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PCKT Money Oyj

Finland
Not yet ratedActiveSmall EMI
View on register

Regulator

Finnish Financial Supervisory Authority

Licence number

18640022

Authorised since

30 Dec 2015

EEA passports

0

Profile rates

Data-derived · A is broadest

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

Reach
DomesticTier D

No EEA passporting on record.

Scope
Multi-serviceTier B

Authorised for 7 payment-services activities.

Tenure
EstablishedTier A

Authorised 10 years ago.

About this institution

Verified active. PCKT Money Oyj is a Finnish small electronic money institution operating under a licence granted on 30 December 2015. The licence authorises safeguarding of customer funds, execution of payment transactions on a payment account, cash deposit services on a payment account, issuing payment instruments and acquiring payment transactions, cash withdrawal services on a payment account, issuance of electronic money, and execution of payment transactions where funds are covered by a credit line. Licensed as a small electronic money institution.

The Finnish register indicates no EEA passporting states are associated with this entity. Consequently, PCKT Money Oyj can only provide services within Finland and does not hold licences to operate in other European Economic Area states. The absence of passporting limits operations to domestic clients only.

Licence reference 18640022 is listed in the Finnish Financial Supervisory Authority register as active. The issuance date of 30 December 2015 is recorded. No passporting is documented, and the operational status remains active as of the latest cross-check. The register also confirms the licence type as small electronic money institution. This information was verified against the latest register update and cross-checked on 12 January 2026. Finnish Financial Supervisory Authority, licence reference 18640022, active as of the last cross-check.

Licence timeline

3 dated events

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

  1. Cross-checked against the Finnish Financial Supervisory Authority register

    Automated daily verification of licence status and reference.

  2. First verified and added to this directory

  3. Small EMI registration granted by the Finnish Financial Supervisory Authority

Position in the Finland register

Finland EMIs

16

Active

16

Full / small licences

9 / 7

Licence age rank

2/16

PCKT Money Oyj is one of 16 e-money institutions on the Finland register, 16 of which are currently active. Its licence is the 2nd oldest of the 16 dated Finland EMI authorisations. As a small-EMI registration it operates domestically only - 7 of the 16 Finland entries use this lighter regime.

Is your money safe with PCKT Money Oyj?

PCKT Money Oyj holds a small-EMI registration from Finnish Financial Supervisory 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. Small-EMI regimes are national and domestic-only; the exact safeguarding arrangements are worth confirming with the firm and its regulator.

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

Authorised activities (PSD2 / EMD2)

Payment-services activities PCKT Money Oyj is permitted to carry out under its licence, as recorded in the register.

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

Frequently asked questions

Is PCKT Money Oyj a licensed e-money institution?
Yes. PCKT Money Oyj holds Small EMI authorisation from Finnish Financial Supervisory Authority in Finland, licence reference 18640022. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
Who regulates PCKT Money Oyj?
PCKT Money Oyj is authorised and supervised by Finnish Financial Supervisory Authority in Finland. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
What is PCKT Money Oyj's licence or FRN number?
PCKT Money Oyj's licence reference number is 18640022. 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.

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

Other licensed institutions in Finland

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Registered office

Street
Fredrikinkatu 61
City
HELSINKI, 00100

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