Our strength : banking introductions* in real banks (branch networks)
Responsiveness in real time on our chat online, in English or French, our permanent follow-up and our assistance included in all our packages.
The Premium Pack*: Companies incorporation in Malta without travel + bank introduction*
Company incorporation, pay in 1 instalment €2,792 + VAT.
Company incorporation, pay in 2 instalments €1,412 + VAT.
Company incorporation in Malta + HSBC bank introduction*: €3,490 + VAT or in 2 instalments €1,765 + VAT. Possibility of payment by bank transfer
- When you place your order, you will automatically receive an e-mail with a Company incorporation form to fill in.
- Payment can also be made by bank transfer: you can place your order above: during payment, you will be offered the option of paying by bank transfer; click on the “Bank transfer” box: when we receive your order, we will send you our bank details for your transfer, with the option of paying in 1 or 2 instalments.
[email protected] (in english or french)
+33667896739 (in french) 
whatsapp (in french)
New: contact one of our customer advisers. Would you like to be reassured about our company? We can put you in touch with one of our customer advisers on request.
The Premium Pack includes :
- Companies incorporation in Malta 100% online, with no need to travel, banking introduction* HSBC.
- New and unique: an independent manager (partner) calls you to assist you with your banking introduction*.
- Bonus (free): 3 exclusive business ideas not yet exploited.
- We guarantee comprehensive, high-quality service, transparency and trust; we guarantee real-time availability 6 days a week, 10 hours a day, follow-up and support… Find out what our customers have to say about us.
- Would you like to be reassured about our services? No problem, we can provide you with the telephone contact details of one or more customers.
- Boost your business with our network of contacts throughout Europe (manufacturers, distributors, suppliers, resellers, local agents, logistics and goods receiving, etc.).
Banking introduction* (online banking, CB,...) to Revolut Business, Wise,... : €0 (included in all Companies incorporation orders)
OR
Assistance in English (an independent account manager, employed by the bank, calls you and takes care of your request to open an account with Revolut Business or with one of our other partners) : €290 + VAT.
OR
Banking introduction* in a real bank in Europe (French language), network of banking agencies in a country bordering France, with travel : €392 + VAT.
OR
Banking introduction* in a real bank, with a network of branches, WITHOUT TRAVEL (which is rare for a real bank), with of course online access, remotely and with an independent account manager, working for the bank, english and french : without travel, €392 + VAT.
OR
HSBC banking introduction* in a European Union country: €890 + VAT.
You can, of course, opt for an online banking introduction* (neo-banking: Revolut Business or another of our partners), which is included free of charge in all our Company incorporation packages.
Company incorporation in Malta
Step 1 – Integration process
Our Company incorporation service in Malta, as indicated at the top of this page (for a maximum of two beneficial owners), is €2,990 + VAT (as of 19/10/23).
Step 2 – Our service includes :
- Reservation of company name
- Draft Memorandum & Articles and related documents for incorporation
- Certificate of share capital
- Combined registers including register of directors, register of members and share certificates
- Incorporation and electronic copy of incorporation documents
- Introduction* to an electronic money financial institution (disbursements not included)
- VAT registration number
- Tax identification number: DDT form
Share capital of 1,240 euros (20% to be paid on incorporation, i.e. 240 €).
The share capital, which is not included in the above fees, will be paid by you for incorporation.
As soon as we have all the documents in place, the company will be incorporated within 3 to 5 days.
Step 3 – Bank introduction
We offer our customers banking introduction* solutions. We have several options that can be presented to the company as soon as incorporation is complete. Our fee for the bank introduction* is €552 + VAT.
Please note that it is not mandatory for a Maltese company to open a bank account in Malta (the company account can be opened outside Malta).
We can also provide you with the following additional services:
– Accounting and bookkeeping (as required by law)
– Income tax compliance work (and submission of tax returns)
– Preparation of annual financial statements
– Statutory bookkeeping and submission of annual report
The main features of setting up a European Company incorporation in Malta are
– one of the highest levels of privacy protection in the world,
– a requirement of 1 shareholder, 1 director and 1 secretary in a company, they can be the same person,
– there are no residence requirements in Malta for the director,
– Company incorporation in Malta can be very advantageous from a tax point of view,
– you do not need to be present to set up a Company incorporation in Malta.
Malta is an island country made up of several islands in the Mediterranean Sea, south of the Italian island of Sicily, on the other side of the Malta Channel. Malta is the smallest national capital in the European Union. Maltese and English are the official languages in Malta, and the capital is Valletta.
As an EU member state, Malta offers significant advantages for setting up a new company. Setting up a business in Malta benefits from EU compliance, low tax rates and is a respected and reputable jurisdiction. The main attraction of registering a company in Malta is its favorable tax environment. It has the lowest corporate tax rate, intellectual property rate, gaming tax rate and VAT rate in Europe.
Timing
The process of setting up a Company incorporation in Malta takes around 5 working days, from receipt of the required documents and information.
Why set up a company in Malta
The Maltese Companies Act is based on the UK version, and essentially sets out a very simple procedure that will quickly incorporate the company under Maltese law.
Malta has strong economic links with EU countries, but also with non-EU countries – a great advantage when it comes to foreign investment. Malta has one of the highest levels of privacy protection.
Income tax
A Maltese company is exempt from withholding tax and stamp duty*. Where the distribution of profits of a Maltese company is made in the interest of a non-resident shareholder, such dividends are sent without any withholding or restriction*.
Malta has a favorable and competitive tax system, which has been the main reason for Malta’s success as a European center for financial services.
Those trading in or from Malta generally benefit from the lowest tax rates available in the European Union.
The amount of tax refunds in Malta is set at 6th/7th of the tax paid by the Maltese company. A Maltese company is taxed at 35%; however, shareholders are entitled to claim 6/7ths of this tax.
For example, if gross profits amounted to €100,000, the company would pay €35,000 in tax, but the shareholder would generally be entitled to claim a €30,000 tax refund.
To enable them to claim back 30% of the corporation tax, the shareholders of the Maltese company must not be resident in Malta.
Company name
When choosing a company name to incorporate a company in Malta, you must ensure that all the words in the name are in English; the company name must be unique.
Directors, shareholders and secretary
For a standard Companies incorporation in Malta, a minimum of one director, one secretary and one shareholder is required; however, they do not need to be resident in Malta, they can be one and the same person and can in addition be legal entities.
If a company director is used to set up a company in Malta, two shareholders must be appointed.
To ensure that the process of setting up a company in Malta is as straightforward as possible, we appoint a secretary during the incorporation period. Once the company is incorporated, we resign the secretary and appoint one of your choice. Alternatively, we can propose a secretary.
Appointed directors are also entitled to register with a Maltese company.
Share capital
The standard currency for setting up a company in Malta is the euro. We incorporate Maltese companies with a standard share capital of 1200 shares worth 1.00 euro each. At least 20% of the share capital must be paid up at the time of incorporation and must be paid to us before the company can be incorporated.
Your Company incorporation in Malta does not require this share capital, as we are able to modify it. However, please note that additional fees may be charged by the Maltese authorities.
Accountant:
A Maltese company is also required to perform annual bookkeeping, accounting and compliance functions. We can introduce you to an accountant who will assist you.
Company incorporation in Malta
We specialize in Companies incorporation, citizenship and residency in Malta, a European country.
We can provide you with a company in Malta, management services, banking contacts, passport and residence permit issuance, as well as residency and citizenship services.
Malta, an EU country, offers unique advantages, and the incentives offered by the Maltese state are real assets: tax advantages, residency, security and lifestyle.
Overview of Company incorporation in Malta
| Taxation / Stamp duty / Capital gains | Generally tax-exempt for non-resident shareholders, provided the company has no real estate holdings in Malta. |
|---|---|
|
Income tax |
35% (number of tax refunds available to shareholders on a final dividend distribution – the default tax credit being 6/7ths, which can be 5%) |
|
Geographical restrictions on activity |
No |
|
Official language / language of documentsEnglish / Maltese |
English / Maltese |
|
Operational business objectsGeneric and broad – restrictions apply to authorized entities |
Generic and broad – restrictions apply to authorized entities |
|
1165 EUR (private company), 46 600 EUR for public company |
1165 EUR (private company), 46 600 EUR for public company |
|
Recommended share capital |
EUR 1,200 for a private company seeking low capitalization |
|
Registration fees |
Proportional to share capital – Minimum registration fee – 245 EUR |
|
Share capital |
Cash (any convertible currency) or in kind – subject to appraisal |
|
Bearer shares |
Impossible |
|
Minimum number of directors |
One for private companies, two for public companies |
|
Minimum number of shareholders |
Usually two, but only member companies are also possible, subject to statutory restrictions |
|
Maximum number of shareholders |
Fifty for LLC limited liability companies |
|
Corporate shareholders |
Permits |
|
Foundations as shareholders |
Permits |
|
Shareholder trusts |
Impossible |
|
Non-resident directors |
Permits |
|
Company directors |
Permits |
|
Company secretaries |
Required |
|
Company secretaries |
Not admitted (with a slight exception for open-ended management companies) – SICAVs |
|
Address registered in Malta |
Mandatory |
|
Directors’ register |
Not applicable – extracts from registers certifying directorships possible |
|
Register of members |
Mandatory – responsibility of the company secretary and generally held at the head office |
|
Publicly accessible register of members |
No |
|
Disclosure of beneficial owners to the registrar |
Not necessary in the case of a nominee shareholder (but subject to disclosure during compliance visits) – it is advisable to use the corporate shareholder for confidentiality. |
|
Disclosure of beneficial owners to the registered agent |
Yes, subject to strict confidentiality rules |
|
Annual General Meeting |
Mandatory – first Annual General Meeting to be held within eighteen (18) months of the date of incorporation, and within fifteen (15) months thereafter |
|
Directors’ / members’ meetings |
Can take place anywhere in the world – it is advisable to stay in Malta for efficient management and control. |
|
Power of attorneyCompany minutes and resolutions |
Permits |
|
Procès-verbaux et résolutions d’entreprise |
To be kept at the company’s registered office |
|
SealFinancial statements |
No |
|
Financial statements |
Mandatory |
|
Audit of accountsMandatory |
Mandatory |
|
Filing of accounts |
Mandatory |
|
Access to double taxation avoidance agreements |
Yes |
|
Exchange control |
No |
|
Re-domiciliation / Continuation |
Yes, both inside and outside Malta |
Documents required to set up a limited liability company in Malta (LLC)
- Certified copy of passport(s) for each beneficial owner/shareholder and director;
- In the case of corporate shareholders and directors, a copy of the incorporating documents (deeds of incorporation, partnership deed, etc.) as well as a certificate of good standing / register extracts or any other document attesting to the company and/or partnership registration number is required. Any legal entity that has a legal personality separate from its members, such as a foundation, may be a shareholder or director in a Maltese company.
- Bank reference for each beneficiary, shareholder and director and proof of address (utility bill, etc.);
- Payment of fees.
Company incorporation fees in Malta - Registration fees
We believe in price transparency, which is why we are one of the only service providers to openly advertise our fees; our mission is to remove barriers to trade, which is why our legal fees for drafting the Memorandum and Articles of Association of a company registered in Malta are clearly displayed at the top of this page.
Registration fees payable to the Maltese Companies Registry are calculated on the basis of the company’s authorized share capital. A company with an authorized share capital of less than €1,500 is subject to a minimum company registration fee of €245. Registration fees are defined in the Companies (Fees) Regulations – SL 386.03.
Please note that each time the authorized share capital is increased, the company must pay an amount representing the balance between the increased authorized share capital and the authorized share capital, prior to the increase. For example, if a company is incorporated with a share capital of €1,200 and this is subsequently increased to €5,000, then the company owes €105 (i.e. €350 for a share capital of €5,000 minus the original €245) in registration fees.
Scale of Company incorporation fees in Malta
The registration fees applicable to a Maltese company compare favorably with those in other EU jurisdictions. Moreover, if we extend the comparison to professional services and/or recurring costs for services such as administration, accounting and tax compliance, professional fees are around 40% lower than those applicable in Western Europe. This cost saving, combined with the highest level of service, as well as extraordinarily advantageous tax treatment, makes Malta a most attractive European jurisdiction.
Annual report of the Maltese company - Key information
Every company registered in Malta, whether private or public, is required to file an annual return with the Malta Companies Registry. The contents of the annual return are set out in Schedule 7 to the Companies Act; its execution and filing are generally entrusted to the company secretary, although any director may also execute and file the return.
Section 184(2) of the Companies Act provides that the annual return must be filed within forty-two (42) days of the date on which it is prepared. Since the annual return is drawn up on the anniversary of the company’s incorporation, this means that the company secretary or director must ensure that it is filed no later than forty-two (42) days from the date of incorporation.
Late filing does not invalidate the annual declaration, but it does incur late-filing penalties. The Maltese company’s annual performance fee payable to the Registrar of Companies is defined by the Companies (Fees) Regulations – SL 386.03, and calculated in accordance with the company’s authorized share capital. A copy of this table is reproduced below for your convenience:
| 100 € | Inférieur à 1500 € | 100 € |
|---|---|---|
|
120 € |
De 1 500 € à 5 000 € |
120 € |
|
135 € |
De 5 000 € à 10 000 € |
135 € |
|
300 € |
De 10 000 € à 50 000 € |
300 € |
|
400 € |
De 50 000 € à 100 000 € |
400 € |
|
600 € |
De 100 000 € à 250 000 € |
600 € |
|
800 € |
De 250 000 € à 500 000 € |
800 € |
|
900 € |
De 500 000 € à 1 000 000 € |
900 € |
|
1 200 € |
De 1 000 000 € à 2 500 000 € |
1 200 € |
|
1 400 € |
Supérieur à 2 500 000 EUR |
1 400 € |
|
1 000 € |
(SICAV) |
1 000 € |
Since the Maltese company’s annual performance fee is calculated on the basis of the company’s authorized share capital (rather than issued share capital), it is possible to contain costs through the use of the share premium, which has the effect of ensuring that the authorized share capital remains at a low level, while ensuring that the issued paid-up capital is allocated at a very high premium.
SICAVs are still obliged to file an annual declaration, however, most of the fields set out in the seventh appendix are inapplicable to them. This is because SICAVs are used for a number of very specific purposes, such as company models for collective investment schemes.
Unit subscribers are, provided the scheme is open-ended, able to redeem or purchase new schemes, without triggering declaration obligations (Form T) to the Maltese Companies Registry. This exemption has been extended to annual declarations.
Very importantly, the obligation to file an annual return ceases once the company goes into liquidation. The rationale behind this derogation is that once the company is put into liquidation, the functions inherent in the office of company secretary and chief executive are (apart from some residual statutory powers) devolved to the liquidator. The liquidator’s role does not include filing the company’s annual reports.
Re-domiciliation of companies in Malta, requirements and procedures
The Continuation of Companies Regulations (“the Regulations”) permit the redomiciliation of legal persons in Malta under the Malta Companies Act. Redomiciliation is limited only to legal persons (“the Company”) registered or incorporated in an approved country or jurisdiction (“home country”), and only to the extent that redomiciliation is permitted by the law of the home country and by the legal person’s constitutive documents.
Similarly, the Regulations permit, with the consent of the Maltese Companies Registry, the re-domiciliation of Maltese entities in any jurisdiction that permits such re-domiciliation.
The re-domiciliation of companies in Malta is permitted, provided the following steps are complied with:
Step 1 : The constitutive documents (e.g. Memorandum and Articles of Association) of the Company to re-domicile in Malta must include a provision authorizing or empowering the Company to re-domicile in another jurisdiction.
In the event that the Company’s constitutive documents do not contain such a provision, the Company will have to amend its constitutive documents accordingly.
Step 2 : Once the Company’s incorporating documents contain the above-mentioned provision, an application for re-domiciliation in Malta will be possible, provided the following supporting documents are attached to the application:
- a) An extraordinary resolution, or its equivalent, passed by the members of the Company approving the migration of the Company to Malta;
- b) A copy of the Company’s incorporating documents, revised to comply with Maltese legislation;
- c) A certificate of good standing, or its equivalent, which will serve as proof that the Company is in compliance with the incorporation requirements of the home country authority;
- d) A declaration signed by at least two (2) directors of the Company certifying :
- The full name of the Company as registered with the relevant authorities in the country of first incorporation and the intended name under which the Company wishes to operate in Malta. It is strongly advised to carry out a company search prior to the re-domiciliation process to ensure that the proposed name is available.
- The jurisdiction in or under which the Company was first incorporated;
- The decision to re-domicile the Company in Malta;
- That the Company has officially notified the competent authority in the country of origin of its intention to be re-domiciled in Malta, and proof of such notification;
- That there are ongoing proceedings against the Company for violation of the laws of the country of origin;
- That the Company is solvent and that the directors are not aware of any circumstances likely to adversely affect the solvency of the Company within a period of twelve (12) months from the date of filing of the application for re-domiciliation.
- e) A list of the directors and company secretary, if any, of the Company, before the re-domiciliation and after the re-domiciliation of the Company in Malta ;
- f) Evidence of similar laws, usually a legal opinion, allowing the migration of the business, in the country of origin, and in particular that the proposed re-domiciliation does not depend on the consent of the Company’s creditors.
Any pledge of the Company’s shares will continue to be valid upon re-domiciliation of the Company in Malta, provided that notification is given to the Maltese Registrar of Companies. Additional documentation is required in the case of public or listed companies. Companies incorporated outside Malta which carry on licensed activities, e.g. banking, insurance, etc., may also apply for re-domicile in Malta, subject to special ad hoc regulations.
We can assist you in preparing all the resolutions and declarations necessary for the Company’s re-domiciliation in Malta, and in compiling all the supporting documents.
Step 3 : Once we have received all the above-mentioned documents, we can proceed with the submission of the redomiciliation application to the Maltese Registrar of Companies.
Step 4 : Once the Maltese Registrar of Companies is satisfied that the application form and documents submitted comply with the regulations, the Registrar issues a provisional certificate, which means that the company :
- continues to be a legal entity registered in Malta ;
- is subject to all the obligations and able to exercise all the powers of a Maltese company registered under the Maltese Companies Act;
- retains all its assets, rights, liabilities and obligations;
- remains subject to any legal proceedings or judgments commenced or rendered prior to registration in Malta.
Step 5 : Within six (6) months of the date of issue of the temporary re-domiciliation certificate, the Company must submit to the Registrar of the competent body in the country of original incorporation proof that it has ceased to be a registered company in the country of origin (i.e. deregistered).
Upon receipt of acceptable proof of the aforementioned deregistration, the Maltese Registrar of Companies will issue a final certificate of registration.
A request for re-domiciliation may be refused in the following circumstances :
- Where dissolution or liquidation proceedings or any other insolvency proceedings, legal actions against the Company or equivalent proceedings have been instituted against the Company;
- A liquidator, receiver or equivalent administrator has been appointed in relation to the Company;
- If there is an order limiting or suspending the rights of the Company’s creditors;
- If legal, criminal or civil proceedings have been instituted against the Company in the country of origin.
The above procedure will also apply if a company registered in Malta wishes to re-domicile from Malta to another jurisdiction, upon payment of a one-off fee of €1,000.
Avoid having to liquidate your company and start taking full advantage of Malta’s onshore, low-tax solutions by re-domicilizing your company in Malta.
Maltese ready made companies
A ready made company is one that has been previously incorporated and stored as a non-trading company. By purchasing a ready-to-use company, you can :
- Boost your business with an already established company
Appear as a reliable company that has been in business for several years
- Easily establish business relationships
Business and banking relationships are easily established with an older, previously registered company
- Gain customer confidence
New and existing customers will feel more confident in their relationship with you because your company has a history.
- Rest assured
All our ready-to-use companies are companies with no previous business history; they are totally sound and free of debt and commercial liability.
Ready made companies, click here
When setting up a Company incorporation in Malta, you need to choose the legal form best suited to your needs: Malta offers various legal forms for businesses, including the Limited Liability Company (LLC) and the Public Limited Company (PLC).
Why set up a company in Malta
Setting up a company in Malta can offer a number of advantages for entrepreneurs and investors:
Tax advantages: Malta offers an attractive corporate tax system, with a nominal corporate tax rate of 35%. However, thanks to its tax credit system and refund mechanisms, the effective tax rate can be significantly lower, often as low as 5% to 10% for eligible companies.
Double taxation treaties: Malta has numerous double taxation treaties with other countries, which can reduce taxes on foreign-generated income for Maltese companies.
Favorable regulatory framework: Malta offers a stable, business-friendly regulatory environment, with relatively straightforward administrative procedures for setting up and running a company.
Access to the European market: As a member of the European Union, Maltese companies benefit from access to the EU’s single market, which facilitates trade with other member countries.
Well-developed financial infrastructure: Malta has a well-developed financial infrastructure, including a strong banking sector, making it an attractive location for international companies.
Multilingual environment: Malta is a multilingual country, with English as the official language and widely used in business, making communication easier for international companies.
Solid legal framework: Malta’s legal system is based on civil law, offering a stable and predictable legal framework for businesses.
However, it is important to note that the tax advantages offered by Malta are subject to specific conditions and criteria, and that it is crucial to consult tax advisors (which we are not), to fully understand the implications of Companies incorporation in Malta.
Banking in Malta
Malta is an international financial center renowned for its strong and diversified banking system. Here are some of the main banks operating in Malta:
Bank of Valletta (BOV): Founded in 1974, this is one of the largest local banks, offering a full range of financial services, including personal and commercial banking, as well as wealth management.
HSBC Bank Malta: A subsidiary of the HSBC Group, this international bank provides comprehensive banking services to individuals, companies and institutions.
APS Bank : Established in 1910, APS Bank offers traditional and modern banking services, with a focus on supporting small and medium-sized enterprises.
Lombard Bank Malta: Founded in 1955, it offers personal and commercial banking services, with a strong focus on quality customer relationships.
MeDirect Bank: Previously known as Mediterranean Bank, this bank offers private banking and wealth management services, as well as savings and loan products.
Sparkasse Bank Malta: Mainly focused on banking and trust services for institutional and private customers, particularly in the fund management and financial services sectors.
FIMBank: Specializing in international trade banking, FIMBank offers trade financing and trade facilitation solutions worldwide.
In addition to these institutions, there are many other banks and financial establishments operating in Malta, attracted by its favorable regulatory framework and stable economy.
As Malta is a member of the European Union, banks must comply with EU regulations, which helps to reinforce the confidence and transparency of the Maltese financial sector.
Expatriation in Malta
Expatriation to Malta can be a rewarding experience thanks to its Mediterranean climate, multilingual environment and strategic position in Europe.
Here are some essential points to consider when relocating to Malta:
1. Visa and residence permit
EU/EEA/Swiss citizens: No visa is required to enter Malta. However, you will need to register with the local authorities if your stay exceeds three months.
Non-EU citizens: A visa is generally required to enter Malta, and a residence permit is necessary for longer stays.
2. Jobs and the economy
Malta has a dynamic job market, particularly in the IT, online gaming, finance and tourism sectors.
It is advisable to look for a job before relocating, or to find out about local opportunities.
3. Cost of living
The cost of living in Malta is generally lower than in many other European countries, but this can vary according to location and lifestyle.
Rental costs can be high in popular areas such as Sliema, St. Julian’s, and Valletta.
4. Accommodation
There are a variety of accommodation options, from modern apartments to traditional Maltese houses.
It is advisable to use an estate agent to find suitable accommodation.
5. Health
Malta has a good public and private healthcare system.
EU citizens can use their European Health Insurance Card (EHIC) to access public health services for a short period.
6. Language
The official languages are Maltese and English. English is widely used in business and administration.
It may be useful to learn some basic Maltese to integrate more easily.
7. Education
Malta offers both free public and fee-paying private schools.
The island is also home to several internationally recognized institutions of higher learning.
8. Culture and leisure
Malta is rich in history and culture, with numerous historic sites, festivals and events throughout the year.
Outdoor activities such as diving, sailing and hiking are popular.
9. Transport
Public transport in Malta consists mainly of buses. It is also common to rent or buy a car.
Malta has a dense road network, but parking can be a challenge in urban areas.
10. Taxes
Malta offers attractive tax benefits for expatriates, including specific tax schemes such as the Retirement Residency Scheme and the High Income Residency Scheme.
11. Integration and community
Malta has a vibrant expatriate community, and there are numerous associations and social groups to facilitate integration.
Useful resources
Government of Malta: Official site for information on visas, permits and other administrative formalities.
Expatriate associations : Various local organizations can help with transition and integration.
Expatriation to Malta can offer a pleasant quality of life with many opportunities, both professional and personal.
Being well informed and prepared will facilitate a smooth transition.
*Trust fees may be added to our initial fee. Our rate does not include the registration of share capital and domiciliation (registered office address, digital mail management, follow-up, assistance: €690 + VAT.) Free trust fees from May 20 to June 07, 24.
As an option, on request and subject to quotation, we can help you create the economic substance of your company (location, materialization, recruitment, organization, development).
*The registration of a bank account* by a third party is illegal, even with a power of attorney; we invite you to be wary of sites offering to open a bank account* for you. An independent manager from our company, an account manager working for the bank, will call you to handle your request to open a bank account*. Our service is to put you in touch with the bank, not to open a bank account*. The bank has the sole right to decide whether or not to open a bank account* (art. L. 312-1, II CMF). The bank’s decision is based on the applicant’s profile and eligibility to open a bank account*. We do not open a bank account ourselves and do not guarantee the opening of a bank account*. Banking introduction* is a service obligation, not a performance obligation or a results requirement. See our other special conditions and our Terms of use, sales and privacy policy.