About Us

A digital bank with a human touch

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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.

Chairman’s Letter

EKMEL ÇİLİNGİR

In 2018, we embarked on a journey as the European Merchant Bank (EMBank) to bring together the enthusiasm and the fast-paced of the digital era and the vast accumulation of experience and business acumen of the banking industry.

Our focus was, and has ever been ‘banking for growth’; which translates into business insights, products and technology to empower our clients. We pride ourselves on high professional standards, transparent practices, resilience to find solutions and long-term commitment to all our partners.

We believe in being proactive and agile with the solutions we provide and being smart about harnessing technology and insights to serve our clients’ needs. And more importantly, we believe in partnering with our clients towards their success, and in relations built on trust and integrity.

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

Partnership

We are not just a bank, but a partner for our clients, ensuring that every financial solution works towards their success.

Trust and Integrity

We believe in the future of business, which is based on transparency and trust and the integrity of banking activities.

Smartness

We harness technology and insights to provide sophisticated banking solutions, always reflecting on our clients’ evolving needs.

Proactive Agility

We embrace change with foresight and flexibility, proactively adapt to the evolving financial landscape.

Careers

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

News

Access our press releases and announcements.

Corporate Governance

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

Reports

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

Media

Visit our media gallery containing insightful resources

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

Dr. Vygintas Bubnys

Independent Member

Simona Grinevičienė

Independent Member

Hakan Türkmen

Independent Member

Executive Team

Management Team

Ezgi Karaca

Head of Financial Institutions

Gaye Akar

Head of Human Resources

Ozan Alparslan

Head of Internal Audit

Canes Tuzkaya Gumrukcu

Head of Client Management

Ozge Gurluk

Head of Operations

Mehmet Kaya

Head of AML / CFT

Our Founder

Dr. Ozan Ozerk

Founder of EMBank

Memberships and Partners

Memberships and partners