About Us

A digital bank with a human touch

We provide banking for growth. Banking for growth means having the business insight, products and technology to empower our clients. 

For fintechs, this translates to a total package consisting of a European banking license, accounts in-line with regulations, a single API-based software, and the know-how to provide a true embedded finance offering.

For businesses, it’s accessible lending options for needs big and small, payment and account solutions for local and international business’ needs.

We pride ourselves on high professional standards, transparent practices, resilience to find solutions and long-term commitment to all our partners. 

At EMBank, we combine our passion for entrepreneurship with our experience in banking.  We are entrepreneurs at heart and experienced bankers in mind. We will work together with your business to help secure its rapid growth and long-term success.

Our Philosophy

Trust and Integrity

Trust and integrity are key ingredients in developing long-term relationships with our clients. Being transparent and forthcoming are at the heart of everything we do.

Passion for Quality

Quality matters, but being passionate about quality matters even more. Our open-minded approach inspire new ideas, and our dedication results in cutting-edge solutions in partnership with our clients.

Attention to Detail

The difference between good and great is the attention to detail. At EMBank, our clients are at the centre of everything we do and this approach brings out the details that help us excel towards our clients’ needs.

Vision, Mission, Values

Vision – Banking for growth;
Mission – Enabling the underbanked businesses reach their potential through our banking services
Values – Transparency, Innovation, Cooperation, and Trust.


Working at EMBank is not about having the longest experience: You simply need to be determined to become the best at what you do.


Access our press releases and announcements.

Corporate Governance

Find out about EMBank’s history, structure, and remuneration policy.


Access our annual reports, quarterly financial statements, and other miscellaneous reports.

Our Management

We boast a management team with decades of experience in finance and technology. This enables us to provide cutting-edge digital banking services that are grounded in regulatory expertise.

Supervisory Board

Ekmel Cilingir


Dr. Vygintas Bubnys

Independent Member

Simona Grinevičienė

Independent Member

Hakan Türkmen

Independent Member

Executive Team

Sarp Demiray


Semin Dulek

Deputy CEO

Aurelijus Šveikauskas

Head of Local Sales

Eugenijus Preikša


Guven Aytas

Head of Global Sales

Management Team

Ezgi Karaca

Head of Financial Institutions

Önder Özcan


Gaye Akar

Head of Human Resources

Ana Stalmakova


Meltem Aşçıoğlu


Engin Karagulmez


Ozan Alparslan

Head of Internal Audit

Canes Tuzkaya Gumrukcu

Head of Client Management

Mehmet Akdaş


Ozge Gurluk

Head of Operations

Mehmet Kaya

Head of AML / CFT

Ayşe Mutlu Şencan

Head of Risk

Irmantas Jasevičius

Compliance Officer

Our Founder

Dr. Ozan Ozerk

Founder of EMBank

Memberships and Partners