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Cross-checked against the FCA + EBA registers

Licensed EMIsSee verified EMIs

FromMe

Latvia

Legal name: SIA "Happycard"

Not yet ratedActiveSmall EMI
View on register

Regulator

Latvian Financial and Capital Market Commission

Licence number

53603046151

Authorised since

30 Sept 2011

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
SpecialistTier C

Authorised for 2 payment-services activities.

Tenure
EstablishedTier A

Authorised 15 years ago.

About this institution

Verified active. SIA "Happycard", trading as FromMe, holds a current Latvian small electronic money issuer licence with reference 53603046151 under the Latvian Financial and Capital Market Commission. The licence authorises safeguarding of customer funds and issuance of electronic money.

No EEA passporting is recorded for the licence, so the entity is not authorised to operate in other European Economic Area states under this licence.

Data note: licence granted 30 September 2011. The register lists the licence reference 53603046151. The Latvian Financial and Capital Market Commission confirms the licence as active at the last cross-check.

Licence timeline

3 dated events

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

  1. Cross-checked against the Latvian Financial and Capital Market Commission register

    Automated daily verification of licence status and reference.

  2. First verified and added to this directory

  3. Small EMI registration granted by the Latvian Financial and Capital Market Commission

Position in the Latvia register

Latvia EMIs

21

Active

21

Full / small licences

12 / 9

Licence age rank

1/21

FromMe is one of 21 e-money institutions on the Latvia register, 21 of which are currently active. Its licence is the 1st oldest of the 21 dated Latvia EMI authorisations, one of 4 granted in 2011. As a small-EMI registration it operates domestically only - 9 of the 21 Latvia entries use this lighter regime.

Is your money safe with FromMe?

FromMe holds a small-EMI registration from Latvian Financial and Capital Market Commission, 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 FromMe is permitted to carry out under its licence, as recorded in the register.

  • Issuance of electronic moneyEMI_ISSUANCE
  • Safeguarding of customer fundsSAFEGUARDING

Frequently asked questions

Is FromMe a licensed e-money institution?
Yes. FromMe holds Small EMI authorisation from Latvian Financial and Capital Market Commission in Latvia, licence reference 53603046151. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
Who regulates FromMe?
FromMe is authorised and supervised by Latvian Financial and Capital Market Commission in Latvia. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
What is FromMe's licence or FRN number?
FromMe's licence reference number is 53603046151. 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 Latvia

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Registered office

Street
Brīvības gatve 236 - 71
City
Rīga, LV-1039

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