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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 900555

Moorwand LTD

Small EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 11149839

MSS Professional A/S

Small EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 932546

MTL Financial Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R101582

Multicard Nederland B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA R105435

Nationale Tuinbon B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 929794

Nation Remit Ltd

Small EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 24226726

Netera Systems s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900045

Nochex Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA R181680

ohmygood B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 05730848

PAA CAPITAL SE

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 926987

PARAM@ UK LTD

Small EMI · United Kingdom

Licence status withdrawn as of the last FCA register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 31615712

PAY4IT ApS

Small EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 04863020

Payment Corporation SE

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900785

Paynetics AD

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 05927994

Paynovatio a.s.

Small EMI · Czech Republic

Verified active against the Czech National Bank register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901075

Payoneer Europe Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901016

Payver Limited

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900133

Payxpert UK Ltd

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 18640022

PCKT Money Oyj

Small EMI · Finland

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 902045

PECUNIA CARDS EDE, S.L.U.

Small EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 953987

People Places Lives Limited

Small EMI · United Kingdom

Verified against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 05330769

Platon Payments s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 32561945

PlusID Oy

Small EMI · Finland

Verified active as at the most recent register cross-check.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 25220683

Plzeňské městské dopravní podniky, a.s.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900041

PPPay Limited

Small EMI · United Kingdom

Licence status withdrawn as at the last register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA R130567

WinkelCheque/Winkel Cheque/Beauty & Fashion cadeaukaart/Lees Cadeau/LeesCadeau/Premium Concepts B.V./Fashion Giftcard/FashionGiftcard.nl/BuurtCadeau

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 02980461

Prepaid Solutions a.s.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 04631447

Project collect s.r.o.

Small EMI · Czech Republic

Verified active against the Czech National Bank register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 902068

QuartzPay Limited

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 0899337082

RES PREPAID (geschrapt, faillissement per 18 04 2019)/RES PREPAID (radié, en faillite depuis le 18 04 2019)

Small EMI · Belgium

Verified active against the National Bank of Belgium register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40103445248

My Pay

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003523495

TIRDZNIECĪBAS CENTRS PLESKODĀLE

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900841

Sabstone Ltd

Small EMI · United Kingdom

Verified against the FCA Financial Services Register as at the last cross-check: Sabstone Ltd held a Small EMI licence under reference 900841.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 06419526

Safe Payments Solutions 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 900475

Sedel Capital LLP

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 932841

Sendspend Limited

Small EMI · United Kingdom

Verified active.

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.