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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

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.

Licence:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

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

VerifiedFCA 900172

Epayments Systems Ltd

EMI · United Kingdom

Verified active. Epayments Systems Ltd holds a current EMI licence, reference 900172, granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C68611

Epg Financial Services Limited

EMI · Malta

Verified active. EPG FINANCIAL SERVICES LIMITED holds a current Maltese e-money licence C68611.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating4.7

Active

VerifiedFCA 115.1.3.32

Trademark (brandname): MAP-E-PAY

EMI · Cyprus

Verified active. EPMAP LIMITED, trading as MAP-E-PAY, holds a licence type EMI from the Central Bank of Cyprus reference 115.1.3.32.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900493

Equals Money International Limited

EMI · United Kingdom

Verified active. EQUALS MONEY INTERNATIONAL LIMITED holds a current UK electronic money licence from the Financial Conduct Authority, reference 900493.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900892

Equiniti Global Payments Limited

EMI · United Kingdom

Verified active. Equiniti Global Payments Limited holds a current UK e-money licence granted by the Financial Conduct Authority on 23 November 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901100

Eqwire UK Limited

EMI · United Kingdom

Verified active. Eqwire UK Limited holds a current UK e-money licence recorded in the FCA register (reference 901100).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA IEN113

Erste Card Club d.o.o.

EMI · Croatia

Verified active. Erste Card Club d.o.o. holds a current Croatian e-money licence (IEN113).

Cross-border reachRegional
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 997457056

Espos Norge AS

EMI · Norway

Verified active. Espos Norge AS holds a current Norwegian e-money licence, reference 997457056, granted 8 August 2016.

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

Active

VerifiedFCA 900912

ETA Money Limited

EMI · United Kingdom

Verified active. ETA Money Limited holds a current UK e-money licence, reference 900912, granted 16 October 2019, regulated by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001874

Etapay UAB

EMI · Lithuania

Verified active. Etapay UAB, licence reference LB001874, is a Lithuanian electronic money institution authorised by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.8

Active

VerifiedFCA C97952

eToro Money Malta Limited

EMI · Malta

Verified active. eToro Money Malta Limited holds an e-money licence (C97952) authorised by the Malta Financial Services Authority.

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

Active

VerifiedFCA 900203

eToro Money UK Ltd

EMI · United Kingdom

Verified active. eToro Money UK Ltd holds a current licence issued by the Financial Conduct Authority under reference 900203.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 39729482

Eurodollar ApS

EMI · Denmark

Verified active. Eurodollar ApS is licensed by the Danish Financial Supervisory Authority under reference 39729482.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 902021

Euro Exchange Securities UK Ltd

EMI · United Kingdom

Verified active. Euro Exchange Securities UK Ltd holds a current UK e money licence authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900009

Euronet 360 Finance Limited

EMI · United Kingdom

Verified active. Euronet 360 Finance Limited holds a UK e-money licence from the Financial Conduct Authority, reference 900009, granted 18 May 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 800509341

Everypay M.A.E.

EMI · Greece

Verified active. EVERYPAY PAYMENT SERVICES SINGLE MEMBER S.A. holds licence reference 800509341 from the Bank of Greece, granted 26 July 2024.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating3.9

Active

VerifiedFCA 997541

Exepay Ltd

EMI · United Kingdom

Verified active. EXEPAY LTD in the United Kingdom is authorised by the Financial Conduct Authority to issue electronic money, safeguard customer funds, and distribute and redeem electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 522058544

Ezyness

EMI · France

Verified active. EZYNESS holds a current French e-money licence issued by Autorite de Controle Prudentiel et de Resolution.

Cross-border reachRegional
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA C148215

Facebook Payments International Limited

EMI · Ireland

Verified active. Facebook Payments International Limited holds the Irish e-money licence C148215 issued by the Central Bank of Ireland on 9 July 2018.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 1015576

Fairmay Ltd

EMI · United Kingdom

Verified active. FAIRMAY LTD holds a current UK e-money licence 1015576 authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900681

Fasterpay Ltd

EMI · United Kingdom

Verified active. Fasterpay Ltd holds a UK e-money licence (reference 900681) authorised by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C91591

Fast Shift Limited

EMI · Malta

Verified active. Fast Shift Limited holds a current Malta Financial Services Authority e-money licence under reference C91591.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900524

Fiat Republic Financial Services Ltd

EMI · United Kingdom

Verified active. Fiat Republic Financial Services Ltd holds a current UK e-money licence referenced 900524.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R190553

Fiat Republic Netherlands B.V.

EMI · Netherlands

Verified active. Fiat Republic Netherlands B.V. holds a Dutch e-money licence. Authorised activities encompass execution of payment transactions on a payment account, issuance of electronic money, and issuing and acquiring payment instruments.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.1

Active

VerifiedFCA 47570431

Filbo Pay S.A.

EMI · Romania

Verified active. FILBO PAY S.A. holds a licence granted on 25 March 2024 by the National Bank of Romania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 0434818930

Fimaser

EMI · Belgium

Verified active. Fimaser holds a current Belgian e-money licence (0434818930) under the National Bank of Belgium.

Cross-border reachRegional
Service scopeFull-service
Reader rating3.0

Active

VerifiedFCA C55838

Finance Incorporated Limited

EMI · Malta

Verified active. Finance Incorporated Limited, licensed in Malta by the Malta Financial Services Authority, holds licence C55838.

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

Active

VerifiedFCA 902039

Financial House Limited

EMI · United Kingdom

Verified active. Financial House Limited holds a current UK electronic money licence (902039) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002187

FinCause, UAB

EMI · Lithuania

Verified active. FinCause UAB holds a current Lithuanian e-money licence, authorised by the Bank of Lithuania (LB002187).

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

Active

VerifiedFCA LB001933

Finci, UAB

EMI · Lithuania

Verified active. Finci, UAB holds a Lithuanian electronic-money licence under reference LB001933, granted 5 December 2019.

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

Active

VerifiedFCA 901102

Finmo UK Group Limited

EMI · United Kingdom

Verified active. Finmo UK Group Limited holds a current UK e-money licence. The regulator is the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA R180074

Finom Payments B.V.

EMI · Netherlands

Verified active. FINOM Payments B.V., trading as FINOM PAYMENTS B.V., holds an Electronic Money Institution licence from De Nederlandsche Bank.

Cross-border reachPan-European
Service scopeFull-service
Reader rating3.8

Active

VerifiedFCA 6718

Finpay Entidad de Dinero Electrónico, S.A.

EMI · Spain

Verified active. FINPAY ENTIDAD DE DINERO ELECTRÓNICO, S.A. is an authorised electronic money institution overseen by Banco de España.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 941406

Finseta Payment Solutions Ltd

EMI · United Kingdom

Verified active. Finseta Payment Solutions Ltd holds a current UK e-money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

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.