Square

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

Plan

Free (merchant)

Monthly fee

Free

Card issuance

n/a

Free ATM / month

n/a

ATM fee

n/a

FX markup

1.50% on non-EEA card transactions

SEPA transfer

Free payouts

SWIFT transfer

n/a

Same Square pricing tier in EUR for EEA merchants; in-person 1.75% major cards.

Verified 8 May 2026·Source ↗

About this institution

Dated events for Square, 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 Central Bank of Ireland register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 18 Jun 2020

   Licence granted by the Central Bank of Ireland

Position in the Ireland register

Square is one of 30 e-money institutions on the Ireland register, 30 of which are currently active. Its licence is the 13th oldest of the 30 dated Ireland EMI authorisations, one of 5 granted in 2020.

Is your money safe with Square?

Square holds an e-money authorisation from Central Bank of Ireland, 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, Square can provide services across the following EEA jurisdictions, in addition to its home authorisation in Ireland.

• Germany5
• Hungary5
• Spain5
• Norway5
• Portugal5
• Liechtenstein5
• France5
• Latvia5
• Bulgaria5
• Slovenia5
• Slovakia5
• Poland5
• Austria5
• Croatia5
• Italy5
• Finland5
• Belgium5
• Denmark5
• Greece5
• Estonia5
• Lithuania5
• Sweden5
• Romania5
• Czech Republic5
• Malta5
• Iceland5
• Netherlands5
• Luxembourg5
• Cyprus5

Authorised activities (PSD2 / EMD2)

Payment-services activities Square 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
• ✓Issuance of electronic moneyEMI_ISSUANCE

Frequently asked questions

Is Square a licensed e-money institution?

Yes. Square holds EMI authorisation from Central Bank of Ireland in Ireland, licence reference C184117. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates Square?

Square is authorised and supervised by Central Bank of Ireland in Ireland. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is Square's licence or FRN number?

Square's licence reference number is C184117. 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 Square authorised in other EEA countries?

Yes. Square is passported to 29 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 Ireland

• Booking Holdings Financial Services International Limited
• Coinbase Ireland Limited
• Currenxie Technologies Limited
• Decta Limited
• Pecan Expense
• Facebook Payments International Limited
• Gemini Payments Europe Limited
• GVS Prepaid (Europe) Limited

View all institutions in Ireland →

Registered office

Street

One Park Place, Hatch Street Upper

City

Dublin 2, Not Available