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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

830 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All Active Defunct Withdrawn Inactive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 1004915

APRON PAYMENTS LTD

EMI · United Kingdom

Verified active as at the most recent FCA register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 160094

APS AVIA Payment Service GmbH

EMI · Germany

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900002

APS Financial Ltd

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R182875

Argentex B.V.

EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA 900671

Argentex LLP

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 953678

ASOS Payments UK Limited

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 931876

Authpay Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA LB002102

AWX Lithuania, UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900220

Azimo Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 151429

B2Mobility GmbH

EMI · Germany

Verified active.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA C103978

BALLINGER EU LIMITED

EMI · Malta

Verified active as at last register cross-check.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 900900

BANKORO LTD

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 25353192

Barion Payment Zrt.

EMI · Hungary

Licence confirmed against the Magyar Nemzeti Bank register.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating3.3

Active

VerifiedFCA 900985

BASTION FINGROUP LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 910768266

BCB Payments (Europe)

EMI · France

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 937539

BeAccount Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001973

Bebawa, UAB

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA LB002125

BEM Europe

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 941723

BEPI LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900637

Bilderlings Pay Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 27917727

BinX Business Integrated NetworX Zártkörűen Működő Részvénytársaság

EMI · Hungary

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 6712

BIP & DRIVE E.D.E, S.A.

EMI · Spain

Verified active against the Banco de Espana register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 501412x

Bitpanda Payments GmbH

EMI · Austria

Verified active.

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

Active

VerifiedFCA 900023

Blackhawk Network (UK) Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902082

Blakeney Ventures Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 6717

BNEXT ELECTRONIC ISSUER, E.D.E., SOCIEDAD LIMITADA

EMI · Spain

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.9

Active

VerifiedFCA 115.1.3.48

BNKPRO EUROPE LTD

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 900870

BNKPro Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900030

Boku Account Services UK Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 955601

Bondsmith Savings Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C447372

Booking Holdings Financial Services International Limited

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 941639

BOOKING HOLDINGS FINANCIAL SERVICES UK LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 1036025

BOUND RATES LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1033250

BOURN TECHNOLOGIES LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C 106323

BP23 PAY Ltd

EMI · Malta

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900901

Brazauk Ltd

EMI · United Kingdom

Verified active against the Financial Conduct Authority register.

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.