What is the difference between an authorised EMI, a small EMI and a PI?

An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.

How are the listings in this directory verified?

Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.

Is money held with an EMI protected like a bank deposit?

No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.

How current is the data?

Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.

EMI register: licensed e-money institutions

699 institutions · EMI · active

Every authorised e-money institution across the UK and the EEA, each cross-checked against the FCA Financial Services Register and the EBA EUCLID register. Filter by licence type, live status or EEA passporting, or search by firm name and reference number.

Licence:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

VerifiedFCA 900993

Nebeus Solutions Limited

EMI · United Kingdom

Verified active. NEBEUS SOLUTIONS LIMITED holds a current licence issued by the Financial Conduct Authority under reference 900993.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.53

Nec Pay Limited

EMI · Cyprus

Verified active. NEC PAY LIMITED holds a current Cyprus electronic money licence. The licence authorises the issuance of electronic money for use within the European Economic Area.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000247

Neo Finance, AB

EMI · Lithuania

Verified active. Neo Finance AB holds licence reference LB000247, authorised by the Bank of Lithuania, granted 30 October 2018.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA 115.1.3.15

NETinfoPAY Ltd (formerly Allpay Ltd)

EMI · Cyprus

Verified active. NETinfoPAY Ltd, formerly Allpay Ltd, holds a Cyprus e-money licence.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.6

Active

VerifiedFCA LB001967

Newrails, UAB

EMI · Lithuania

Verified active. Newrails UAB holds a current Lithuanian e-money licence.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900922

New Wave Capital Limited

EMI · United Kingdom

Verified active. New Wave Capital Limited holds a current UK e-money licence from the Financial Conduct Authority, cross-checked against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 122964

Nexi Germany GmbH

EMI · Germany

Verified active. Nexi Germany GmbH holds a current German e-money licence under reference 122964 issued by the Bundesanstalt fur Finanzdienstleistungsaufsicht.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.0

Active

VerifiedFCA 04107060966

Nexi Payments S.P.A.

EMI · Italy

Verified active. NEXI PAYMENTS S.P.A. holds a current Italian e-money licence issued by Banca d'Italia.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.0

Active

VerifiedFCA LB000244

Nextedge, UAB

EMI · Lithuania

Verified active. NEXTEDGE UAB holds a current Lithuanian e-money licence from the Bank of Lithuania.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.6

Active

VerifiedFCA LB001958

Nikulipe UAB

EMI · Lithuania

Verified active. Nikulipe UAB, registered in Lithuania, holds a Bank of Lithuania electronic money licence (LB001958).

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA R193543

Nium Europe B.V.

EMI · Netherlands

Verified active. Nium Europe B.V. holds a current Dutch e-money licence (R193543) from De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C 98342

Nium Financial Services Malta Ltd

EMI · Malta

Verified active. Nium Financial Services Malta Ltd is authorised by the Malta Financial Services Authority.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.5

Active

VerifiedFCA 901024

Nium Fintech Limited

EMI · United Kingdom

Verified active. Nium Fintech Limited holds a current UK e-money licence under the FCA. The licence allows safeguarding of customer funds, issuance of electronic money, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900800

NIUM Payments UK Limited

EMI · United Kingdom

Verified active. NIUM Payments UK Limited holds a current UK EMI licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C458163

NoFrixion Limited

EMI · Ireland

Verified active. NoFrixion Limited holds a current Irish e-money licence C458163 issued by the Central Bank of Ireland.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 920428959

NorgesGruppen Finans AS

EMI · Norway

Verified active. NorgesGruppen Finans AS holds a current Norwegian e-money licence from the Financial Supervisory Authority of Norway (FI).

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 50203650291

NorthernTech SIA

EMI · Latvia

Verified active. NorthernTech SIA holds a Latvian e-money licence under Bank of Latvia reference 50203650291.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 920245676

Norwegian Block Exchange AS

EMI · Norway

Verified active. Norwegian Block Exchange AS operates under a Norwegian e - money licence granted 19 January 2024.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900924

Noveba Limited

EMI · United Kingdom

Verified active. Noveba Limited, a United Kingdom electronic money institution, holds licence reference 900924 with the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA IEN117

NOWA FINANCIAL d.o.o.

EMI · Croatia

Verified active. NOWA FINANCIAL d.o.o. holds a Croatian e-money licence, reference IEN117, granted 11 March 2022, issued by the Croatian National Bank.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 1047531

Nsave Ltd

EMI · United Kingdom

Verified active. NSAVE LTD holds a current UK e-money licence 1047531 from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 15539261006

Numia S.P.A.

EMI · Italy

Verified active. NUMIA S.P.A. holds licence reference 15539261006 from Banca d'Italia. The licence authorises execution of payment transactions on a payment account.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 994233

Nuvei Financial Services Limited

EMI · United Kingdom

Verified active. NUVEI FINANCIAL SERVICES LIMITED holds a current UK e-money licence from the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.9

Nuvei Limited (former name: SAFECHARGE LTD)

EMI · Cyprus

Verified active. Nuvei Limited, formerly SAFECHARGE LTD, holds a current licence from the Central Bank of Cyprus.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.9

Active

VerifiedFCA 900005

Nvayo Limited

EMI · United Kingdom

Verified active. Nvayo Limited holds a UK e-money licence, authorised to issue, distribute and redeem electronic money, safeguard customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1043609

Odola Ltd

EMI · United Kingdom

Verified active. ODOLA LTD holds a current UK e-money licence. It is authorised to safeguard customer funds, distribute and redeem electronic money and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C190174

OFX

EMI · Ireland

Verified active. OFX Payments Ireland LTD, trading as OFX, holds an electronic money licence issued by the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA 890111776

Okali

EMI · France

Verified active. Okali holds licence 890111776, granted 26 March 2021 by Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.1

Active

VerifiedFCA LB001991

Okeo Payments, UAB

EMI · Lithuania

Verified active. Okeo Payments, UAB holds a current Lithuanian e-money licence, reference LB001991, from the Bank of Lithuania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901093

Omega Baap Limited

EMI · United Kingdom

Verified active. OMEGA BAAP LIMITED is authorised by the FCA to issue electronic money. It also holds safeguards for customer funds under the same licence.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900123

Omnio EMI Limited

EMI · United Kingdom

Verified active. OMNIO EMI Limited holds a current licence issued by the Financial Conduct Authority under reference 900123.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900150

One Money Mail Limited

EMI · United Kingdom

Verified active. One Money Mail Limited holds a current UK e-money licence granted on 19 April 2018 by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 916910436

OneSettle AS

EMI · Norway

Verified active. OneSettle AS holds a Norwegian e-money licence (ref 916910436). It authorises safeguarding of customer funds and execution of payment transactions on a payment account.

Cross-border reachRegional
Service scopeMulti-service
Reader rating5.0

Active

VerifiedFCA 115.1.3.44

Onevault EEA Ltd (previous name: Capitallfin Ltd)

EMI · Cyprus

Verified active status.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.1

Active

VerifiedFCA 1003976

Online Payment Platform Limited

EMI · United Kingdom

Verified active. Online Payment Platform Limited holds a current UK e-money licence issued by the Financial Conduct Authority on 23 September 2024.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001915

Opal Transfer EU, UAB

EMI · Lithuania

Verified active. Opal Transfer EU, UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.2

Active

About this directory

An e-money institution (EMI) is a firm authorised to issue electronic money and to provide payment services such as payment accounts, cards and transfers. In the UK these firms are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by a national competent authority under the E-Money Directive and listed in the European Banking Authority’s central register.

This directory brings those separate registers into one place. Each entry records the firm’s licence type — authorised EMI, small EMI or payment institution — its home regulator, reference number and current authorisation status, and is re-checked against the source register on a weekly cadence. Listings whose licence has been withdrawn, lapsed or suspended are flagged or filtered out rather than left to go stale.

Frequently asked questions

What is an e-money institution (EMI)?: An e-money institution is a firm authorised to issue electronic money — a digital store of prepaid funds — and to provide related payment services such as payment accounts, cards and transfers. In the UK, EMIs are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by their national competent authority under the E-Money Directive and recorded in the European Banking Authority's central register.
What is the difference between an authorised EMI, a small EMI and a PI?: An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.
How are the listings in this directory verified?: Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.
Is money held with an EMI protected like a bank deposit?: No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.
How current is the data?: Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.