VerifiedFCA R134851
Handygiftcard B.V.
Small EMI · Netherlands
Verified active. Handygiftcard B.V. holds a current Dutch e-money licence (R134851) from De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeFull-service
Active
EMI register: licensed e-money institutions
110 institutions · Small 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.
VerifiedFCA R186098
Horses & Gifts B.V.
Small EMI · Netherlands
Verified active. Horses & Gifts B.V. holds a current Dutch electronic money licence under reference R186098.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R135512
Huis & Tuin Cadeau B.V.
Small EMI · Netherlands
Verified active. Huis & Tuin Cadeau B.V. holds a current Dutch e-money licence issued by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA R131104
Klus Cadeau B.V.
Small EMI · Netherlands
Verified active. Klus Cadeau B.V. has a licence from De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 941009
Kuringo UK Limited
Small EMI · United Kingdom
Verified active. Kuringo UK Limited holds an active small e-money institution licence from the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 32888032
Kvarn Capital Oy
Small EMI · Finland
Verified active. Kvarn Capital Oy holds a small e-money licence in Finland, granted by Finnish Financial Supervisory Authority on 10 November 2023 under reference 32888032.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 40103453692
LatCard
Small EMI · Latvia
Verified active. LatCard AS, trading as LatCard, holds a current Latvian small electronic money licence from the Bank of Latvia.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 50003050931
lmt
Small EMI · Latvia
Verified active. Latvijas Mobilais Telefons SIA, trading as lmt, holds a small EMI licence from the Bank of Latvia.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R166611
Local Birds B.V.
Small EMI · Netherlands
Verified active. Local Birds B.V. is listed under a De Nederlandsche Bank-issued small EMI licence, reference R166611, granted 21 March 2020.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900904
Luminary Inc Finance Ltd
Small EMI · United Kingdom
Verified active. LUMINARY INC FINANCE LTD holds a current Small EMI licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R135780
Mobyyou B.V.
Small EMI · Netherlands
Verified active; Mobyyou B.V. holds a current Dutch e-money licence as of the last check. The licence authorises cash withdrawal services on a payment account, allowing customers to retrieve funds.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 11149839
MSS Professional A/S
Small EMI · Denmark
Verified active today. MSS Professional A/S holds a current Danish e-money licence. The licence authorises issuance of electronic money, safeguarding of customer funds, and money remittance.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R101582
Multicard Nederland B.V.
Small EMI · Netherlands
Verified active. Multicard Nederland B.V. holds a current Dutch e-money licence under De Nederlandsche Bank regulation.
- Cross-border reachDomestic
- Service scopeFull-service
Active
VerifiedFCA R105435
Nationale Tuinbon B.V.
Small EMI · Netherlands
Verified active. Nationale Tuinbon B.V. holds a current Dutch e-money licence, authorising issuance of electronic money and safeguarding of customer funds, issued by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 929794
Nation Remit Ltd
Small EMI · United Kingdom
Verified active. Nation Remit Ltd holds a current Small EMI licence, issued by the Financial Conduct Authority, with licence reference 929794 and granted on 29 January 2021.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 24226726
Netera Systems s.r.o.
Small EMI · Czech Republic
Verified active. Netera Systems s.r.o. holds a current Czech e-money licence as listed by the Czech National Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 900045
Nochex Ltd
Small EMI · United Kingdom
Verified active. Nochex Ltd holds a current Small EMI licence from the Financial Conduct Authority, reference 900045.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.0
Active
VerifiedFCA R181680
ohmygood B.V.
Small EMI · Netherlands
Verified active. Ohmygood B.V. holds a current Dutch small EMI licence, reference R181680, issued by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 05730848
Paa Capital SE
Small EMI · Czech Republic
Verified active. PAA CAPITAL SE holds a Small EMI licence issued by the Czech National Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 31615712
PAY4IT ApS
Small EMI · Denmark
Verified active. PAY4IT ApS holds a current Danish small e-money licence from the Danish Financial Supervisory Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 04863020
Payment Corporation SE
Small EMI · Czech Republic
Verified active. Payment Corporation SE holds a Small EMI licence from the Czech National Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 05927994
Paynovatio a.s.
Small EMI · Czech Republic
Verified active. Paynovatio a.s. holds a Small EMI licence granted on 24 July 2017 by the Czech National Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 901016
Payver Limited
Small EMI · United Kingdom
Verified active. Payver Limited holds a UK e-money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 18640022
PCKT Money Oyj
Small EMI · Finland
Verified active. PCKT Money Oyj is a Finnish small electronic money institution operating under a licence granted on 30 December 2015.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 05330769
Platon Payments s.r.o.
Small EMI · Czech Republic
Verified active. Platon Payments s.r.o. holds a current Czech small e-money licence issued by the Czech National Bank on 1 June 2017.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 32561945
PlusID Oy
Small EMI · Finland
Verified active. PlusID Oy holds a current Finnish e-money licence issued by the Finnish Financial Supervisory Authority.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 25220683
Plzeňské městské dopravní podniky, a.s.
Small EMI · Czech Republic
Verified active. Plzeňské městské dopravní podniky, a.s. holds a small e-money licence granted on 25 September 2012 by the Czech National Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R130567
Verified active. Premium Concepts B.V. holds a current Dutch e-money licence. The authorisation permits issuance of electronic money and safeguarding of customer funds.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 02980461
Prepaid Solutions a.s.
Small EMI · Czech Republic
Verified active. Prepaid Solutions a.s. holds a current Czech e-money licence (Small EMI, reference 02980461) authorised by the Czech National Bank to issue electronic money and safeguard customer funds.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 04631447
Project collect s.r.o.
Small EMI · Czech Republic
Verified active. Project collect s.r.o. holds a Czech e-money licence under reference 04631447.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 0899337082
Verified active. RES PREPAID (geschrapt, faillissement per 18 04 2019)/RES PREPAID (radié, en faillite depuis le 18 04 2019) holds a current Belgian e-money licence issued by the National Bank of Belgium.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 40103445248
My Pay
Small EMI · Latvia
Verified active. Sabiedrība ar ierobežotu atbildību "My Pay" holds a current Latvian small EMI licence issued by the Bank of Latvia.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 40003523495
Tirdzniecības Centrs Pleskodāle
Small EMI · Latvia
Verified active. Sabiedrība ar ierobežotu atbildību 'TIRDZNIECĪBAS CENTRS PLESKODĀLE' holds Latvian Small EMI licence 40003523495 from the Bank of Latvia.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 06419526
Safe Payments Solutions s.r.o., v likvidaci
Small EMI · Czech Republic
Verified active. Safe Payments Solutions s.r.o., v likvidaci is a Czech Small EMI authorised by the Czech National Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 900475
Sedel Capital LLP
Small EMI · United Kingdom
Verified active. Sedel Capital LLP holds a Small Electronic Money Institution licence in the United Kingdom, issued by the FCA, reference 900475.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 932841
Sendspend Limited
Small EMI · United Kingdom
Verified active. Sendspend Limited holds a current Small EMI licence issued by the Financial Conduct Authority.
- 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.