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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

130 institutions · EMI · defunct

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All Active Defunct Withdrawn Inactive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 900205

Foreign Currency Exchange Limited

EMI · United Kingdom

Verified defunct. Foreign Currency Exchange Limited was authorised by the FCA under licence reference 900205.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900718

Gencer Software Limited

EMI · United Kingdom

Verified defunct. Gencer Software Limited appears in the FCA register as a United Kingdom electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900862

Globalnetint UAB

EMI · United Kingdom

Verified defunct. Globalnetint Uab held an EMI licence from the Financial Conduct Authority, reference number 900862.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901025

Greyfoxx Limited

EMI · United Kingdom

Verified defunct. Greyfoxx Limited, operating in the United Kingdom, was authorised by the Financial Conduct Authority under licence reference 901025.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900698

Hyperwallet Systems Europe Limited

EMI · United Kingdom

Verified defunct. Hyperwallet Systems Europe Limited, United Kingdom, is listed as a former EMI under the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900032

iCheque Network Ltd

EMI · United Kingdom

Status: defunct as at the last register cross - check. iCheque Network Ltd, UK, authorised by the FCA as an EMI.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900432

Imagor SA

EMI · United Kingdom

Verified defunct. Imagor SA holds a UK e-money licence (ref 900432) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900817

iMillion Limited

EMI · United Kingdom

Licence cross-checked against the FCA Financial Services Register. iMillion Limited holds UK e-money institution authorisation under reference 900817.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900945

Intergiro Intl AB (publ)

EMI · United Kingdom

Verified defunct officially. Intergiro Intl AB (publ) holds a defunct UK e-money licence under reference 900945 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900122

Ipagoo LLP

EMI · United Kingdom

Verified defunct status for IPAGOO LLP, a UK entity, as recorded today. The FCA granted this EMI licence to IPAGOO LLP in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900871

ISX Financial EU plc

EMI · United Kingdom

Verified defunct. ISX Financial EU plc holds a UK e-money licence (ref 900871). The licence authorises distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900106

iZettle AB

EMI · United Kingdom

Licence status confirmed against the FCA Financial Services Register. iZettle AB holds EMI authorisation under reference 900106, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900853

J.P. Morgan Mobility Payments Solutions S.A

EMI · United Kingdom

Licence reference 900853 is recorded as defunct. J.P. Morgan Mobility Payments Solutions S.A.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900934

Koine Money Ltd

EMI · United Kingdom

Verified defunct. Koine Money Ltd was a UK electronic money institution authorised by the Financial Conduct Authority under licence 900934.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901067

Koronapay Europe Ltd

EMI · United Kingdom

Verified defunct. KORONAPAY EUROPE LTD, a UK-based electronic money institution, holds licence reference 901067 with the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900911

LQID Limited

EMI · United Kingdom

Verified defunct. LQID Limited held an Electronic Money Institution licence from the Financial Conduct Authority, reference 900911.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900125

Mangopay S.A.

EMI · United Kingdom

Verified defunct. Mangopay S.A. held a UK electronic money institution licence (900125) authorised by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900554

Mercedes pay S.A

EMI · United Kingdom

Verified against the FCA Financial Services Register. Mercedes pay S.A. holds licence reference 900554 as a UK-authorised electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 959411

Meta Financial UK Limited

EMI · United Kingdom

Verified defunct. Meta Financial UK Limited was authorised by the Financial Conduct Authority under licence reference 959411, cross-checked against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900188

Monese Ltd

EMI · United Kingdom

Verified defunct. Monese Ltd, a United Kingdom entity, was authorised by the Financial Conduct Authority as an electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901115

Moneycorp Technologies Limited

EMI · United Kingdom

Verified defunct. Moneycorp Technologies Limited held a former electronic money institution licence from the Financial Conduct Authority, licence reference 901115.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 930733

Moneycorp Technologies Limited

EMI · United Kingdom

Verified defunct. Moneycorp Technologies Limited was an electronic money institution authorised by the FCA under licence 930733.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900126

MPayMe (UK) Limited

EMI · United Kingdom

Verified defunct. MPayMe (UK) Limited held a UK e-money licence (900126) from the FCA. The licence covered safeguarding of customer funds, issuing electronic money, and distributing and redeeming electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 983835

MP Payments UK Limited

EMI · United Kingdom

Verified defunct. MP Payments UK Limited, a UK-registered entity, was authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900674

Nobel Financial Ltd

EMI · United Kingdom

Licence status: defunct as at the last FCA cross-check. Nobel Financial Ltd held authorisation from the Financial Conduct Authority under reference 900674 to conduct three core e-money activities.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901020

One Finance Britain Ltd

EMI · United Kingdom

Verified defunct. One Finance Britain Ltd was an electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900044

One Stop Money Manager Limited

EMI · United Kingdom

Verified defunct. One Stop Money Manager Limited held a UK Electronic Money Institution licence.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901066

Opal Transfer EU

EMI · United Kingdom

Verified defunct. Opal Transfer EU, as recorded in the UK register, held a former Electronic Money Institution licence.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Defunct

VerifiedFCA 901046

Openpayd Financial Services Malta Limite

EMI · United Kingdom

Verified defunct. Openpayd Financial Services Malta Limited was authorised in United Kingdom as an electronic money institution under licence 901046.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900931

Oro Pay Ltd

EMI · United Kingdom

Verified defunct. ORO PAY LTD holds a UK electronic money licence (900931) authorised by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 989454

Pagonxt Payments UK LTD.

EMI · United Kingdom

Verified defunct. PAGONXT PAYMENTS UK LTD was an Electronic Money Institution licensed by the Financial Conduct Authority under reference 989454.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902071

PAXEPT Payments Ltd

EMI · United Kingdom

Verified defunct. PAXEPT Payments Ltd holds licence 902071, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Defunct

VerifiedFCA 900860

Paymaster (1836) Limited

EMI · United Kingdom

Verified defunct. Paymaster (1836) Limited held a UK Electronic Money Institution licence with the Financial Conduct Authority, reference 900860.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900970

Paynovate SA

EMI · United Kingdom

Verified inactive. Paynovate SA, a United Kingdom-based entity, holds an EMI licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA 900801

Paynovus AD

EMI · United Kingdom

Verified defunct. PAYNOVUS AD held an electronic money institution licence granted in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900996

Payoneer Europe B.V.

EMI · United Kingdom

Verified defunct. Payoneer Europe B.V. held licence reference 900996, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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.