VerifiedFCA 931876
Authpay Ltd
EMI · United Kingdom
Verified active. Authpay Ltd holds a current licence issued by the Financial Conduct Authority under reference 931876.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
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 LB002102
AWX Lithuania, UAB
EMI · Lithuania
Verified active. AWX Lithuania, UAB holds a current Lithuanian e-money licence under reference LB002102 issued by the Bank of Lithuania on 6 October 2021.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 900220
Azimo Ltd
EMI · United Kingdom
Verified active. Azimo Ltd holds a current UK e-money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 151429
B2Mobility GmbH
EMI · Germany
Verified active. B2Mobility GmbH is a German electronic money institution authorised by the Bundesanstalt fur Finanzdienstleistungsaufsicht.
- Cross-border reachMulti-market
- Service scopeFull-service
- Reader rating4.1
Active
VerifiedFCA C103978
Ballinger EU Limited
EMI · Malta
Verified active. BALLINGER EU LIMITED holds a current licence from the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeMulti-service
Active
VerifiedFCA 900900
Bankoro Ltd
EMI · United Kingdom
Verified active. BANKORO LTD holds a current UK electronic money licence (Ref: 900900) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Active
VerifiedFCA 25353192
Barion Payment Zrt.
EMI · Hungary
Verified active. Barion Payment Zrt. holds a Hungarian e-money licence. The licence authorises issuance of electronic money and safeguarding of customer funds.
- Cross-border reachMulti-market
- Service scopeSpecialist
- Reader rating3.3
Active
VerifiedFCA 900985
Bastion Fingroup Limited
EMI · United Kingdom
Verified active. BASTION FINGROUP LIMITED holds a current UK electronic money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 910768266
BCB Payments (Europe)
EMI · France
Verified active. BCB Payments (Europe) holds a current French e-money licence issued by the Autorite de Controle Prudentiel et de Resolution.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 937539
BeAccount Ltd
EMI · United Kingdom
Verified active. BeAccount Ltd holds a current UK electronic money licence issued by the Financial Conduct Authority, reference 937539.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB001973
Bebawa, UAB
EMI · Lithuania
Verified active. Bebawa, UAB holds a current Lithuanian e-money licence. It is authorised to issue payment instruments and acquire payment transactions, issue electronic money, execute payment transactions on payment accounts, and safeguard customer funds.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA LB002125
BEM Europe
EMI · Lithuania
Verified active. BENKER UAB holds a Lithuanian e-money licence. The licence authorises issuance of electronic money, safeguarding of customer funds.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 941723
Bepi Ltd
EMI · United Kingdom
Verified active. BEPI Ltd holds a current UK e-money licence issued by the Financial Conduct Authority on 13 December 2021.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900637
Bilderlings Pay Limited
EMI · United Kingdom
Verified active. Bilderlings Pay Limited holds a current United Kingdom e-money licence, authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 27917727
Verified active. BinX Business Integrated NetworX Zártkörűen Működő Részvénytársaság holds licence 27917727 from Magyar Nemzeti Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 6712
Bip & Drive E.D.E, S.A.
EMI · Spain
Verified active. BIP & DRIVE E.D.E, S.A. holds a current Spanish electronic money licence.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 501412x
Bitpanda Payments GmbH
EMI · Austria
Verified active. Bitpanda Payments GmbH holds an Austrian e-money licence (reference 501412x) granted on 22 February 2022.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA 6717
Verified active. BNEXT ELECTRONIC ISSUER, E.D.E., SOCIEDAD LIMITADA holds a current Spanish e-money licence.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating2.9
Active
VerifiedFCA 115.1.3.48
Bnkpro Europe Ltd
EMI · Cyprus
Verified active. BNKPRO EUROPE LTD is authorised by the Central Bank of Cyprus under licence reference 115.1.3.48, granted 17 February 2022.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA 900870
BNKPro Ltd
EMI · United Kingdom
Verified active against the FCA Financial Services Register. BNKPro Ltd holds current authorisation under licence reference 900870, granted 6 January 2019.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900030
Boku Account Services UK Ltd
EMI · United Kingdom
Verified active. Boku Account Services UK Ltd holds a UK e-money licence under FCA reference 900030.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 955601
Bondsmith Savings Ltd
EMI · United Kingdom
Verified active. Bondsmith Savings Ltd holds a current UK electronic money institution licence, reference 955601.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA C447372
Verified active. Booking Holdings Financial Services International Limited holds a current Irish e-money licence.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.4
Active
VerifiedFCA 941639
Booking Holdings Financial Services UK Limited
EMI · United Kingdom
Verified active. BOOKING HOLDINGS FINANCIAL SERVICES UK LIMITED holds a current United Kingdom e-money licence under reference 941639, granted 30 May 2022.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Active
VerifiedFCA 1036025
Bound Rates Limited
EMI · United Kingdom
Verified active. BOUND RATES LIMITED holds a current UK e-money licence. The Financial Conduct Authority authorised the company to issue electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 1033250
Bourn Technologies Ltd
EMI · United Kingdom
Verified active. BOURN TECHNOLOGIES LTD holds a current UK electronic money licence issued by the FCA under reference 1033250.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA C 106323
BP23 PAY Ltd
EMI · Malta
Verified active. BP23 PAY Ltd holds a current Malta Financial Services Authority e-money licence, reference C 106323, granted 3 April 2024.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900901
Brazauk Ltd
EMI · United Kingdom
Verified active. Brazauk Ltd holds a current UK e-money licence under FCA reference 900901.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA W00000024
Bridge Building S.A.
EMI · Luxembourg
Verified active. Bridge Building S.A. holds a current Luxembourg e-money licence issued by the Commission de Surveillance du Secteur Financier on 29 June 2026.
- Cross-border reachPan-European
- Service scopeSpecialist
Active
VerifiedFCA 1033237
Brite Payments Limited
EMI · United Kingdom
Verified active. Brite Payments Limited holds a current licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 980932753
Buypass Payment AS
EMI · Norway
Verified active. Buypass Payment AS is listed as an electronic money institution by the Financial Supervisory Authority of Norway under licence reference 980932753.
- Cross-border reachDomestic
- Service scopeFull-service
Active
VerifiedFCA 0400282277
Buy Way Personal Finance
EMI · Belgium
Verified active. Buy Way Personal Finance holds a current Belgian e-money licence granted on 7 May 2013.
- Cross-border reachRegional
- Service scopeFull-service
- Reader rating4.8
Active
VerifiedFCA 636179h
Bybit Payments GmbH
EMI · Austria
Verified active against the Austrian Financial Market Authority register. Bybit Payments GmbH holds licence 636179h and operates under current Austrian e-money authorisation.
- Cross-border reachPan-European
- Service scopeMulti-service
Active
VerifiedFCA C 91485
C2D Payment Solutions Ltd
EMI · Malta
Verified active. C2D PAYMENT SOLUTIONS LTD is authorised by the Malta Financial Services Authority under licence reference C 91485.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.2
Active
VerifiedFCA C 102288
Calida Financial Ltd
EMI · Malta
Verified active. Calida Financial Ltd holds a current Maltese e-money licence (reference C 102288) that authorises safeguarding of customer funds.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 900702
Cambridge Mercantile Corp. (UK) Limited
EMI · United Kingdom
Verified active. Cambridge Mercantile Corp. (UK) Limited holds a current UK e-money licence, as cross checked against the FCA 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.