IPF Digital AS

About this institution

Dated events for IPF Digital AS, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 01 Oct 2026

   Cross-checked against the Estonian Financial Supervision Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 11 Jan 2021

   Licence granted by the Estonian Financial Supervision Authority

Position in the Estonia register

IPF Digital AS is one of 3 e-money institutions on the Estonia register, 3 of which are currently active. Its licence is the 2nd oldest of the 3 dated Estonia EMI authorisations.

Is your money safe with IPF Digital AS?

IPF Digital AS holds an e-money authorisation from Estonian Financial Supervision Authority, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

Under the EU passporting regime, IPF Digital AS can provide services across the following EEA jurisdictions, in addition to its home authorisation in Estonia.

• Lithuania10
• Latvia10

Authorised activities (PSD2 / EMD2)

Payment-services activities IPF Digital AS is permitted to carry out under its licence, as recorded in the register.

• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Cash withdrawal services on a payment accountPSD2_2
• ✓Execution of payment transactions where funds are covered by credit linePSD2_4
• ✓Cash deposit services on a payment accountPSD2_1
• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5
• ✓Execution of payment transactions on a payment accountPSD2_3
• ✓Safeguarding of customer fundsSAFEGUARDING

Frequently asked questions

Is IPF Digital AS a licensed e-money institution?

Yes. IPF Digital AS holds EMI authorisation from Estonian Financial Supervision Authority in Estonia, licence reference 11034137. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates IPF Digital AS?

IPF Digital AS is authorised and supervised by Estonian Financial Supervision Authority in Estonia. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is IPF Digital AS's licence or FRN number?

IPF Digital AS's licence reference number is 11034137. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.

Is IPF Digital AS authorised in other EEA countries?

Yes. IPF Digital AS is passported to 2 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

Other licensed institutions in Estonia

• inHouse Pay AS
• Monemon AS

View all institutions in Estonia →

Registered office

Street

Lõõtsa tn 5

City

Tallinn, 11415