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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

839 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All Active Defunct Withdrawn Inactive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 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

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

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

SAAMIPAY LTD (Formerly named: HALEEL FINANCE LTD) - (License revoked on 09/07/2025)

EMI · Cyprus

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 902020

Safenet Trading Limited

EMI · United Kingdom

Verified defunct. Safenet Trading Limited held a United Kingdom EMI licence under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA 900180

Sage Payments (UK) Ltd.

EMI · United Kingdom

Verified defunct. Sage Payments (UK) Ltd. holds an FCA electronic money licence reference 900180.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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 900783

Sepaga E.M.I. Limited

EMI · United Kingdom

Verified defunct. Sepaga E.M.I. Limited held a licence from the Financial Conduct Authority under reference 900783.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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 900621

SEQR Payments AB

EMI · United Kingdom

Verified against the FCA Financial Services Register. SEQR Payments AB holds licence reference 900621 as a United Kingdom-based electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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

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.