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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 05371775

Fairplay Pay s.r.o., v likvidaci

Small EMI · Czech Republic

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900703

Fidelix Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 933587

FIDO FINANCE LIMITED

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900991

Finblocks Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900144

FinPayTech Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900878

FINSEI LTD

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900986

Fintech Valley Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001891

FlorioFinance, UAB

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900187

Fortress (GB) Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 05422248

FREEVISION s.r.o.

Small EMI · Czech Republic

Verified active against the Czech National Bank register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 936270

Frost Money Ltd

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900114

Givta Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 05642361

GLOBDATA a.s.

Small EMI · Czech Republic

Verified active against the Czech National Bank register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 27322034

GoGift.com A/S

Small EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R162223

Event Store/Good4fun B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900888

Guavapay Limited

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 33749732

Handelsforeningen i Vordingborg Kommune FMBA

Small EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R134851

Handygiftcard B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA R186098

Horses & Gifts B.V.

Small EMI · Netherlands

Verified active as a Small EMI.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901014

HRYZE FINANCIAL SERVICES LIMITED

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R135512

Huis & Tuin Cadeau B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900795

ImpulsePay Ltd

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900845

Jando International UK Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R131104

Klus Cadeau B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 941009

KURINGO UK LIMITED

Small EMI · United Kingdom

Verified active against the FCA register as at the last cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 32888032

Kvarn Capital Oy

Small EMI · Finland

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 40103453692

LatCard

Small EMI · Latvia

Verified active against the Latvian Financial and Capital Market Commission register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 50003050931

lmt

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 902035

Little Starts Gift Vouchers Limited

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R166611

Local Birds B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900904

LUMINARY INC FINANCE LTD

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900093

MBNA Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA R135780

Mobyyou B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900579

Monark Finans AB

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901045

Monerium EMI ehf

Small EMI · United Kingdom

Licence status: defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900803

Moneyfold Ltd

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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.