VerifiedFCA LB000457
UAB Zen.Com
EMI · Lithuania
Verified active. UAB ZEN.COM holds a current Lithuanian e-money licence granted on 24 May 2018.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
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 R139472
Uber Payments B.V.
EMI · Netherlands
Verified active. Uber Payments B.V. holds a current Dutch e-money licence R139472 from De Nederlandsche Bank, granted 4 April 2019.
- Cross-border reachMulti-market
- Service scopeMulti-service
- Reader rating3.0
Active
VerifiedFCA 959722
Uber Payments UK Limited
EMI · United Kingdom
Verified active. Uber Payments UK Limited holds a current electronic money licence issued by the Financial Conduct Authority on 20 December 2022.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 901002
UK First Fintech Limited
EMI · United Kingdom
Verified active. UK First Fintech Limited has a current UK e-money licence. The licence authorises distribution and redemption of electronic money, safeguarding of customer funds, and issuance of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 902028
UKForex Limited
EMI · United Kingdom
Verified active. UKForex Limited holds a current UK e-money licence (ref 902028) issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 901082
UKFX Holdings Ltd
EMI · United Kingdom
Verified active. UKFX Holdings Ltd holds a current UK e - money licence issued by the Financial Conduct Authority, authorising distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating1.0
Active
VerifiedFCA C74150
Uniongoldenpay Ltd
EMI · Malta
Verified active. UNIONGOLDENPAY LTD holds a current licence as an electronic money institution (C74150) from the Malta Financial Services Authority, granted 10 November 2017.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 03961561200
Unipolpay S.P.A.
EMI · Italy
Verified active. UNIPOLPAY S.P.A. holds a current Italian e-money licence under reference 03961561200 issued by Banca d'Italia.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 938000
Unison Global Markets (UGM) Ltd
EMI · United Kingdom
Verified active. Unison Global Markets (UGM) Ltd. holds an electronic money institution licence from the Financial Conduct Authority, reference 938000, granted 22 December 2021.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 7500
Universo, IME, S.A.
EMI · Portugal
Verified active. Universo, IME, S.A. holds a current Portuguese e money licence (reference 7500) issued by Banco de Portugal on 16 July 2015.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 115.1.3.7
Unlimit
EMI · Cyprus
Verified active. UNLIMIT EU LTD holds a current electronic money licence under reference 115.1.3.7 from the Central Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA 978706
Unlimit UK Ltd
EMI · United Kingdom
Verified active. UNLIMIT UK LTD holds a current UK electronic money licence from the Financial Conduct Authority (reference 978706).
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 6719
Unnax Reg Services Ede SL
EMI · Spain
Verified active. Licence 6719 from Banco de Espana authorises the entity, the entity's authorisation continues.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 6709
UP Aganea Ede, S.A.
EMI · Spain
Verified active. UP AGANEA EDE, S.A. holds a current Spanish electronic money licence (type EMI) issued by Banco de Espana.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 642044366
UP Coop
EMI · France
Verified active in France, where UP COOP holds licence 642044366 issued by the Autorite de Controle Prudentiel et de Resolution.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 951300169
UP Paiement
EMI · France
Verified active. UP PAIEMENT holds a French electronic money licence. The regulator listed is Autorite de Controle Prudentiel et de Resolution.
- Cross-border reachRegional
- Service scopeMulti-service
Active
VerifiedFCA C54426
Valletta Credit Finance Corporation Ltd.
EMI · Malta
Verified active. Valletta Credit Finance Corporation Ltd. is a Maltese electronic money institution under the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.1
Active
VerifiedFCA LB000454
Valyuz, UAB
EMI · Lithuania
Verified active. Valyuz, UAB holds a current Lithuanian e-money licence granted on 29 March 2018 by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA LB000446
Verified Payments, UAB
EMI · Lithuania
Verified active. Verified Payments UAB holds a current Lithuanian e-money licence LB000446 issued by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.6
Active
VerifiedFCA 901073
VertoFX Ltd
EMI · United Kingdom
Verified active. VertoFX Ltd holds a current United Kingdom e-money licence granted 11 March 2024, reference 901073, authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.0
Active
VerifiedFCA 900530
VFX Financial PLC
EMI · United Kingdom
Verified active. VFX Financial PLC holds a current UK electronic money licence (LICENCE REF 900530).
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.0
Active
VerifiedFCA 1037693
Vinted Pay Limited
EMI · United Kingdom
Verified active, cross-checked against the FCA register. VINTED PAY LIMITED holds a current UK electronic money licence under the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB002214
Vinted Pay, UAB
EMI · Lithuania
Verified active. Vinted Pay, UAB holds a Bank of Lithuania electronic money licence. The licence authorises issuance of electronic money, safeguarding of customer funds, issuing payment instruments and acquiring payment transactions.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA 900893
Viola Money (Europe) Limited
EMI · United Kingdom
Verified active. Viola Money (Europe) Limited holds a FCA licence, cross checked against the FCA Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 918713867
Vipps Mobilepay AS
EMI · Norway
Verified active. Vipps Mobilepay AS holds a current Norwegian e-money licence, reference 918713867.
- Cross-border reachRegional
- Service scopeFull-service
- Reader rating5.0
Active
VerifiedFCA 900646
Vitesse PSP Limited
EMI · United Kingdom
Verified active. Vitesse PSP Limited holds a current UK e-money licence (reference 900646) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.0
Active
VerifiedFCA 27919750
Viva Payment Services S.A. Magyarországi Fióktelepe
EMI · Hungary
Verified active. Viva Payment Services S.A. Magyarországi Fióktelepe holds a Hungarian e-money licence, reference 27919750, granted 3 August 2020 by the Magyar Nemzeti Bank.
- Cross-border reachDomestic
- Service scopeFull-service
Active
VerifiedFCA 989273
Viva Wallet.Com Ltd
EMI · United Kingdom
Verified active. VIVA WALLET.COM LTD holds an EMI licence granted by the UK Financial Conduct Authority, reference 989273.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA W00000015
Vivid Money S.A.
EMI · Luxembourg
Verified active. VIVID MONEY S.A. holds a current Luxembourg electronic-money licence, cross-checked against the Commission de Surveillance du Secteur Financier register.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.8
Active
VerifiedFCA 982594
Volt Technologies Limited
EMI · United Kingdom
Verified active. Volt Technologies Limited holds a current UK electronic money licence under the FCA with reference 982594.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 124190
VR Payment GmbH
EMI · Germany
Verified active. VR Payment GmbH holds a electronic money licence, type EMI, issued by the Bundesanstalt fur Finanzdienstleistungsaufsicht, reference 124190.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.2
Active
VerifiedFCA 932839
W1TTY Global Ltd
EMI · United Kingdom
Verified active. W1TTY Global Ltd holds a current UK e-money licence granted by the Financial Conduct Authority under reference 932839.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 05021910
W.A.G. Issuing Services, a.s.
EMI · Czech Republic
Verified active. W.A.G. Issuing Services, a.s. holds a Czech National Bank electronic money institution licence.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.8
Active
VerifiedFCA W00000007
Wallee Europe S.A.
EMI · Luxembourg
Verified active. Wallee Europe S.A. holds a licence issued 23 August 2016 under reference W00000007 by Commission de Surveillance du Secteur Financier.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.9
Active
VerifiedFCA 1040163
Wallester UK Limited
EMI · United Kingdom
Verified active. Wallester UK Limited holds a current Financial Conduct Authority e-money licence (reference 1040163).
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB000450
Wallter UAB
EMI · Lithuania
Verified active, as confirmed by the latest cross - check of the Bank of Lithuania register.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
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.