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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

839 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All Active Defunct Withdrawn Inactive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 LB000477

UAB "Phoenix Payments"

EMI · Lithuania

Verified active. UAB 'PHOENIX PAYMENTS' holds licence LB000477 granted by the Bank of Lithuania on 20 November 2018.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA LB000464

UAB „Pyrros Lithuania“

EMI · Lithuania

Verified active. UAB "Pyrros Lithuania" holds an e-money licence, reference LB000464, issued by the Bank of Lithuania on 25 July 2018.

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

Active

VerifiedFCA LB000491

UAB "Rebellion Fintech Services"

EMI · Lithuania

Verified active. UAB "Rebellion Fintech Services" holds a current Lithuanian e-money licence.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900868

UAB SatchelPay

EMI · United Kingdom

Verified defunct. UAB SatchelPay held a UK EMI licence (900868) authorised safeguarding of customer funds, distribution and redemption of electronic money, and issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000448

UAB SatchelPay

EMI · Lithuania

Verified active. UAB SatchelPay holds a Lithuanian e-money licence, reference LB000448, granted 6 March 2018.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.6

Active

VerifiedFCA LB001940

UAB "Settek"

EMI · Lithuania

Verified active. UAB "Settek" holds a current Lithuanian e-money licence (LB001940) as recorded in the Bank of Lithuania register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000437

UAB "Seven Seas Europe"

EMI · Lithuania

Verified active. UAB 'Seven Seas Europe' holds a current Lithuanian e-money licence. The licence authorises execution of payment transactions on a payment account.

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

Active

VerifiedFCA LB001875

UAB „Silvergate LT“

EMI · Lithuania

Verified active. UAB „Silvergate LT" has a current Lithuanian electronic money licence LB001875, issued by the Bank of Lithuania on 30 May 2019.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.5

Active

VerifiedFCA LB000500

UAB „SONECT Europe“

EMI · Lithuania

Verified active. UAB „SONECT Europe" holds a Lithuanian e-money licence from the Bank of Lithuania.

Cross-border reachPan-European
Service scopeFull-service
Reader rating2.6

Active

VerifiedFCA 901040

UAB SONECT Europe

EMI · United Kingdom

Verified inactive. UAB SONECT Europe holds a UK FCA licence reference 901040. It is authorised for distribution and redemption of electronic money, safeguarding customer funds, and issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB001935

UAB "Speedyteller"

EMI · Lithuania

Verified active. UAB Speedyteller holds a Lithuanian e-money licence issued by the Bank of Lithuania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002039

UAB Stanhope Financial

EMI · Lithuania

Verified active. UAB STANHOPE FINANCIAL holds a current Lithuanian electronic money licence.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000463

UAB TeslaPay

EMI · Lithuania

Verified active. UAB TeslaPay holds a current Lithuanian e-money licence. The Bank of Lithuania authorises execution of payment transactions on a payment account.

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

Active

VerifiedFCA 900927

UAB TeslaPay

EMI · United Kingdom

Verified against the FCA Financial Services Register. UAB TeslaPay holds licence reference 900927 as an electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000461

UAB "TransferGo Lithuania"

EMI · Lithuania

Verified active. UAB TransferGo Lithuania holds a current Lithuanian e-money licence (LB000461) authorised by the Bank of Lithuania, cross-checked against the register.

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

Active

VerifiedFCA LB001966

UAB Travel Union

EMI · Lithuania

Verified active. UAB Travel Union holds a current Lithuanian e-money licence issued by the Bank of Lithuania.

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

Active

VerifiedFCA LB000421

UAB "Vialet"

EMI · Lithuania

Verified active. UAB 'Vialet' holds a Lithuanian e-money licence from the Bank of Lithuania with reference LB000421.

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

Active

VerifiedFCA 900874

UAB "Walletto"

EMI · United Kingdom

Verified defunct: UAB 'Walletto' held a former EMI licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA LB000452

UAB „Walletto“

EMI · Lithuania

Verified active. UAB Walletto holds a Lithuanian e-money licence, reference LB000452, as recorded in the Bank of Lithuania register.

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

Active

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

VerifiedFCA 900889

UAB Zen.Com

EMI · United Kingdom

Verified against the Financial Conduct Authority register. UAB ZEN.COM held UK e-money authorisation under reference 900889.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 839904

Uber Payments B.V.

EMI · United Kingdom

Verified defunct. Uber Payments B.V. holds a UK electronic money licence under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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 900932

Unimoni Limited

EMI · United Kingdom

Status as at the last register cross-check: defunct. Unimoni Limited holds licence reference 900932, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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

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.