Is PayPal UK Ltd a licensed e-money institution?

Yes. PayPal UK Ltd holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 994790. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.

Who regulates PayPal UK Ltd?

PayPal UK Ltd is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.

What is PayPal UK Ltd's licence or FRN number?

PayPal UK Ltd's licence reference number is 994790. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

PayPal UK Ltd

4.0(378 notes)ActiveEMI

View on register

Regulator

Financial Conduct Authority

Licence number

994790

Authorised since

31 Oct 2023

EEA passports

Profile rates

Data-derived · A is broadest

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

Reach: DomesticTier D
Scope: SpecialistTier C
Tenure: GrowingTier C

Pricing snapshot

Editorial · Personal wallet

Headline fees on the published free / standard plan, taken from the institution’s own fee schedule.

Plan: Personal wallet
Monthly fee: Free
Card issuance: n/a
Free ATM / month: n/a
ATM fee: n/a
FX markup: 3.00% over base rate on conversions
SEPA transfer: Free in EUR within EEA
SWIFT transfer: Variable by destination

Domestic personal sends free in GBP. International personal: 5% (min GBP 0.99, max GBP 2.99). Bank withdrawal free in same currency.

Verified 8 May 2026Source ↗

About this institution

Verified active. PayPal UK Ltd holds a current licence issued by the Financial Conduct Authority on 31 October 2023. The entity is authorised to issue electronic money, distribute and redeem electronic money, and safeguard customer funds. Licence reference 994790 confirms these three core activities as the scope of the authorisation.

The register lists zero EEA host states under PassportingServices. PayPal UK Ltd operates its e-money activities from its United Kingdom base without recorded passporting reach into other EEA jurisdictions.

Data note: the entity's authorisation continues as active as at the last register cross-check. No EEA passporting is on record. The Financial Conduct Authority, reference 994790, confirms the current operational status.

Authorised activities (PSD2 / EMD2)

Payment-services activities PayPal UK Ltd is permitted to carry out under its licence, as recorded in the register.

Issuance of electronic moneyEMI_ISSUANCE
Safeguarding of customer fundsSAFEGUARDING
Distribution and redemption of electronic moneyEMI_DISTRIBUTION

Frequently asked questions

Is PayPal UK Ltd a licensed e-money institution?: Yes. PayPal UK Ltd holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 994790. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
Who regulates PayPal UK Ltd?: PayPal UK Ltd is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.
What is PayPal UK Ltd's licence or FRN number?: PayPal UK Ltd's licence reference number is 994790. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

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

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