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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 978027159

1point6

EMI · France

Verified active. 1POINT6 is authorised by the Autorité de Contrôle Prudentiel et de Résolution under licence reference 978027159.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 900918

3S Money Club Limited

EMI · United Kingdom

Verified active. 3S Money Club Limited holds a current UK electronic money licence with reference 900918 issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA W00000016

3S Money (Luxembourg) S.A.

EMI · Luxembourg

Verified active. 3S Money (Luxembourg) S.A. holds a current Luxembourg e-money licence, confirmed against the Commission de Surveillance du Secteur Financier register.

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

Active

VerifiedFCA 43351206

Accomplish (D) ApS

EMI · Denmark

Verified active. Accomplish (D) ApS holds a current Danish e-money licence as per register.

Cross-border reachPan-European
Service scopeFull-service
Reader rating5.0

Active

VerifiedFCA 900476

Ace Union Limited

EMI · United Kingdom

Verified active. Ace Union Limited holds a current UK e-money licence (ref 900476). It is authorised to safeguard customer funds, distribute and redeem electronic money, and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900440

AF Payments Limited

EMI · United Kingdom

Verified active. AF Payments Limited holds a current licence from the Financial Conduct Authority under reference 900440.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R197650

Aft EU B.V.

EMI · Netherlands

Verified active. AFT EU B.V. holds a current Dutch e-money licence issued by De Nederlandsche Bank under reference R197650.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.0

Active

VerifiedFCA W00000009

AIEU Services Limited S.A.

EMI · Luxembourg

Verified active. AIEU Services Limited S.A. has an EMI licence granted by the Luxembourg Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA 900596

Airbnb Payments UK Limited

EMI · United Kingdom

Verified active. Airbnb Payments UK Limited holds a current UK EMI licence. The licence authorises safeguarding of customer funds, issuance of electronic money, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA IEN116

Aircash d.o.o.

EMI · Croatia

Verified active. Aircash d.o.o. holds a current Croatian e-money licence under reference IEN116 from the Croatian National Bank.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.5

Active

VerifiedFCA R179622

Airwallex (Netherlands) B.V.

EMI · Netherlands

Verified active. Airwallex (Netherlands) B.V. holds a current Dutch e-money licence with De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900876

Airwallex (UK) Limited

EMI · United Kingdom

Verified active. Airwallex (UK) Limited holds a current licence as an electronic money institution under the Financial Conduct Authority (UK).

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.7

Active

VerifiedFCA 927634

AIUK Services Limited

EMI · United Kingdom

Verified active. AIUK Services Limited holds a UK e-money licence (927634) as of 15 February 2021.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000256

Akcinė bendrovė Lietuvos paštas

EMI · Lithuania

Verified active. Akcinė bendrovė Lietuvos paštas holds a current Lithuanian electronic-money licence from the Bank of Lithuania under reference LB000256, granted 1 March 2011.

Cross-border reachRegional
Service scopeMulti-service
Reader rating3.5

Active

VerifiedFCA 952360

Algbra FS UK Limited

EMI · United Kingdom

Verified active. Algbra FS UK Limited holds a current UK electronic money licence with the Financial Conduct Authority, reference number 952360.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900124

Allied Wallet Limited

EMI · United Kingdom

Verified active. Allied Wallet Limited holds a current UK e-money licence registered with the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900539

Allpay Limited

EMI · United Kingdom

Verified active. Allpay Limited holds a current UK e-money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 163815

AllUnity GmbH

EMI · Germany

Verified active. AllUnity GmbH is authorised by Bundesanstalt fur Finanzdienstleistungsaufsicht to safeguard customer funds and issue electronic money.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA C 96623

Alpha FX Europe Limited

EMI · Malta

Verified active. Alpha FX Europe Limited is a Maltese electronic money institution registered with the Malta Financial Services Authority.

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

Active

VerifiedFCA 900849

Alpha FX Limited

EMI · United Kingdom

Verified active. Alpha FX Limited holds a current licence from the Financial Conduct Authority under reference 900849.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C 109724

ALT21 Europe Limited

EMI · Malta

Verified active. ALT21 Europe Limited, a Malta based money institution, is authorised by the Malta Financial Services Authority under licence reference C 109724.

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

Active

VerifiedFCA 115.1.3.61

ALTERY EU LIMITED (formerly named: HEADO LIMITED)

EMI · Cyprus

Verified active. ALTERY EU LIMITED is a Cypriot electronic money institution regulated by the Central Bank of Cyprus.

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

Active

VerifiedFCA 901037

Altery LTD

EMI · United Kingdom

Verified active. Altery LTD holds a current United Kingdom e-money licence (901037) from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900857

Amaiz Limited

EMI · United Kingdom

Verified active. Amaiz Limited holds a UK e-money licence authorising issuance of electronic money, safeguarding of customer funds, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000001

Amazon Payments Europe S.C.A.

EMI · Luxembourg

Verified active. Amazon Payments Europe S.C.A. in Luxembourg holds an e-money licence from the Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA 1041721

Amazon Payments UK Limited

EMI · United Kingdom

Verified active. Amazon Payments UK Limited holds a current UK e-money licence. Under the FCA, the licence authorises safeguarding of customer funds, issuing electronic money, and distributing and redeeming electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C 97170

Andaria Financial Services Limited

EMI · Malta

Verified active. Andaria Financial Services Limited holds a current Maltese e-money licence from the Malta Financial Services Authority.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 933187

Andaria Financial Services UK Limited

EMI · United Kingdom

Verified active. Andaria Financial Services UK Limited holds a current licence issued by the Financial Conduct Authority on 11 October 2021.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R180692

Aplauz NL B.V./WEUR/WSPN

EMI · Netherlands

Verified active. Aplauz NL B.V. holds the Dutch e-money licence R180692 authorised by De Nederlandsche Bank.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.3

Active

VerifiedFCA 901098

A Plus Payment Solutions Ltd

EMI · United Kingdom

Verified active against the FCA Financial Services Register. A Plus Payment Solutions Ltd holds current authorisation as a UK electronic money institution under reference 901098.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40203416512

40203416512

EMI · Latvia

Verified active. AP OPERATIONS SIA holds a Latvian e-money licence.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 1004915

Apron Payments Ltd

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register. APRON PAYMENTS LTD holds a current e-money institution licence issued 2 August 2024.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 160094

APS AVIA Payment Service GmbH

EMI · Germany

Verified active. APS AVIA Payment Service GmbH holds a current German e-money licence - licence reference 160094.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R182875

Argentex B.V.

EMI · Netherlands

Verified active. Argentex B.V. holds a current Dutch e-money licence under reference R182875, authorised by De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA 900671

Argentex LLP

EMI · United Kingdom

Verified active. Argentex LLP holds a current e-money licence issued by the Financial Conduct Authority under reference 900671, granted in May 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C511576

ArmadilloPay Ireland Limited

EMI · Ireland

Verified active. ArmadilloPay Ireland Limited holds a current Irish e-money licence C511576 issued by the Central Bank of Ireland, covering its full range of electronic money operations.

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.