Em@ney plc is an electronic money institution focused on Internet banking solutions. Em@ney plc offers personal accounts, business accounts, prepaid cards Em@ney, prepaid cards, electronic cheques, payment gateways, mass payments to individuals, businesses. Incorporated in Malta, Em@ney plc is authorized and regulated by the Malta Financial Services Authority.
Em@ney Mastercard (MasterCard) can be ordered together with Personal Account. Virtual cards are not available.
Personal Account is offered with a single pricing plan for all customers.
Em@ney cards are prepaid cards, rather than debit cards.
Debit vs Prepaid Cards. Debit cards do not have a separate balance and are connected to an account or e-wallet. Such cards are are loaded automatically when the account/e-wallet is being topped up. Prepaid cards have a separate balance from an account or e-wallet. These cards have to be loaded manually, usually from the account/e-wallet.Em@ney cards are issued only as physical (plastic) cards and are delivered to the customer's address.
Em@ney Mastercard is a single currency card, it can be issued in EUR only.
ConnectPay Card can be topped up from the cardholder's ConnectPay IBAN account
A payment card can be ordered together with Business Account. Virtual cards are not available.
Business Account is offered with a single pricing plan for all customers.
Em@ney do not conduct operations with cryptocurrencies.
Em@ney plc is authorized by the Malta Financial Services Authority for placing cash to a payment account, withdrawing cash from a payment account, execution of payment transactions on a payment account (not covered by a credit line), execution of payment transactions on a payment account (using a credit line), issuing payment instruments or acquiring payment transactions, money remittance, granting of credit related to execution of payment transactions on a payment account. The authorization was granted on 4 April 2013.
Due to EEA passport rules Em@ney plc, can conduct its activities in any of the 31 EEA member states. Em@ney plc do not participate in deposit guarantee schemes.
Em@ney plc is connected to MasterCard payment card scheme.