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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 1020730

Pleo Financial Services UK Ltd

EMI · United Kingdom

Verified active. PLEO FINANCIAL SERVICES UK LTD holds an electronic money licence under the UK Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 32669139

Pliant Oy

EMI · Finland

Verified active. Pliant Oy holds a current Finnish e-money licence, reference 32669139, authorised by the Finnish Financial Supervisory Authority.

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

Active

VerifiedFCA 1041998

Pliant Payments Limited

EMI · United Kingdom

Verified active. PLIANT PAYMENTS LIMITED holds a licence granted 5 October 2026 under reference 1041998, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1023776

Plum Fintech Payments Limited

EMI · United Kingdom

Verified active as of the latest FCA Financial Services Register cross-check. Plum Fintech Payments Limited holds a current electronic money institution licence issued by the Financial Conduct Authority under reference 1023776.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 928018

Pomelo Group Ltd

EMI · United Kingdom

Verified active. Pomelo Group Ltd holds a current UK electronic money licence, authorised by the Financial Conduct Authority under reference 928018.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 06874351007

Postepay S.P.A.

EMI · Italy

Verified active. POSTEPAY S.P.A. holds a current Italian electronic money licence, Ref 06874351007, granted by Banca d'Italia on 26 September 2018.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900029

PPRO Financial Limited

EMI · United Kingdom

Verified active. PPRO Financial Limited holds a current UK electronic money licence (reference 900029) authorised for distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 0712775202

PPS EU

EMI · Belgium

Verified active. PPS EU holds a licence granted 23 July 2019 by the National Bank of Belgium.

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

Active

VerifiedFCA 901061

Practika Finance Ltd

EMI · United Kingdom

Verified active. PRACTIKA FINANCE LTD holds a current United Kingdom e-money licence. The authorisation covers issuance of electronic money, distribution and redemption of electronic money, and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900036

Prepaid Financial Services Limited

EMI · United Kingdom

Verified active. Prepaid Financial Services Limited holds a current UK e-money licence referenced 900036.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900021

Prepaid Services Company Limited

EMI · United Kingdom

Verified active. Prepaid Services Company Limited is an Electronic Money Institution licensed by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900010

Prepay Technologies Ltd

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register. Prepay Technologies Ltd holds licence 900010, an electronic money institution authorised on 31 May 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900887

Privalgo Limited

EMI · United Kingdom

Verified active. Privalgo Limited holds a current UK e-money licence under the Financial Conduct Authority, reference 900887, granted 22 November 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900989

Privat 3 Money Ltd

EMI · United Kingdom

Verified active. Privat 3 Money Ltd holds a UK e-money licence under reference 900989 issued by the Financial Conduct Authority on 4 March 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900011

PSI-Pay Ltd

EMI · United Kingdom

Verified active. PSI-Pay Ltd holds a current UK e-money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900984

Push Labs Limited

EMI · United Kingdom

Verified active. Push Labs Limited holds licence reference 900984 under the UK Financial Conduct Authority and was granted on 7 July 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R203793

Qivalis B.V.

EMI · Netherlands

Verified active. Qivalis B.V. holds a Dutch e-money licence issued by De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R186418

Quantoz Payments B.V.

EMI · Netherlands

Verified active. Quantoz Payments B.V. holds licence reference R186418 issued by De Nederlandsche Bank.

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

Active

VerifiedFCA 115.1.3.78

Quickpay Tech (CY) Ltd

EMI · Cyprus

Verified active. QUICKPAY TECH (CY) LTD holds a Cyprus electronic money licence issued by the Central Bank of Cyprus.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 5006830589

Rapyd Europe hf.

EMI · Iceland

Verified active. Rapyd Europe hf. holds a current Icelandic e-money licence granted 11 April 2023.

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

Active

VerifiedFCA 4306023650

Rapyd

EMI · Iceland

Verified active. Rapyd Europe hf. holds a current Icelandic e-money licence granted 15 May 2012.

Cross-border reachPan-European
Service scopeFull-service
Reader rating3.0

Active

VerifiedFCA 900688

Rapyd Payments Limited

EMI · United Kingdom

Verified active. Rapyd Payments Limited holds a current UK electronic money licence granted by the Financial Conduct Authority in 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 14174720962

Rebell S.P.A.

EMI · Italy

Verified active. REBELL S.P.A. holds an Italian e-money licence issued by Banca d'Italia, cross-checked against the national register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900897

Redbanx Limited

EMI · United Kingdom

Verified active. Redbanx Limited holds a current UK e-money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 108643

Reisebank AG

EMI · Germany

Verified active. Reisebank AG holds a current German e-money licence (Licence Ref. 108643) issued by the Bundesanstalt fur Finanzdienstleistungsaufsicht on 8 April 2021.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1047222

Remitly U.K., Ltd

EMI · United Kingdom

Verified active. REMITLY U.K., LTD holds a current UK e-money licence under reference 1047222 issued by the Financial Conduct Authority on 22 June 2026.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901072

Remittance360 Ltd

EMI · United Kingdom

Verified active. REMITTANCE360 LTD, a United Kingdom entity, holds licence reference 901072 from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901062

Remium Limited

EMI · United Kingdom

Verified active. Remium Limited holds a current UK e-money licence under reference 901062.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900562

Revolut Ltd

EMI · United Kingdom

Verified active. Revolut Ltd holds a current United Kingdom electronic money institution licence, regulator Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA LB000484

Revolut Payments UAB

EMI · Lithuania

Verified active. Revolut Payments UAB holds a current Lithuanian e-money licence. Authorised activities include issuance of electronic money; cash withdrawal services on a payment account; safeguarding of customer funds; issuing payment instruments.

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

Active

VerifiedFCA R161025

Rewire EU B.V.

EMI · Netherlands

Verified active. Rewire EU B.V. holds a current licence issued by De Nederlandsche Bank on 17 December 2020.

Cross-border reachDomestic
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 900424

Rightcard Payment Services Limited

EMI · United Kingdom

Verified active. Rightcard Payment Services Limited holds a UK electronic money licence (ref.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 1028021

Ripple Markets UK Ltd

EMI · United Kingdom

Verified active. RIPPLE MARKETS UK LTD holds a current UK e-money licence. The licence authorises issuance of electronic money, distribution and redemption of electronic money, and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000021

Ripple Payments Europe S.A.

EMI · Luxembourg

Verified active. Ripple Payments Europe S.A. receives a Luxembourg e-money licence (W00000021) from the Commission de Surveillance du Secteur Financier.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA C513978

Rippling Payments Ireland Limited

EMI · Ireland

Verified active. Rippling Payments Ireland Limited holds licence C513978 from the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA 1018518

Rippling Payments UK Limited

EMI · United Kingdom

Verified active. Rippling Payments UK Limited holds a current FCA e-money licence as of 13 August 2025.

Cross-border reachDomestic
Service scopeSpecialist

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.