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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 IEN110

Hrvatski Telekom d.d.

EMI · Croatia

Verified active. Hrvatski Telekom d.d. holds a current Croatian e-money licence for electronic money.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 1004355

Hy10 Global Ltd

EMI · United Kingdom

Verified active. HY10 Global LTD holds a current FCA Electronic Money Licence (1004355). 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 02686590023

Hype S.P.A.

EMI · Italy

Verified active. HYPE S.P.A. holds a current Italian e-money licence. The licence authorises issuance of electronic money and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 1001629

iBanFirst Limited

EMI · United Kingdom

Verified active. iBanFirst Limited holds a current UK e-money licence, reference 1001629, granted 16 August 2024 by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000404

ibsettle UAB

EMI · Lithuania

Verified active. ibsettle UAB holds a Lithuanian e-money licence (LB000404) issued by the Bank of Lithuania on 29 March 2017.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.2

Active

VerifiedFCA 115.1.3.81

Iconglobal Ltd

EMI · Cyprus

Verified active. Iconglobal Ltd holds a Cyprus electronic money licence, as recorded in the Central Bank of Cyprus register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900517

IFX (UK) Ltd

EMI · United Kingdom

Verified active. IFX (UK) Ltd holds a current electronic money institution licence from the FCA, authorised to issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R201891

iLedgends B.V./emoni

EMI · Netherlands

Verified active. iLedgends B.V./emoni holds a current Dutch e-money licence (R201891) granted 21 May 2026 by De Nederlandsche Bank.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 922499033

Illipay

EMI · France

Verified active. ILLIPAY holds a licence from the Autorité de Contrôle Prudentiel et de Résolution to safeguard customers' funds and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 0461328436

Imagor

EMI · Belgium

Verified active. Imagor holds a current Belgian e-money licence, reference 0461328436, granted 18 June 2013.

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

Active

VerifiedFCA 1027309

Incard Ltd

EMI · United Kingdom

Verified active. Incard Ltd holds a current UK e-money licence under FCA reference 1027309.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 14605379

inHouse Pay AS

EMI · Estonia

Verified active. The Estonian Financial Supervision Authority issued inHouse Pay AS a current licence (14605379) on 9 September 2019.

Cross-border reachRegional
Service scopeMulti-service
Reader rating3.6

Active

VerifiedFCA 32317731

Inpay A/S

EMI · Denmark

Verified active. Inpay A/S holds a current Danish e-money licence under reference 32317731, granted 29 June 2023 by the Danish Financial Supervisory Authority.

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

Active

VerifiedFCA 48003

Intergiro Intl AB (publ)

EMI · Sweden

Verified active. Intergiro Intl AB (publ) holds a current Swedish e-money licence with reference 48003.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.6

Active

VerifiedFCA LB000245

International Fintech, UAB

EMI · Lithuania

Verified active. International Fintech, UAB, authorised by the Bank of Lithuania under licence LB000245, is an electronic money institution.

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

Active

VerifiedFCA C42802

Pay to Study

EMI · Ireland

Verified active. InterPay Limited holds licence C42802 from the Central Bank of Ireland, granted on 26 April 2023.

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

Active

VerifiedFCA 900930

Interpay UK ltd

EMI · United Kingdom

Verified active. Interpay UK ltd holds a current UK e-money licence. The licence authorises distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds, per the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900413

Interpolitan Money P.L.C.

EMI · United Kingdom

Verified active. INTERPOLITAN MONEY P.L.C. holds a current UK e-money licence, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA F0027

Intersolve Payments B.V.

EMI · Netherlands

Verified active. Intersolve Payments B.V. holds a Dutch e-money licence (F0027) issued by De Nederlandsche Bank on 19 February 2019.

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

Active

VerifiedFCA 11034137

IPF Digital AS

EMI · Estonia

Verified active. IPF Digital AS is listed under licence reference 11034137 at the Estonian Financial Supervision Authority.

Cross-border reachRegional
Service scopeMulti-service
Reader rating5.0

Active

VerifiedFCA 115.1.3.28

IPS Solutions Ltd (operating under the Trademark 'Payz')

EMI · Cyprus

Verified active. IPS Solutions Ltd, trading under the Payz trademark, holds an EMI licence.

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

Active

VerifiedFCA C 83377

iQash Limited

EMI · Malta

Verified active. iQash Limited holds a Maltese e-money licence, reference C 83377. The licence authorises payment transactions on a payment account, issuance of electronic money, safeguarding of customer funds, money remittance, and cash deposit services.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901034

ISX Financial UK Ltd

EMI · United Kingdom

Verified active. ISX Financial UK Ltd holds a current UK e-money licence issued by the FCA on 11 September 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 45505

iZettle AB

EMI · Sweden

Verified active. iZettle AB, a Swedish Electronic Money Institution, is authorised by the Swedish Financial Supervisory Authority to issue money and safeguard funds.

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

Active

VerifiedFCA 115.1.3.55

JCC Payment Systems Limited

EMI · Cyprus

Verified active. JCC PAYMENT SYSTEMS LIMITED holds a current electronic money institution licence issued by the Central Bank of Cyprus.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.8

Active

VerifiedFCA 559419-5314

Jifiti Patorai AB

EMI · Sweden

Verified active. Jifiti Patorai AB holds a current Swedish e-money licence, as cross-checked against the Swedish Financial Supervisory Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000008

J. P. Morgan Mobility Payments Solution S.A.

EMI · Luxembourg

Verified active. J. P. Morgan Mobility Payments Solution S.A. holds a Luxembourg e-money licence from the Commission de Surveillance du Secteur Financier.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.9

Active

VerifiedFCA C106164

Justcards (Europe) Limited

EMI · Malta

Verified active. Justcards (Europe) Limited holds a Maltese EMI licence C106164 under the Malta Financial Services Authority, granted 22 January 2025.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating2.7

Active

VerifiedFCA 900981

Kashet Ltd

EMI · United Kingdom

Verified active. Kashet Ltd holds a current licence granted by the Financial Conduct Authority on 5 December 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1026130

KDMS Payments Ltd

EMI · United Kingdom

Verified active. KDMS PAYMENTS LTD is a United Kingdom (GB) unit authorised by the Financial Conduct Authority under licence type EMI, reference 1026130, granted 22 August 2025.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1020783

Keel Money Ltd

EMI · United Kingdom

Verified active. Keel Money Ltd holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900914

Kitakami Limited

EMI · United Kingdom

Verified active. Kitakami Limited holds a current United Kingdom electronic money licence 900914 under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1021834

Klarna Financial Services UK Limited

EMI · United Kingdom

Verified active. KLARNA FINANCIAL SERVICES UK LIMITED holds a current licence granted on 28 July 2025 by the Financial Conduct Authority, reference 1021834.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA C98080

Koala Money Limited

EMI · Malta

Verified active. Koala Money Limited holds a Malta e-money licence issued by the Malta Financial Services Authority.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002065

KogoPay UAB

EMI · Lithuania

Verified active. KogoPay UAB holds licence reference LB002065, licensed by the Bank of Lithuania on 4 March 2021.

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

Active

VerifiedFCA 115.1.3.30

Koronapay Europe Limited

EMI · Cyprus

Verified active. Koronapay Europe Limited holds the Cyprus electronic money licence 115.1.3.30.

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

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.