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Justcards (Europe) Limited

Malta
2.7(37 ratings)ActiveEMI
View on register

Regulator

Malta Financial Services Authority

Licence number

C106164

Authorised since

22 Jan 2025

EEA passports

12

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach
Multi-marketTier B

Passports into 12 EEA jurisdictions.

Scope
Full-serviceTier A

Authorised for 9 payment-services activities.

Tenure
NewTier D

Authorised under 2 years ago.

About this institution

Verified active. Justcards (Europe) Limited holds a Maltese EMI licence C106164 under the Malta Financial Services Authority, granted 22 January 2025. The licence authorises issuance of electronic money and cash deposit services on a payment account. It also covers safeguarding of customer funds and execution of payment transactions where the funds are covered by a credit line. The licence includes account information services (AIS), issuing payment instruments and acquiring payment transactions, payment initiation services (PIS) and execution of payment transactions on a payment account.

The licence allows passporting into 12 EEA host states: Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Spain, Sweden.

Data note: The register records the licence grant date as 22 January 2025 and lists the operational status as active. The Malta Financial Services Authority issued Licence C106164 to Justcards (Europe) Limited, with status active as at the last register examination.

Licence timeline

3 dated events

Dated events for Justcards (Europe) Limited, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

  1. Cross-checked against the Malta Financial Services Authority register

    Automated daily verification of licence status and reference.

  2. First verified and added to this directory

  3. Licence granted by the Malta Financial Services Authority

Position in the Malta register

Malta EMIs

43

Active

43

Full / small licences

43 / 0

Licence age rank

37/43

Justcards (Europe) Limited is one of 43 e-money institutions on the Malta register, 43 of which are currently active. Its licence is the 37th oldest of the 43 dated Malta EMI authorisations, one of 5 granted in 2025.

Is your money safe with Justcards (Europe) Limited?

Justcards (Europe) Limited holds an e-money authorisation from Malta Financial Services 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 →

EEA passporting

12 jurisdictions

Under the EU passporting regime, Justcards (Europe) Limited can provide services across the following EEA jurisdictions, in addition to its home authorisation in Malta.

  • LuxembourgLuxembourg12
  • IrelandIreland12
  • SpainSpain12
  • GermanyGermany12
  • FranceFrance12
  • BelgiumBelgium12
  • DenmarkDenmark12
  • NorwayNorway12
  • SwedenSweden12
  • ItalyItaly12
  • FinlandFinland12
  • NetherlandsNetherlands12

Authorised activities (PSD2 / EMD2)

Payment-services activities Justcards (Europe) Limited is permitted to carry out under its licence, as recorded in the register.

  • Execution of payment transactions on a payment accountPSD2_3
  • Safeguarding of customer fundsSAFEGUARDING
  • Issuing payment instruments and acquiring payment transactionsPSD2_5
  • Execution of payment transactions where funds are covered by credit linePSD2_4
  • Cash withdrawal services on a payment accountPSD2_2
  • Issuance of electronic moneyEMI_ISSUANCE
  • Payment initiation services (PIS)PSD2_7
  • Account information services (AIS)PSD2_8
  • Cash deposit services on a payment accountPSD2_1

Frequently asked questions

Is Justcards (Europe) Limited a licensed e-money institution?
Yes. Justcards (Europe) Limited holds EMI authorisation from Malta Financial Services Authority in Malta, licence reference C106164. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
Who regulates Justcards (Europe) Limited?
Justcards (Europe) Limited is authorised and supervised by Malta Financial Services Authority in Malta. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
What is Justcards (Europe) Limited's licence or FRN number?
Justcards (Europe) Limited's licence reference number is C106164. 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 Justcards (Europe) Limited authorised in other EEA countries?
Yes. Justcards (Europe) Limited is passported to 12 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 Malta

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Registered office

Street
85 Triq San Gwann
City
Valletta, VLT1165

Ratings & reader notes

37 ratings · 0 written notes

2.7(37 ratings)
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