VerifiedFCA 900810
WireBloom LTD
EMI · United Kingdom
Verified active. WireBloom LTD holds a UK e-money licence issued by the FCA on 11 May 2018.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating1.0
Active
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.
VerifiedFCA 900051
Wirecard Card Solutions Limited
EMI · United Kingdom
Verified defunct. Wirecard Card Solutions Limited, a United Kingdom entity, was authorised as an electronic money institution by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 902025
Wirex Limited
EMI · United Kingdom
Verified active. Wirex Limited holds a current UK e-money licence in the United Kingdom. The Financial Conduct Authority, as the regulator, confirmed the active EMI status.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900507
Wise Payments Limited
EMI · United Kingdom
Verified active. Wise Payments Limited holds a current UK e-money licence, reference 900507, authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.8
Active
VerifiedFCA 901029
Wittix, UAB
EMI · United Kingdom
Verified defunct. Wittix, UAB held a United Kingdom e-money licence, reference 901029. The licence authorised distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA LB001873
Wittix, UAB
EMI · Lithuania
Verified active. Wittix UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania (reference LB001873).
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.5
Active
VerifiedFCA LB002046
Witty Global UAB
EMI · Lithuania
Verified active. Witty Global UAB holds a current Lithuanian e-money licence from the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating2.7
Active
VerifiedFCA 31720705
Wolt License Services Oy
EMI · Finland
Verified active. Wolt License Services Oy holds a Finnish e-money licence under reference 31720705.
- Cross-border reachMulti-market
- Service scopeFull-service
- Reader rating4.0
Active
VerifiedFCA R161090
Verified active. World First Netherlands B.V. holds a current Dutch e-money licence, granted by De Nederlandsche Bank on 16 April 2020.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 900508
World First UK Limited
EMI · United Kingdom
Verified active. World First UK Limited holds a current United Kingdom e-money licence granted by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 0886476763
Worldline Financial Solutions NV SA
EMI · Belgium
Verified active. Worldline Financial Solutions NV SA holds a current Belgian e-money licence.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.6
Active
VerifiedFCA 900113
Worldline Financial Solutions NV/SA
EMI · United Kingdom
Verified defunct. Worldline Financial Solutions NV/SA was an electronic money institution in the United Kingdom.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 1031413
Worldpay (UK) Limited
EMI · United Kingdom
Verified active: WORLDPAY (UK) LIMITED holds a current UK e-money licence (FMF-1031413) under the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900891
WorldRemit Ltd
EMI · United Kingdom
Verified active. WorldRemit Ltd is a UK-based electronic money institution authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900536
WTUK Limited
EMI · United Kingdom
Verified active. WTUK Limited holds a current e-money licence from the FCA. The licence authorises safeguarding of customer funds, distribution and redemption of electronic money, and the issuance of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Active
VerifiedFCA 927212
Xchange Finance Limited
EMI · United Kingdom
Verified active. Xchange Finance Limited operates under the UK Financial Conduct Authority licence reference 927212.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 901021
xpate ltd
EMI · United Kingdom
Verified active. xpate ltd holds a current UK e-money licence 901021 issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 501586341
Xpollens
EMI · France
Verified active. XPOLLENS holds a French e-money licence (reference 501586341) authorised by the Autorité de Contrôle Prudentiel et de Résolution.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.8
Active
VerifiedFCA 115.1.3.17
Verified active. XRYMA PLC holds a current Cypriot e-money licence (115.1.3.17) granted 9 July 2018.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.1
Active
VerifiedFCA R194054
XTransfer B.V.
EMI · Netherlands
Verified active. XTransfer B.V. holds a Dutch e-money licence R194054 issued by De Nederlandsche Bank.
- Cross-border reachPan-European
- Service scopeMulti-service
Active
VerifiedFCA R187462
XXImo Financial Services B.V.
EMI · Netherlands
Verified active. XXImo Financial Services B.V. holds a Dutch EMIs licence from De Nederlandsche Bank, reference R187462.
- Cross-border reachMulti-market
- Service scopeMulti-service
- Reader rating4.5
Active
VerifiedFCA 900431
YouPass Payments Europe Limited
EMI · United Kingdom
Verified against the FCA Financial Services Register. YouPass Payments Europe Limited holds licence reference 900431 as a UK-authorised electronic money institution.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Defunct
VerifiedFCA F0025
Verified active. Yoursafe B.V. holds a current Dutch e-money licence. It authorises cash withdrawal and cash deposit services on payment accounts.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.3
Active
VerifiedFCA 149040
Zalando Payments GmbH
EMI · Germany
Verified active. Zalando Payments GmbH holds a current German electronic money licence from the Bundesanstalt fur Finanzdienstleistungsaufsicht, cross-checked against the register.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating3.8
Active
VerifiedFCA R194916
Zebedee Europe B.V.
EMI · Netherlands
Verified active. ZEBEDEE EUROPE B.V. holds a current Dutch e-money licence (R194916) from De Nederlandsche Bank.
- Cross-border reachPan-European
- Service scopeSpecialist
Active
VerifiedFCA 1029940
Zeller UK Limited
EMI · United Kingdom
Verified active. Zeller UK Limited holds a current licence from the Financial Conduct Authority under reference 1029940, granted 23 December 2025.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 1000019
Zen-Uk Limited
EMI · United Kingdom
Verified active. ZEN-UK LIMITED holds a current UK electronic money licence from the Financial Conduct Authority, reference 1000019.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R193684
zerohash europe
EMI · Netherlands
Verified active. Zerohash europe B.V. holds a current Dutch e-money licence.
- Cross-border reachPan-European
- Service scopeMulti-service
Active
VerifiedFCA 31477514
Zevoy Aktiebolag
EMI · Finland
Verified active. Zevoy Aktiebolag holds licence reference 31477514 granted on 5 October 2021 by the Finnish Financial Supervisory Authority.
- Cross-border reachMulti-market
- Service scopeMulti-service
- Reader rating4.2
Active
VerifiedFCA 41950080
Ziglu Europe ApS
EMI · Denmark
Verified active. Ziglu Europe ApS holds a Danish e-money licence, authorising issuance of electronic money and safeguarding of customer funds.
- Cross-border reachMulti-market
- Service scopeSpecialist
- Reader rating3.8
Active
VerifiedFCA 900977
Ziglu Limited
EMI · United Kingdom
Verified active. Ziglu Limited holds a current UK e-money licence (ref 900977) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 115.1.3.38
Zipp Europe Limited
EMI · Cyprus
Verified active. Zipp Europe Limited holds a Cyprus electronic money institution licence, reference 115.1.3.38.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 115.1.3.59
Verified active. ZOLVAT LTD, formerly Azzure Solutions (CY) Ltd, holds a Cyprus e-money licence granted 14 June 2024.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.1
Active
VerifiedFCA 943375
Zota Technologies (UK) Limited
EMI · United Kingdom
Verified active. Zota Technologies (UK) Limited holds a current UK e-money licence 943375 issued by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 175325806
Айкарт АД (предишно наименование Интеркарт Файнанс АД)
EMI · Bulgaria
Verified active. Айкарт АД holds a Bulgarian e-money licence granted 21 July 2011 under licence reference 175325806.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.2
Active
VerifiedFCA 205968825
Еконт Финансови Услуги ООД
EMI · Bulgaria
Verified active for Еконт Финансови Услуги ООД as of the last cross-check. Еконт Финансови Услуги ООД holds a Bulgarian e-money licence, reference 205968825, granted 10 June 2021 by the Bulgarian National Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
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.