VerifiedFCA 900710
Digital Capital Ltd
EMI · United Kingdom
Verified active. Digital Capital Ltd holds a current UK e-money licence reference 900710 issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
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 8640084000
Verified active. DINARO družba za izdajo elektronskega denarja in plačilne storitve, d. o.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.2
Active
VerifiedFCA 900439
DiPocket Limited
EMI · United Kingdom
Verified active. DiPocket Limited is a UK-registered electronic money institution. The Financial Conduct Authority has granted it licence reference 900439.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB002009
DiPocket, UAB
EMI · Lithuania
Verified active. DiPocket UAB holds a current Lithuanian electronic money licence (LB002009) issued by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating3.9
Active
VerifiedFCA C77538
Dlocal Limited
EMI · Malta
Verified active. DLOCAL LIMITED holds a Malta e-money licence (C77538) granted by the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.8
Active
VerifiedFCA W00000011
Dock Financial S.A.
EMI · Luxembourg
Verified active. Dock Financial S.A. holds a current Luxembourg electronic money licence under reference W00000011, issued by the Commission de Surveillance du Secteur Financier on 27 March 2019.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.9
Active
VerifiedFCA 900982
Dock Financial S.A.
EMI · United Kingdom
Status as at the last register cross-check: defunct. Dock Financial S.A., a United Kingdom-registered entity, is an electronic money institution regulated by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 207682
DOCOMO Digital Payment Services AG
EMI · Liechtenstein
Verified active. DOCOMO Digital Payment Services AG holds a current Liechtenstein e-money licence registered with the Liechtenstein Financial Market Authority.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.0
Active
VerifiedFCA W00000020
dtcpay Luxembourg S.A.
EMI · Luxembourg
Verified active. dtcpay Luxembourg S.A. holds a current Luxembourg e-money licence from the Commission de Surveillance du Secteur Financier.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.4
Active
VerifiedFCA 901018
D T & T Corporation Limited
EMI · United Kingdom
Verified active. D T & T Corporation Limited holds an EMI licence from the FCA. The licence authorises distribution and redemption of electronic money, safeguarding of customer funds, and issuance of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Active
VerifiedFCA LB001960
E4F Money UAB
EMI · Lithuania
Verified active. E4F Money UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.6
Active
VerifiedFCA 900847
EBANX Limited
EMI · United Kingdom
Verified defunct. EBANX Limited held a UK Electronic Money Institution licence, authorised by the Financial Conduct Authority, reference 900847.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 1028611
eBay Commerce UK Ltd
EMI · United Kingdom
Verified active. eBay Commerce UK Ltd holds an electronic money institution licence from the Financial Conduct Authority, reference 1028611, as recorded in the register.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900797
Ebury Partners UK Limited
EMI · United Kingdom
Verified active. Ebury Partners UK Limited holds a UK e-money licence reference 900797 granted by the FCA on 15 June 2018.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.8
Active
VerifiedFCA 900884
EcommBX Limited
EMI · United Kingdom
Licence status: defunct. EcommBX Limited held FCA authorisation under reference 900884. The entity was registered to conduct issuance of electronic money, safeguarding of customer funds, and distribution and redemption of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 115.1.3.20
EcommBX Limited
EMI · Cyprus
Verified active. EcommBX Limited holds a current Cypriot electronic money licence. The licence authorises issuance of electronic money, account information services, cash withdrawal on a payment account, and execution of payment transactions.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.8
Active
VerifiedFCA 900916
Ecommerce Technologies LTD
EMI · United Kingdom
Verified active. Ecommerce Technologies LTD holds a current UK e-money licence under the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900591
eCOMM Merchant Solutions Limited
EMI · United Kingdom
Verified active. eCOMM Merchant Solutions Limited holds a current licence issued by the Financial Conduct Authority under reference 900591.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Active
VerifiedFCA 115.1.3.56
Ecredo Limited
EMI · Cyprus
Verified active. ECREDO LIMITED holds a Cyprus electronic money licence issued by the Central Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.5
Active
VerifiedFCA 08342520965
Edenred Italia Fin S.R.L. IN Liquidazione
EMI · Italy
Verified active. EDENRED ITALIA FIN S.R.L. IN LIQUIDAZIONE holds a current Italian e-money licence, reference 08342520965, issued by Banca d'Italia.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 789968245
Edenred Paiement
EMI · France
Verified active. EDENRED PAIEMENT holds a current French e-money licence, granting authorised activities in payment instruments and transactions.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 921158866
EedenBull AS
EMI · Norway
Verified active. EedenBull AS holds a current Norwegian e-money licence under the Financial Supervisory Authority of Norway.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 900908
Emerald Financial Group (UK) Ltd
EMI · United Kingdom
Verified active. Emerald Financial Group (UK) Ltd holds a current United Kingdom e money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900778
eMerchantPay Limited
EMI · United Kingdom
Verified active. eMerchantPay Limited holds a current UK e-money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900618
EMEX Technologies Limited
EMI · United Kingdom
Verified against the FCA Financial Services Register. EMEX Technologies Limited holds licence reference 900618 as a United Kingdom e-money institution.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA C95957
Pecan Expense
EMI · Ireland
Verified active. EML Money DAC, trading as Pecan Expense, holds a licence granted on 11 July 2018 by the Central Bank of Ireland.
- Cross-border reachMulti-market
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 901106
EML Money DAC
EMI · United Kingdom
Verification indicates EML Money DAC is defunct. The entity holds a UK e-money licence (EMI) granted to the FCA, reference 901106.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 902724
Em@ney p.l.c.
EMI · United Kingdom
Verified defunct, Em@ney p.l.c. holds a UK electronic money institution licence, reference 902724, granted by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Defunct
VerifiedFCA 900683
Em@ney plc
EMI · United Kingdom
Verified against the FCA Financial Services Register. Em@ney plc held a UK e-money licence under reference 900683.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA C55558
Em@ney P.L.C.
EMI · Malta
Verified active. EM@NEY P.L.C. holds a Maltese e-money licence (C55558) issued by the Malta Financial Services Authority on 4 April 2013.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.0
Active
VerifiedFCA 900560
EMP Systems Limited
EMI · United Kingdom
Verified defunct. EMP Systems Limited held a UK Electronic Money Institution licence (reference 900560) authorised by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA C64728
Emp Systems Limited
EMI · Malta
Verified active. EMP SYSTEMS LIMITED holds a current Maltese electronic money institution licence (C64728) granted 3 June 2015 by the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA 14897511003
Enel X Financial Services S.R.L.
EMI · Italy
Verified active. ENEL X FINANCIAL SERVICES S.R.L. has a licence recorded by Banca d'Italia.
- Cross-border reachRegional
- Service scopeMulti-service
- Reader rating2.0
Active
VerifiedFCA 29925023
Enfuce License Services Oy
EMI · Finland
Verified active. Enfuce License Services Oy is a money institution authorised under licence reference 29925023 by the Finnish Financial Supervisory Authority.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.0
Active
VerifiedFCA 993783
Enfuce UK Ltd
EMI · United Kingdom
Verified active. Enfuce UK Ltd is an electronic money institution authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900028
Enumis Limited
EMI · United Kingdom
Verified active. Enumis Limited holds a current UK e-money licence issued by the Financial Conduct Authority.
- 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.