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. We do this 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 on LinkedIn Deborah Vella 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 licenced 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 initial stage, identifying the right solution that will accept the company and its activities in the most efficient and effective manner;
    • 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 with customisable features.
    • Multiple currencies (Including EUR, USD, GBP).
    • Personalised 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 to identify the most appropriate banking solution for you and your business.

    Contact our CRM on LinkedIn Deborah Vella or email us for further information  or leave us a message below!

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 account 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

Key Contacts

Legal Associate – Business Development

Dr. Jacob Daniel Portelli

Jacob joined E&S Group as a legal trainee in March 2018. Prior to joining E&S Group, Jacob had interned at a leading law firm in Malta, assisting in criminal, family and civil law matters. Jacob holds a Bachelor of laws with Honours and a Master of Advocacy degree from the University of Malta. Jacob completed his studies with a legal paper on Investor Protection in Financial Services. He has also completed a Master’s degree in International Business and Corporate Finance Law at the Liverpool John Moores University with a dissertation on Anti-Money Laundering Legislation and Cryptocurrency within the European Union. Jacob has been greatly involved in student organisations, previously occupying the role of President of the Malta Law Students’ Society, Education Commissioner of the National Students’ Council and the Faculty of Laws Student Representative. Jacob was also a Board Member of the Refugee Appeals Board. Jacob is now focusing on client relations and business development to help maintain a holistic relationship between E&S and its clients.

Jacob is fluent in English and Maltese.

Phone:+356 2010 3020

Chief Executive Officer

Karl Schranz

An accountant by profession, Karl spent 10 years working for a reputable audit firm in various audit roles before joining JP Morgan Chase in London in 2005, specifically working in Credit Hybrid Derivatives. He then returned to Malta to head the corporate finance arm of a local audit firm. In 2009, together with Christian, he was one of the founding members of a Corporate Services Provider in Malta, leaving to set up E&S Consultancy in 2010. Karl heads E&S’ ICO and Tokenomics department, however, his competences include advising and assisting in all MFSA licensing processes, accountancy, Token structuring, iGaming, and all aspects of corporate finance.

Karl is fluent in English, Italian, Maltese.

Phone:+356 2010 3020

Chief Business Development Officer

Dr. Deborah Vella

Deborah graduated as Doctor of Laws in 2015, admitted to the bar in 2017 and has been working with E&S Group for the past six years within the Corporate and Legal Department. Her main areas of practice are corporate and commercial law. Deborah also takes particular interest in gaming, employment, residency matters and intellectual property issues. In the professional field, she is subscribed as a member of the Malta Chambers of Advocates and the Malta Institute of Taxation where she has read the Professional Certificate of Taxation. In 2017, she took a managerial role within E&S Group heading the corporate team. Her responsibilities were managing and supervising the corporate team, as well as assisting with legal expertise and client relationships together with the Board of Directors. In the first quarter of 2019 Deborah continued to exercise her abilities and corporate expertise by heading also the Corporate Legal Team.

In light of the above, the Directors have promoted Deborah to be the Chief Business Development Manager of E&S Group. Whilst she will continue to be of support towards the corporate and legal team within the firm, her main focus will shift to being the interface with top tier clients and ensuring that such are serviced in the best possible way. Deborah will nonetheless continue to oversee and supervise all that is related to gaming, employment and IP. As the company’s CRM she will also be engaged in a business development role which involves the planning and executing of offline business development and marketing for the Group.

Deborah is fluent in English and Maltese with a proficient understanding of Italian.

Deborah specializes in corporate, commercial, restructuring, gaming, tax, IP and private client matters.

Phone:+356 2010 3020

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About Our Banking Solutions

Due Diligence 

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Financial Analysis