MeDirect Group today announced the completion of its acquisition by Banka CREDITAS, part of the privately owned Czech based CREDITAS Group which has interests in financial services, real estate and energy. This acquisition follows the signing of a share purchase agreement in November 2024 and subsequent regulatory approval from the European Central Bank (ECB) in August 2025. With this new strategic shareholder, MeDirect Group aims to accelerate its expansion and explore new opportunities for growth.
Founded in Malta in 2004, MeDirect Group has more recently established itself as a pan-European challenger bank. As Malta’s first digital bank, the organisation offers clients a unique blend of mobile and digital banking and investment services, combined with personalised services through its branches and Malta-based contact centre. The Group’s expansion as a purely digital bank into Belgium has seen MeDirect become the third largest Maltese bank with more than 160,000 customers throughout the group, holding more than €6 billion in assets.
Mr. Jiří Hrouda, CEO of CREDITAS Group said: “We are enthusiastic to welcome MeDirect into the CREDITAS family. While MeDirect has already delivered impressive sustainable growth, we strongly believe that there is still enormous potential for further development. With a best-in-class secure digital banking platform, developed by the Malta-based tech team, and a unique set of banking, investment and lending services for retail and corporate customers, MeDirect and CREDITAS Group share the same DNA and aspire to serve the most demanding clients.”
While the MeDirect Group will now become a subsidiary of Banka CREDITAS, which has been operating in Czechia since 2016, the MeDirect brand will be retained. “Today marks the beginning of a new chapter in MeDirect’s growth journey. Having Banka CREDITAS as our shareholder means we now have greater firepower to continue our mission to challenge the traditional banking landscape,” said Jean-Claude Maher, Group CEO of MeDirect. “Our shared standards with Banka CREDITAS around customer-centricity and innovation make this partnership particularly exciting as we seek to expand the bank and find new opportunities to make our digital banking platform more widely available across Europe.”
MeDirect’s ambitions for Malta will focus on providing a full suite of products and services which give both retail and corporate customers the tools to manage their finances on their terms. As a Maltese bank with an innovative platform, MeDirect already offers unrivalled access to more than 4,300 financial products, market leading interest rates on fixed and instant access deposit accounts, multi-currency daily banking accounts and a bespoke digital banking platform for corporate customers. In addition, it has an established reputation for the fastest response and processing times on home loans. In the coming months, with the capital to be invested by Banka CREDITAS, MeDirect will work to ensure it can offer an even broader range of services to all residents and businesses in Malta, while retaining its focus on efficiency and customer centricity.
“The strategic partnership with Banka CREDITAS represents more than just financial backing, it’s an alignment of values and vision, with both organisations sharing a commitment to challenging the status quo in banking. Maltese retail and corporate customers can rest assured that MeDirect will remain a proud Maltese bank, fully committed to meeting the needs of customers and supporting the country’s economic prosperity. Expect to see further developments in the coming months”, concluded Maher.
MeDirect Bank (Malta) plc, company registration number C34125, is licensed to undertake the business of banking in terms of the Banking Act (Cap. 371) and investment services under the Investment Services Act (Cap. 370). MeDirect Bank (Malta) plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994.
Il-Bank MeDirect se jiffoka fuq it-tkabbir tiegħu wara investiment minn Banka CREDITAS
Il-Grupp MeDirect illum ħabbar li l-akkwist tiegħu minn Banka CREDITAS ġie komplut. Banka CREDITAS hu parti mill-Grupp CREDITAS li huwa ibbażat fiċ-Ċekja u li għandu kumpaniji w investimenti fis-servizzi finanzjarji, proprjetà immobbli u fl-enerġija. Dan l-akkwist sar wara l-iffirmar ta’ ftehim ta’ xiri ta’ ishma f’Novembru 2024 u wara li ngħatat l-approvazzjoni regolatorja mill-Bank Ċentrali Ewropew f’Awwissu 2025. B’dan il-shareholder strateġiku ġdid, MeDirect qed jimmira li jħaffef l-espansjoni tiegħu u jiftaħ il-bibien għal opportunitajiet ġodda ta’ tkabbir.
Imwaqqaf f’Malta fl-2004, il-Grupp MeDirect stabbilixxa ruħu bħala challenger bank pan-Ewropew. Bħala l-ewwel bank diġitali f’Malta, MeDirect joffri lill-klijenti tiegħu għażla unika ta’ servizzi bankarji u ta’ investimenti diġitali, flimkien ma’ servizzi personalizzati permezz tal-fergħat tiegħu u l-contact centres li huma bbażati f’Malta. It-tkabbir tal-Grupp bħala bank kompletament diġitali fil-Belġju wasslet biex MeDirect sar it-tielet l-akbar bank Malti b’aktar minn 160,000 klijent u aktar minn €6 biljun f’assi.
Jiří Hrouda, CEO ta’ CREDITAS Group, qal “Aħna entużjasti li nilqgħu lil MeDirect fil-familja CREDITAS. Filwaqt li MeDirect diġà wera tkabbir sostenibbli u impressjonanti, aħna nemmnu bis-sħiħ li għad hemm potenzjal enormi għal aktar żvilupp. B’pjattaforma bankarja diġitali sigura u ta’ l-aqwa livell, żviluppata mit-tim ibbażat f’Malta, u b’sett uniku ta’ servizzi bankarji, ta’ investiment u ta’ self għall-klijenti individwali kif ukoll għal dawk korporattivi, MeDirect u CREDITAS Group għandhom l-istess DNA u jaspiraw li jservu dawk il-klijenti li jridu biss l-aqwa.”
Filwaqt li l-Grupp MeDirect issa se jkun parti minn Banka CREDITAS, li ilha topera fiċ-Ċekja mill-2016, l-isem MeDirect se jinżamm. “Illum jimmarka l-bidu ta’ kapitlu ġdid fil-vjaġġ ta’ MeDirect. Li jkollna lil Banka CREDITAS bħala s-shareholder tagħna jfisser li issa għandna aktar saħħa biex inkomplu l-missjoni tagħna li nkomplu ninnovaw il-prodotti li noffru u niżviluppaw oħrajn ġodda,” qal Jean-Claude Maher, CEO tal-Grupp MeDirect. “It-twemmin tagħna, li huwa ukoll dak ta’ Banka CREDITAS, li niffukaw fuq il-klijent u l-innovazzjoni, jagħmlu din is-sħubija eċitanti hekk kif ha nkomplu naħdmu biex inkabbru l-bank u nsibu opportunitajiet ġodda biex il-pjattaforma bankarja diġitali tagħna ssir aktar aċċessibbli madwar l-Ewropa.”
L-ambizzjonij ta’ MeDirect għal Malta se tiffoka fuq li tipprovdi sett sħiħ ta’ prodotti u servizzi li jagħtu lill-klijenti individwali kif ukoll lil dawk korporattivi l-għodod biex jimmaniġġjaw il-finanzi tagħhom skont il-bżonnijiet li jkollhom.
Bħala bank Malti b’pjattaforma innovattiva, MeDirect diġà joffri aċċess bla paragun għal aktar minn 4,300 prodott finanzjarju, rati ta’ imgħax fost l-aqwa fis-suq fuq kontijiet ta’ depożitu kemm dawk li jagħtu aċċess immedjat kif ukoll dawk b’terminu fiss. MeDirect joffri wkoll kontijiet bankarji ta’ kuljum f’diversi muniti, kif ukoll pjattaforma diġitali apposta għall-kumpaniji u businesses. Barra minn hekk, MeDirect għandu reputazzjoni stabbilita fejn jidħol is-servizz li jgħati lil klijienti u ħinijiet ta’ proċessar veloċi ħafna għas servizzi li joffri, specjalment fuq self għall-proprjetà. Fil-ġimgħat li ġejjin, bl-investiment kapitali minn Banka CREDITAS, il-bank se jkompli jaħdem biex jiżgura li jkun jista’ joffri sett saħansitra aktar wiesa’ ta’ servizzi lill-klijenti u n-negozji kollha f’Malta, filwaqt li jżomm il-fokus tiegħu fuq l-effiċjenza u l-klijenti.
“Is-sħubija strateġika ma’ Banka CREDITAS tirrappreżenta aktar minn sempliċi appoġġ finanzjarju – hija allinjament ta’ valuri u viżjoni, b’żewġ organizzazzjonijiet li huma impenjati li jikkontestaw l-istatus quo fis-settur bankarju. Il-klijenti Maltin jistgħu jserrħu rashom li MeDirect se jibqa’ bank Malti, impenjat bis-sħiħ li jissodisfa l-ħtiġijiet tagħhom u jappoġġja l-prosperità ekonomika tal-pajjiż.” ikkonkluda Maher.
MeDirect Bank, numru ta’ reġistrazzjoni tal-kumpanija C34125, huwa liċenzjat biex iwettaq in-negozju bankarju f’termini ta’ l-Att Bankarju (Kap. 371) u servizzi ta’ Investiment Taħt l-Att Dwar Is-Servizzi Ta’ Investiment (Kap. 370). MeDirect Bank (Malta) plc huwa regolat mill-Awtorità Maltija għas-Servizzi Finanzjarji bħala Istituzzjoni ta’ Kreditu taħt l-Att Bankarju tal-1994.
