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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

155 institutions · Small 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.

Licence:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

VerifiedFCA IENM211

A1 Hrvatska d.o.o.

Small EMI · Croatia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R136266

Alternatieve Kadobon B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 05539323

ALTERNATIVE PAYMENT SOLUTIONS, s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900883

Aspire Payments limited

Small EMI · United Kingdom

Verified active as a Small EMI.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900118

Attach (Global) Limited

Small EMI · United Kingdom

Licence status withdrawn as of last register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 900961

Authoripay Emoney Ltd

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901055

Azure Payments Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 932609

Babb Remit Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 24236501

BANCIBO, SE

Small EMI · Czech Republic

Verified active as a small electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900933

Bedford Pay LTD

Small EMI · United Kingdom

Verified active against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA R182850

Biercheque B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901054

Biilz UK Ltd

Small EMI · United Kingdom

Licence status: withdrawn as recorded in the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 900693

Billon Financial Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 27433279

Blocktech Oy

Small EMI · Finland

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 22947713

BookIT International Oy

Small EMI · Finland

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R182940

Brouwer Vos Payments B.V.

Small EMI · Netherlands

Verified active as of the last register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R195386

CCV International B.V./Codata

Small EMI · Netherlands

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900515

Cendit Limited

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Authorisation withdrawn

VerifiedFCA 901059

Checkout SAS

Small EMI · United Kingdom

Licence confirmed defunct as at the last register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R203770

Chirp B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900696

Clear Junction Digital Limited

Small EMI · United Kingdom

Verified inactive.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900109

Cloudzync Ltd

Small EMI · United Kingdom

Verified against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900590

Comcarde Limited

Small EMI · United Kingdom

Verified defunct as of the last register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 936014

Conto Group Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 938488

Crossbeam Financial Services Ltd

Small EMI · United Kingdom

Verified active as at last cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R181593

Admirror Nederland/Culinair Holding B.V./Culinair

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900108

Damaras Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register: Damaras Limited held a Small EMI licence under reference 900108.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA R188805

Qarma/Dappre B.V./Scoor voor je Club

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900848

Disberse Limited

Small EMI · United Kingdom

Licence status: defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900777

DLocal Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 05925096

DNA Oyj

Small EMI · Finland

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900152

Droplet Online Ltd

Small EMI · United Kingdom

Operational status: withdrawn.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA R135007

Ease2/Ease2Go/Ease2Park/Ease2Fuel/Ease2Pay/MyOrder/OnTheGo/Prettig Parkeren/Book & Park/Ease2pay B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R199074

EasyPay B.V.

Small EMI · Netherlands

Verified active as of the last cross-check against De Nederlandsche Bank's register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 03838846

EDF PAYMENT SOLUTIONS s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1035264

EMBED PAY LTD

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

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.