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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

830 institutions · EMI

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All Active Defunct Withdrawn Inactive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 C184118

Moneycorp

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA 930733

Moneycorp Technologies Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901115

Moneycorp Technologies Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.46

MONEYGATE SOLUTIONS LTD (former name: Realmode Services Limited)

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 900190

MoneyNetInt Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900098

MONIEPOINT UK LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901012

Monitox Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 45062791

Monta Pay ApS

EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901069

MONTIFY LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 06529501006

MOONEY S.P.A.

EMI · Italy

Verified active against Banca d'Italia records.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900709

Moorwand Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 24759023

MOPET CZ a.s. v likvidaci

EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 792235061

MORNING

EMI · France

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 159024

Moss GmbH

EMI · Germany

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900126

MPayMe (UK) Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 983835

MP Payments UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA C71976

MTACC LTD

EMI · Malta

Licence confirmed against the Malta Financial Services Authority register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900840

MultiPass Platforms Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.87

MUSTPA LTD

EMI · Cyprus

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 82814

Mynt AB

EMI · Sweden

Verified active.

Cross-border reachRegional
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA C475122

myPOS Limited

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 900826

myPOS Payments Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 31902146

Narvi Payments Oy Ab

EMI · Finland

Verified active.

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

Active

VerifiedFCA C504018

Navro Payments Europe Limited

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 982631

Navro Payments Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002078

Nayax Europe UAB

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.8

Active

VerifiedFCA 989796

NAYAX FINANCIAL SERVICES LTD.

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900993

NEBEUS SOLUTIONS LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.53

NEC PAY LIMITED

EMI · Cyprus

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000247

Neo Finance, AB

EMI · Lithuania

Verified active as of the last cross-check against the Bank of Lithuania register.

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 against the Cyprus Securities and Exchange Commission register.

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

Active

VerifiedFCA LB001967

Newrails, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 900922

New Wave Capital Limited

EMI · United Kingdom

Verified active as at the last cross-check against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 122964

Nexi Germany GmbH

EMI · Germany

Verified active as of the last cross-check against the Bundesanstalt fur Finanzdienstleistungsaufsicht register.

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

Active

VerifiedFCA 04107060966

NEXI PAYMENTS S.P.A.

EMI · Italy

Verified active.

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

Active

VerifiedFCA LB000244

NEXTEDGE, UAB

EMI · Lithuania

Verified active as at the last cross-check.

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

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.