VerifiedFCA 937049
Ronghan International Limited
EMI · United Kingdom
Verified active. RONGHAN INTERNATIONAL LIMITED holds a current UK e money licence from the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
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.
VerifiedFCA 156959
RS2 Financial Services GmbH
EMI · Germany
Verified active. RS2 Financial Services GmbH holds a current German e-money licence under reference 156959.
- Cross-border reachRegional
- Service scopeFull-service
- Reader rating4.7
Active
VerifiedFCA 115.1.3.33
Verified active. SAAMIPAY LTD, formerly Haleel Finance Ltd, holds a current Cypriot electronic money licence.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 40003654405
Mobilly
EMI · Latvia
Verified active. Sabiedrība ar ierobežotu atbildību "Mobilly" is a Latvian electronic money institution authorised by the Bank of Latvia under licence reference 40003654405.
- Cross-border reachRegional
- Service scopeMulti-service
- Reader rating3.5
Active
VerifiedFCA 41503033127
Transact Pro
EMI · Latvia
Verified active. Sabiedrība ar ierobežotu atbildību "Transact Pro" holds a Latvian electronic-money licence (reference 41503033127) issued by the Bank of Latvia on 20 June 2014.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.9
Active
VerifiedFCA 40860320
Safenetpay ApS
EMI · Denmark
Verified active. Safenetpay ApS holds a current Danish e-money licence. The licence authorises safeguarding of customer funds, money remittance, and the issuance of electronic money.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.6
Active
VerifiedFCA 927601
SafeNetPay Services Company Limited
EMI · United Kingdom
Verified active. SafeNetPay Services Company Limited holds a current United Kingdom e-money licence issued by the Financial Conduct Authority (reference 927601).
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Active
VerifiedFCA 920017134
Schuman Financial
EMI · France
Verified active. SALVUS, named SCHUMAN FINANCIAL, holds a French e-money licence from Autorité de Contrôle Prudentiel et de Résolution, licence reference 920017134.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.8
Active
VerifiedFCA W00000010
Satispay Europe S.A.
EMI · Luxembourg
Verified active. Satispay Europe S.A. holds a Luxembourg e-money licence from the Commission de Surveillance du Secteur Financier.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.6
Active
VerifiedFCA 900647
Seachange Financial Services Limited
EMI · United Kingdom
Verified active. SEACHANGE FINANCIAL SERVICES LIMITED is a UK-based electronic money institution authorised by the FCA under licence reference 900647.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB000412
„Secure Nordic Payments“, UAB
EMI · Lithuania
Verified active. Secure Nordic Payments, UAB is an authorised electronic money institution under the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA 6705
Sefide, E.D.E., S.L.
EMI · Spain
Verified active. SEFIDE E.D.E. S.L. holds a current Spanish e-money licence (reference 6705).
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating2.8
Active
VerifiedFCA 115.1.3.18
Sepaga E.M.I. Limited
EMI · Cyprus
Verified active. SEPAGA E.M.I. LIMITED holds a current Cypriot electronic money licence. The licence authorises execution of payment transactions on a payment account, issuance of electronic money, and safeguarding of customer funds.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.6
Active
VerifiedFCA 900483
Settlego Solutions Limited
EMI · United Kingdom
Verified active. SETTLEGO SOLUTIONS LIMITED, licensed by the Financial Conduct Authority under EMI licence 900483, holds a current UK licence.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 995073064
Settle Group AS
EMI · Norway
Verified active. Settle Group AS holds a current Norwegian e-money licence. The licence authorises the company to execute payment transactions on a payment account.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.8
Active
VerifiedFCA LB002063
Sezzle Lithuania, UAB
EMI · Lithuania
Verified active. Sezzle Lithuania, UAB is licensed under reference LB002063 by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating2.7
Active
VerifiedFCA 1012490
SGM - Foreign Exchange Limited
EMI · United Kingdom
Verified active. SGM - FOREIGN EXCHANGE LIMITED is listed on the Financial Conduct Authority register as a UK electronic money institution.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 40103794693
Dukascopy Payments
EMI · Latvia
Verified active. SIA Dukascopy Payments holds a current Latvian e-money licence (reference 40103794693) issued by the Bank of Latvia.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.6
Active
VerifiedFCA 50203643321
GR8 money
EMI · Latvia
Verified active. SIA GR8 PAY holds licence 50203643321 from Bank of Latvia, granted 10 December 2025.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.7
Active
VerifiedFCA 44103143397
Mintos Payments
EMI · Latvia
Verified active. SIA Mintos Payments, trading as Mintos Payments, holds a Latvian EMI licence from Bank of Latvia, reference 44103143397.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 40203665454
Moneliq
EMI · Latvia
Verified active. SIA "MONELIQ EUROPE" trades as MONELIQ and holds a current licence from the Bank of Latvia (reference 40203665454).
- Cross-border reachPan-European
- Service scopeMulti-service
Active
VerifiedFCA 40203610348
Pace FS
EMI · Latvia
Verified active. SIA PACE FS, trading as PACE FS, holds a Latvian electronic money licence from Bank of Latvia.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.3
Active
VerifiedFCA 40203574742
SIA "Paytegra"
EMI · Latvia
Verified active. SIA Paytegra holds an electronic money institution licence from the Bank of Latvia.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 40203411426
xpate
EMI · Latvia
Verified active. SIA xpate, trading as xpate, holds a Latvian e-money licence from the Bank of Latvia, reference 40203411426.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA 115.1.3.16
Profee
EMI · Cyprus
Verified active. SIBILLA SOLUTIONS LIMITED, trading as PROFEE, holds Cyprus electronic money licence 115.1.3.16 issued by the Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.7
Active
VerifiedFCA 6729
Silbo Money Ede, S.L.
EMI · Spain
Verified active. SILBO MONEY EDE, S.L. holds a Spanish e-money licence from the Banco de España.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 46552723
SKPAY, a. s.
EMI · Slovakia
Verified active. SKPAY, a. s. holds a current Slovak e-money licence under the National Bank of Slovakia.
- Cross-border reachRegional
- Service scopeSpecialist
- Reader rating4.4
Active
VerifiedFCA 900001
Skrill Limited
EMI · United Kingdom
Verified active. Skrill Limited holds a UK electronic money licence (ref 900001) issued by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.1
Active
VerifiedFCA 115.1.3.42
Verified active. SLIQ PAYMENTS LTD, a Cyprus entity, holds a current electronic money institution licence issued by the Central Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900873
Smartflow Payments Limited
EMI · United Kingdom
Verified active. SMARTFLOW PAYMENTS LIMITED holds a current UK electronic money institution licence (reference 900873) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 45568
Smart Refill i Helsingborg AB
EMI · Sweden
Verified active. Smart Refill i Helsingborg AB has a Swedish e-money licence (reference 45568) from the Swedish Financial Supervisory Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 422721274
Verified active. Société financière du porte-monnaie électronique interbancaire is an electronic money institution authorised by Autorite de Controle Prudentiel et de Resolution.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA FR_ACPR!737174
Société Générale - Forge
EMI · France
Verified active. Société Générale - Forge holds a licence issued by the Autorité de Contrôle Prudentiel et de Résolution.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA C179925
Soldo
EMI · Ireland
Verified active. Soldo Financial Services Ireland Designated Activity Company, trading as Soldo, holds a current Central Bank of Ireland electronic money licence C179925.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.2
Active
VerifiedFCA 900459
Soldo Financial Services Ltd
EMI · United Kingdom
Verified active. Soldo Financial Services Ltd holds a current United Kingdom e-money licence (reference 900459) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 115.1.3.58
Solid Processing Limited
EMI · Cyprus
Verified active. SOLID PROCESSING LIMITED holds a current Cypriot e-money licence (Licence reference 115.1.3.58).
- Cross-border reachPan-European
- Service scopeSpecialist
- 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.