour to find a banking solution.

We have over 40 Corporate Banking solutions in the EU! Interested in more information? Contact our Client Relationship Manager Deborah Vella on LinkedIn or email us for further information  or leave us a message below!

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Our Bank Account Opening Process

E&S is here to assist in finding the most appropriate banking solutions for you and your business. Our team continues to develop strong business relations with numerous EU and Non-EU licensed banks and EMIs so that our clients are offered peace of mind when looking to open an operational account.


Our services and expertise include:

  • General banking solutions through local and international banks, EMIs, and payment gateway providers;
  • At the initial stage, identifying the right solution that will accept the company and its activities most efficiently and effectively;
  • Set up calls and personal meetings with our banking network; and
  • Compilation and reviewing of bank onboarding documentation/procedures;

From our growing banking and EMI network, some of the services provided include:

  • Banks that accept high-risk industries and activities.
  • Online banking for multiple users.
  • Online application/onboarding.
  • Credit cards / prepaid cards/debit cards with customizable features.
  • Multiple currencies (Including EUR, USD, GBP).
  • Personalized real and virtual IBAN in the company name.
  • Low percentage fee on incoming and outgoing transactions.
  • SEPA/SWIFT/Non-SEPA and other local payment networks; and
  • API integration.


Get in touch with our team via email on to identify the most appropriate banking solution for you and your business.

Personal and business bank account

Whether it is for personal use or your business requirements, an operational bank account is necessary in order to conduct transactions, hold, receive, send funds or benefit from credit facilities. E&S strives to create the most efficient and effective relationship between our client and the respective bank.

Your unique business requires a bank that understands your business requirements. Transactional limits, corporate credit cards, multi-currency facilities, online banking, and 24/7 support are but a few characteristics that our clients look out for. Whether it is for efficient international transfers with low to no administrative fees, or if it is the segregation of accounts to effectively monitor and record transactions – we assist our clients in finding the right balance in their banking solutions.

An essential feature in your banking decision. The IBAN number helps in identifying the country where the account is located, the account holder’s bank and the actual account number. Undoubtedly, this helps facilitate transfers in a more accurate and efficient manner creating ease to the transferrer and holder. In assisting our clients, we make it a priority to communicate and develop a strong relationships with EU Banks and EMIs that offer the EURO IBAN facility. Through our network, E&S is able to offer our clients both real and virtual IBAN numbers as well as other linked IBAN’s for any segregated accounts.

Get in touch with us so that we can discuss the most appropriate banking solutions for you.

Your banking solution is our priority. Helping your business grow requires a bank that can facilitate your business requirements and that can understand both your business model and your strategic plans to grow. With the growing regulations and de-risking procedures by EU banks, the opening of an operational account has become a troublesome issue for all industries. With our constant focus on developing business relations with EU Licensed Banks, EMIs and other payment gateway services, we offer our clients the best possible solutions for their banking requirements.

At initial stage, we ask our clients to supply information on:

  • Business Activity;
  • Jurisdiction of Incorporated Company;
  • UBO Jurisdiction;

This information assists us in identifying the most appropriate banking solution and, which options would have the highest possibility of acceptance. The model that we adopt helps increase the efficiency and effectiveness in finding the banking solution for you.  Eliminating the time spent waiting to get a reply on acceptance or otherwise and any unnecessary expenses are our ultimate priority when assisting you.

We want your business to grow, so get in touch with our team and let us find you the appropriate banking solution.


"According to our experience, E&S Consultancy team is made up of well-trained and skilled professionals who are always there to satisfy your business needs with reference to Maltase law. Their work is well organized and carried out in a precise and timely manner. I look forward to continuing my cooperation with E&S Consultancy."

Giorgio Crotta & Marco Compagnino - FIDINAM & Partners

"E&S assisted us with various transactions related to the expansion of our client's global structure. They have provided reliable tax advice; their expertise and efforts have been commendable. We would recommend E&S as an effective service provider."

Mitchell B. Kops & Jill Kelly - Withers Bergman

“E&S Consultancy really provides quality advice with commercial understanding. I have never experienced such a combination of know-how, pro-activeness and entrepreneurial thinking from any advisor. We are very impressed by the professionalism, attention to detail and efficiency of their staff. E&S Consultancy is an excellent firm which knows how to look after its customers."

Florian Karrer - Walters & Karrer Internacional

"Christian Ellul of E&S Consultancy has assisted us with advising on a number of transactions through Malta with particular tax driven expertise involved. We have found their tax and legal services very professional and efficient, with a client-driven approach and sound value for money investment for clients. We can, therefore, recommend E&S Consultancy as a law firm to be used in Malta."

Javier Morera - Broseta Abogados

"I've known E&S Consultancy for many years. They are knowledgeable, friendly and extremely helpful. Their team of experienced professionals has always offered courteous and immediate assistance. They are the best!"

Florian Karrer - Walters & Karrer Internacional

"We are happy to have E&S Group as our legal and transaction consultants. Their reliable and prompt advise on Maltese regulations and requirements has been extremely helpful throughout. Through our interactions with Mariella, Deborah and Anton among others, we find their team to be courteous, skilled, and promptly available to assist us as needed."

Prashanth Swaminathan, CEO of XDAT

“Having E&S as a reliable and trusted firm in Malta handling all the complexities of our corporate operations has been a real pleasure. I would recommend E&S Consultancy to anyone who is seeking the right partner when setting up in Malta"

Eric Benz, CEO of Changelly

"Applying for the MPRP is a complex project but with E&S team, the whole process didn’t seem to be as complex. The team first explained the process and then created a very detailed work activity tracker explaining each activity clearly. The team was very quick to respond to any clarifications and gave us confidence, helping in every step to make the process doable. One of the key areas for E&S’ success in guiding us was the painstaking detailed documentation and steps to be followed. Moreover, the process moved fast, and we got our approval the first time, in one shot. I would strongly recommend E&S for MPRP process as with them, you will get it done successfully and faster than others.  For me, I see the full form of E&S as Efficiency and Success for its clients."

Rangin Lahiri - CEO & Founder of YVC Europe Ltd

"E&S provides comprehensive, holistic and dedicated professional services related to company incorporation, Advisory, Risk & Compliance, Tax & Legal, Accounting and others. In the past 6 years, I have used most of these services and the company has very competent employees and professionals who understand the scope of the work and seek to deliver excellence in all the tasks they adhere to.

E&S can be considered as a one-stop shop services provider especially for start-ups. I will not hesitate to recommend E&S to others who want to use the professional services they offer due to their service oriented, and high level of professionalism."

Michael Gatt – Global Gaming Group (CFO)

"I always feel at ease when E&S’s legal team answers our Human Resource questions from the perspective of the company. They are not only very responsive to any questions, but also extremely patient. E&S are aware of the requirements of our organisation and, if they foresees any issues, advises us accordingly. I wholeheartedly recommend E&S Group to my other co-workers with particular reference to Dr Anthea and Dr Jade who are very reliable to handle inquiries."

Kathleen Dilley - Royce Technology

"We have had the pleasure of working with E&S since 2009, and their commitment to delivering high-quality results with a meticulous and professional approach has made them an invaluable partner in our long-standing collaboration."

Anna Davies at ANCROFT Corporate Consultants, London, UK

We have worked with E&S Group for the last 18 months and we have found the people working there to be experienced and knowledgeable, in particular Dr. Deborah Vella and Nicole Said, Director and Head of Corporate Administration respectively. Both are professional and great to work with.  We hope that we can continue our collaboration for many years to come."

Mr Stephen Balzan, Director at ACT Advisory Services (2023)

"We've been honoured to cultivate a robust partnership over several years, focusing mainly on joint efforts with Dr. Deborah and Dr. Jade. The highlight of our collaboration is not just their expansive legal proficiency, but also their steadfast dedication to upholding the highest standards of professionalism. We deeply appreciate our straightforward and clear communication, underpinned by mutual understanding and respect, which consistently prioritizes the requirements and interests of our shared clientele."

Mr Ali Zarzouri, Business Development Manager at Malte Conseils (2023)

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