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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

692 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All Active Defunct Withdrawn Inactive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 938000

Unison Global Markets (UGM) Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 7500

Universo, IME, S.A.

EMI · Portugal

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.7

UNLIMIT

EMI · Cyprus

Verified active as at the last register cross-check.

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

Active

VerifiedFCA 978706

UNLIMIT UK LTD

EMI · United Kingdom

Verified active against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 6719

UNNAX REG SERVICES EDE SL

EMI · Spain

Verified active against the Banco de Espana register.

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

Active

VerifiedFCA 6709

UP AGANEA EDE, S.A.

EMI · Spain

Licence confirmed against Banco de Espana's EMI register.

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

Active

VerifiedFCA 642044366

UP COOP

EMI · France

Verified active as at the last ACPR cross-check.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 951300169

UP PAIEMENT

EMI · France

Verified active.

Cross-border reachRegional
Service scopeMulti-service

Active

VerifiedFCA C54426

Valletta Credit Finance Corporation Ltd.

EMI · Malta

Verified active.

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

Active

VerifiedFCA LB000454

Valyuz, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000446

Verified Payments, UAB

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.6

Active

VerifiedFCA 901073

VertoFX Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 900530

VFX Financial PLC

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 1037693

VINTED PAY LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002214

Vinted Pay, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 900893

Viola Money (Europe) Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 918713867

Vipps Mobilepay AS

EMI · Norway

Verified active.

Cross-border reachRegional
Service scopeFull-service
Reader rating5.0

Active

VerifiedFCA 900646

Vitesse PSP Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 27919750

Viva Payment Services S.A. Magyarországi Fióktelepe

EMI · Hungary

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 989273

VIVA WALLET.COM LTD

EMI · United Kingdom

Verified active as at the last cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000015

VIVID MONEY S.A.

EMI · Luxembourg

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.8

Active

VerifiedFCA 982594

Volt Technologies Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 124190

VR Payment GmbH

EMI · Germany

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA 932839

W1TTY Global Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 05021910

W.A.G. Issuing Services, a.s.

EMI · Czech Republic

Licence confirmed against the Czech National Bank register.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA W00000007

Wallee Europe S.A.

EMI · Luxembourg

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA 1040163

WALLESTER UK LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000450

Wallter UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 33680559

Wamo Solutions Oy

EMI · Finland

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.7

Active

VerifiedFCA 450932710

WARI PAY

EMI · France

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 935764

WEAVEPAY LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C 98895

Weavr (Europe) Ltd

EMI · Malta

Verified active as of the last cross-check against the Malta Financial Services Authority register.

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

Active

VerifiedFCA 901083

WECOLLECT (LONDON) LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.3

WEEZZO LTD ( formely OKPAY CY LTD )

EMI · Cyprus

Licence revoked as of 5 August 2020.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.8

Active

VerifiedFCA R142613

WEX Europe (Netherlands) B.V.

EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 433506433

W-HA

EMI · France

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.5

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.