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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

156 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All Active Defunct Withdrawn Inactive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. A1 Hrvatska d.o.o. holds a current Croatian e-money licence granted by the Croatian National Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R136266

Alternatieve Kadobon B.V.

Small EMI · Netherlands

Verified active. Alternatieve Kadobon B.V. holds a current Dutch e-money licence issued by De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 05539323

ALTERNATIVE PAYMENT SOLUTIONS, s.r.o.

Small EMI · Czech Republic

Verified active. Alternative Payment Solutions, s.r.o. holds a current Czech e-money licence, cross-checked against the Czech National Bank's register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900883

Aspire Payments limited

Small EMI · United Kingdom

Verified active. Aspire Payments limited, a UK Small EMI, is authorised by the FCA to safeguard customer funds and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900118

Attach (Global) Limited

Small EMI · United Kingdom

Verified withdrawn. Attach (Global) Limited held a Small EMI licence from the Financial Conduct Authority, authorising issuance of electronic money and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 900961

Authoripay Emoney Ltd

Small EMI · United Kingdom

Status as at the last register cross-check: defunct. Authoripay Emoney Ltd holds a UK Small EMI licence, reference 900961.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901055

Azure Payments Ltd

Small EMI · United Kingdom

Verified active. Azure Payments Ltd holds a current UK small electronic money institution licence, authorised by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 932609

Babb Remit Ltd

Small EMI · United Kingdom

Verified active. Babb Remit Ltd holds a current UK small electronic money licence granted by the Financial Conduct Authority on 23 December 2021.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 24236501

Bancibo, SE

Small EMI · Czech Republic

Verified active. BANCIBO, SE holds a current Czech National Bank Small EMI licence (reference 24236501).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900933

Bedford Pay LTD

Small EMI · United Kingdom

Verified active. Bedford Pay LTD holds a small electronic money licence, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA R182850

Biercheque B.V.

Small EMI · Netherlands

Verified active. Biercheque B.V. holds a Dutch small e-money licence under De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901054

Biilz UK Ltd

Small EMI · United Kingdom

Verified withdrawn. Biilz UK Ltd held a Small EMI licence from the Financial Conduct Authority under reference 901054.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 900693

Billon Financial Ltd

Small EMI · United Kingdom

Verified active. Billon Financial Ltd holds a current Small EMI licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 27433279

Blocktech Oy

Small EMI · Finland

Verified active. Blocktech Oy holds a current Finnish Small EMI licence (reference 27433279) as recorded by the Finnish Financial Supervisory Authority.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 22947713

BookIT International Oy

Small EMI · Finland

Verified active. BookIT International Oy is a small electronic money institution in Finland.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R182940

Brouwer Vos Payments B.V.

Small EMI · Netherlands

Verified active. Brouwer Vos Payments B.V. holds a current Dutch small EMI licence. The licence is granted by De Nederlandsche Bank and authorises issuance of payment instruments and acquisition of payment transactions.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R195386

CCV International B.V./Codata

Small EMI · Netherlands

Verified active: CCV International B.V./Codata holds a Small EMI licence R195386 from De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900515

Cendit Limited

Small EMI · United Kingdom

Verified withdrawn. Cendit Limited was granted a Small EMI licence by the FCA in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Authorisation withdrawn

VerifiedFCA 901059

Checkout SAS

Small EMI · United Kingdom

Verified defunct. Checkout SAS, a United Kingdom small electronic money institution, held register reference 901059 authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R203770

Chirp B.V.

Small EMI · Netherlands

Verified active. Chirp B.V. holds a small electronic money licence. It is authorised to issue payment instruments, acquire transactions, issue money, execute account payments, and safeguard funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900696

Clear Junction Digital Limited

Small EMI · United Kingdom

Verified defunct. Clear Junction Digital Limited held a former small electronic money institution licence in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900109

Cloudzync Ltd

Small EMI · United Kingdom

Verified defunct. Cloudzync Ltd held a Small EMI licence, reference 900109, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900590

Comcarde Limited

Small EMI · United Kingdom

Verified defunct. Comcarde Limited was authorised by the FCA under licence reference 900590 as a small electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 936014

Conto Group Limited

Small EMI · United Kingdom

Verified defunct. Conto Group Limited was a Small EMI registered in the United Kingdom. It was authorised by the Financial Conduct Authority to safeguard customer funds and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 938488

Crossbeam Financial Services Ltd

Small EMI · United Kingdom

Verified active. Crossbeam Financial Services Ltd holds a current United Kingdom small electronic money issuer licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R181593

Admirror Nederland/Culinair Holding B.V./Culinair

Small EMI · Netherlands

Verified active. Culinair Holding B.V. is listed with a current Dutch e-money licence granted by De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900108

Damaras Limited

Small EMI · United Kingdom

Verified withdrawn. Damaras Limited, a United Kingdom small electronic money institution, previously held an FCA licence that authorised safeguarding of customer funds and issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA R188805

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

Small EMI · Netherlands

Verified active. Dappre B.V. holds a current Dutch e-money licence from De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900848

Disberse Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register. Disberse Limited holds - or held - a Small EMI licence under reference 900848.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900777

DLocal Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register. DLocal Limited held a Small EMI licence issued by the Financial Conduct Authority under reference 900777.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 05925096

DNA Oyj

Small EMI · Finland

Verified active. DNA Oyj holds a Finnish e-money licence that the register confirms as of the latest cross-check.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900152

Droplet Online Ltd

Small EMI · United Kingdom

Verified. Droplet Online Ltd holds a Small EMI licence granted by the Financial Conduct Authority, as cross-checked against the FCA register, authorising safeguarding of customer funds and issuance of electronic money.

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. Ease2pay B.V. holds a current Dutch e-money licence with De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R199074

EasyPay B.V.

Small EMI · Netherlands

Verified active. EasyPay B.V. holds a current Dutch e-money licence. It authorises safeguarding of customer funds and issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 03838846

EDF PAYMENT SOLUTIONS s.r.o.

Small EMI · Czech Republic

Verified active, EDF PAYMENT SOLUTIONS s.r.o. holds a Czech electronic money licence, reference 03838846, governed by the Czech National Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1035264

Embed Pay Ltd

Small EMI · United Kingdom

Verified active. EMBED PAY LTD holds a current UK Small e-money licence. The licence is authorised by the Financial Conduct Authority to safeguard customer funds and issue electronic money.

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.