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Cross-checked against the FCA + EBA registers

Licensed EMIsSee verified EMIs

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:

AllEMISmall EMIExempted EMIPI

Status:

AllActiveDefunctWithdrawnInactive

Passporting:

AllWith EEA passport
VerifiedFCA 931540

Spend LTD.

EMI · United Kingdom

Verified active. SPEND LTD. holds a current UK e-money licence issued by the FCA - licence reference 931540.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 900846

Squareup Europe Ltd

EMI · United Kingdom

Verified active. Squareup Europe Ltd holds a UK e-money licence (900846) authorised by the Financial Conduct Authority to issue electronic money, distribute and redeem it, and safeguard customer funds.

  • Cross-border reachDomestic
  • Service scopeSpecialist
  • Reader rating3.9
Active
VerifiedFCA C184117

Square

EMI · Ireland

Verified active. Squareup International Limited, trading as Square, holds a current Irish electronic money licence under reference C184117.

  • Cross-border reachPan-European
  • Service scopeSpecialist
  • Reader rating3.9
Active
VerifiedFCA C 109060

Stable mint Ltd

EMI · Malta

Verified active. Stable mint Ltd, under licence C 109060, is authorised by the Malta Financial Services Authority to safeguard customer funds and issue electronic money.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA C 104007

StablR Ltd

EMI · Malta

Verified active. StablR Ltd holds a current Malta e-money licence, reference C 104007, granted on 21 June 2024 by the Malta Financial Services Authority.

  • Cross-border reachPan-European
  • Service scopeSpecialist
  • Reader rating3.9
Active
VerifiedFCA W00000023

Standard Chartered Luxembourg S.A.

EMI · Luxembourg

Verified active. Standard Chartered Luxembourg S.A. holds licence W00000023 from the Commission de Surveillance du Secteur Financier, issued 25 June 2026.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 48004

Steven AB (previously Pei Development AB)

EMI · Sweden

Verified active. Steven AB, trading as Steven AB (formerly Pei Development AB), holds a Swedish EMI licence.

  • Cross-border reachMulti-market
  • Service scopeMulti-service
  • Reader rating3.9
Active
VerifiedFCA 985867569

Strex Payment AS

EMI · Norway

Verified active. STREX PAYMENT AS holds licence reference 985867569 with the Financial Supervisory Authority of Norway.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 900461

Stripe Payments UK Limited

EMI · United Kingdom

Verified active. Stripe Payments UK Limited holds a current UK e money licence. Authorised to safeguard customer funds, distribute and redeem electronic money, and issue electronic money under FCA supervision.

  • Cross-border reachDomestic
  • Service scopeSpecialist
  • Reader rating4.1
Active
VerifiedFCA C187865

Stripe

EMI · Ireland

Verified active. Stripe Technology Europe, Limited, trading as Stripe, holds a current EMI licence from the Central Bank of Ireland, reference C187865.

  • Cross-border reachPan-European
  • Service scopeFull-service
  • Reader rating4.7
Active
VerifiedFCA LB001900

SumUp EU Payments UAB

EMI · Lithuania

Verified active. SumUp EU Payments UAB holds a current Lithuanian e-money licence (LB001900) issued by the Bank of Lithuania.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating4.0
Active
VerifiedFCA C195030

SumUp

EMI · Ireland

Verified active. SumUp Limited holds a current Irish e-money licence (reference C195030) authorised by the Central Bank of Ireland.

  • Cross-border reachMulti-market
  • Service scopeSpecialist
  • Reader rating4.0
Active
VerifiedFCA 900700

SumUp Payments Limited

EMI · United Kingdom

Verified active. SumUp Payments Limited holds a current UK e-money licence, reference 900700, granted 1 May 2018 by the FCA.

  • Cross-border reachDomestic
  • Service scopeSpecialist
  • Reader rating2.8
Active
VerifiedFCA 900942

Sunrate Partners UK Limited

EMI · United Kingdom

Verified active: Sunrate Partners UK Limited holds a current UK e-money licence, authorising distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 115.1.3.26

Sureswipe E.M.I. PLC (Tradename: Revsto)

EMI · Cyprus

Verified active. Sureswipe E.M.I. PLC (Tradename: Revsto) holds a current Cypriot electronic money institution licence issued by the Central Bank of Cyprus.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating4.6
Active
VerifiedFCA 853827103

Swan

EMI · France

Verified active. SWAN holds licence reference 853827103 issued by the Autorite de Controle Prudentiel et de Resolution in France.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating4.0
Active
VerifiedFCA 900662

Swift Payment Technologies Limited

EMI · United Kingdom

Verified active. Swift Payment Technologies Limited holds a current UK e-money licence (ref 900662) issued by the FCA.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 898001672

Swile Payment

EMI · France

Verified active. SWILE PAYMENT has a current e-money licence, cross-checked against the Autorité de Contrôle Prudentiel et de Résolution register.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 111248

Swiss Bankers Prepaid Services AG

EMI · Liechtenstein

Verified active. Swiss Bankers Prepaid Services AG holds a Liechtenstein e-money licence, reference 111248, granted 12 December 2012 by the LFM Authority.

  • Cross-border reachRegional
  • Service scopeMulti-service
  • Reader rating5.0
Active
VerifiedFCA 932543

Syncom (UK) Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register. Syncom (UK) Limited holds current authorisation under licence reference 932543, issued 18 February 2021.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA C51532

SYSPAY Limited

EMI · Malta

Verified active. SYSPAY Limited holds a current licence from the Malta Financial Services Authority, reference C51532.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating4.0
Active
VerifiedFCA 901057

System Pay Services Ltd

EMI · United Kingdom

Verified active. SYSTEM PAY SERVICES LTD, based in the United Kingdom, has a current Financial Conduct Authority licence (901057).

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA C66961

System Pay Services (Malta) Limited

EMI · Malta

Verified active. System Pay Services (Malta) Limited holds a current Maltese e-money licence, reference C66961.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating4.6
Active
VerifiedFCA 59248

Talkremit AB

EMI · Sweden

Verified active. Talkremit AB holds a current Swedish e-money licence, reference 59248, granted 23 July 2021.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating4.2
Active
VerifiedFCA 900825

TalkRemit Ltd

EMI · United Kingdom

Verified active. TalkRemit Ltd holds a current licence from the Financial Conduct Authority under reference 900825.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 300345

Tantum AG

EMI · Liechtenstein

Verified active. Tantum AG holds a current Liechtenstein e-money licence (reference 300345) as recorded in the Liechtenstein Financial Market Authority register.

  • Cross-border reachMulti-market
  • Service scopeSpecialist
  • Reader rating3.7
Active
VerifiedFCA 900842

Taptap Send UK Limited

EMI · United Kingdom

Verified active. Taptap Send UK Limited holds a current UK electronic money licence, authorised by the Financial Conduct Authority.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 901004

Teapayment Ltd

EMI · United Kingdom

Verified active. TEAPAYMENT LTD holds a current UK e-money licence issued by the Financial Conduct Authority.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 800995166

COSMOTE PAYMENTS / Telekom Payments / T Payments

EMI · Greece

Verified active. TELEKOM PAYMENTS - ELECTRONIC MONEY SERVICES SINGLE MEMBER S.A. holds a current Bank of Greece licence (800995166).

  • Cross-border reachRegional
  • Service scopeFull-service
  • Reader rating4.5
Active
VerifiedFCA 5014018000

Telekom Slovenije, d. d.

EMI · Slovenia

Verified active. Telekom Slovenije, d. d. holds a current Slovenian electronic money licence, authorised by the Bank of Slovenia under reference 5014018000.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 14070851002

Telepass Pay S.P.A.

EMI · Italy

Verified active. TELEPASS PAY S.P.A. holds a current Italian e-money licence granted by Banca d'Italia.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 09771701001

Telepass S.P.A.

EMI · Italy

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

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 1024627

Telleroo Limited

EMI · United Kingdom

Verified active. Telleroo Limited holds a current UK e-money licence issued by the Financial Conduct Authority.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 1030641

Tenora Financial Solutions Limited

EMI · United Kingdom

Verified active. TENORA FINANCIAL SOLUTIONS LIMITED holds a UK Financial Conduct Authority EMI licence (reference 1030641).

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 252199

TenX Payments Europe AG

EMI · Liechtenstein

Verified active. TenX Payments Europe AG holds a current Liechtenstein e-money licence (reference 252199).

  • 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.