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Cross-checked against the FCA + EBA registers

Licensed EMIsSee verified EMIs

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.

Licence:

AllEMISmall EMIExempted EMIPI

Status:

AllActiveDefunctWithdrawnInactive

Passporting:

AllWith EEA passport
VerifiedFCA 939202

Shout 2020 Limited

Small EMI · United Kingdom

Verified active. Shout 2020 Limited presently holds a current UK e-money licence issued by the FCA.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 900990

Shrap Ltd

Small EMI · United Kingdom

Verified active. Shrap Ltd holds a current UK e-money licence (reference 900990) issued by the FCA on 15 July 2019.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 44103125067

Andele Mandele

Small EMI · Latvia

Verified active. SIA 'Andele Mandele PAY' (trading name Andele Mandele) is a Small EMI licensed by the Bank of Latvia.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 40003812282

Dāvanu karte

Small EMI · Latvia

Verified active. SIA 'Dāvanu karte', trading as Dāvanu karte, holds a small EMI licence from the Bank of Latvia.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 53603046151

FromMe

Small EMI · Latvia

Verified active. FromMe holds a Latvian small e-money licence from the Bank of Latvia. The licence authorises issuance of electronic money and safeguarding of customer funds.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 40003242671

Paybanco

Small EMI · Latvia

Verified active. Paybanco, a Latvian small electronic money institution, holds a licence granted 28 October 2011.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 40003979933

Rīgas Karte

Small EMI · Latvia

Verified active. SIA 'RĪGAS KARTE', trading as RĪGAS KARTE, holds a small electronic money licence from the Bank of Latvia.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 901011

Silicon Silk Ltd

Small EMI · United Kingdom

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

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 902044

Simplepay London Ltd

Small EMI · United Kingdom

Verified active. Simplepay London Ltd holds a current UK small EMI licence 902044 from the FCA.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 20460178

Smartum Oy

Small EMI · Finland

Verified active. Smartum Oy holds a current Finnish e-money licence under the Finnish Financial Supervisory Authority.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 24807842

SMSVYSLEDKY s.r.o.

Small EMI · Czech Republic

Verified active. SMSVYSLEDKY s.r.o. holds a current Czech small electronic money institution licence.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA R194234

Cardflow/Stadsie

Small EMI · Netherlands

Verified active. Stadsie B.V. holds a small electronic money institution licence, reference R194234, granted by the De Nederlandsche Bank on 31 March 2025.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 30925432

Steen & Strøm Centerservice A/S

Small EMI · Denmark

Verified active. Steen & Strøm Centerservice A/S is a Danish small electronic money institution.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA R192789

Stichting Cadeaukaart Enschede

Small EMI · Netherlands

Verified active. Stichting Cadeaukaart Enschede holds a Dutch e-money licence (reference R192789) issued by De Nederlandsche Bank.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA R100148

Stichting Dimence Groep

Small EMI · Netherlands

Verified active. Stichting Dimence Groep holds a current Dutch e-money licence, R100148, issued by De Nederlandsche Bank in 11 October 2019.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA R104103

Stichting Nationale Platenbon/CD-BON/NATIONALE PLATENBON & CD-BON/PLATEN & CD-BON/STEP/DE ENTERTAINMENT KADO-BON/De Nationale Entertainmentbon/ENTERTAINMENT GIFTCARD/ENTERTAINMENTBON/ENTERTAINMENTCARD/MUZIEK 10 DAAGSE/NATIONALE DVD & CD BON/NATIONALE ENT…

Small EMI · Netherlands

Verified active. Stichting Nationale Platenbon holds a current Dutch e-money licence R104103 issued by De Nederlandsche Bank on 19 February 2019.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA R206671

Strikkie Gifting B.V.

Small EMI · Netherlands

Verified active, Strikkie Gifting B.V. holds a Dutch e-money licence with reference R206671, granted 23 September 2026.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA R166600

Collective#12/Matter & Mettle/SF/Collective

Small EMI · Netherlands

Verified active. Sustainable Fashion Gift Card B.V. operates under the Small EMI licence R166600 from De Nederlandsche Bank.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 48601

Telenor Sverige AB

Small EMI · Sweden

Verified active. Telenor Sverige AB holds a current Swedish e-money licence, reference 48601, from the Swedish Financial Supervisory Authority.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA LB000257

Telia Lietuva, AB

Small EMI · Lithuania

Verified active. Telia Lietuva, AB is a small electronic money institution authorized by the Bank of Lithuania under reference LB000257.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 29014794

TelidooPay s.r.o.

Small EMI · Czech Republic

Verified active. TelidooPay s.r.o. holds a current Czech e-money licence granted by the Czech National Bank.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 901081

The Minted App Ltd

Small EMI · United Kingdom

Verified active. The MINTED APP LTD has a Small EMI licence (901081) granted by Financial Conduct Authority in United Kingdom.

  • Cross-border reachDomestic
  • Service scopeSpecialist
  • Reader rating2.0
Active
VerifiedFCA 06504698

The Unicornex Group s.r.o.

Small EMI · Czech Republic

Verified active. The Unicornex Group s.r.o. holds a current Czech e-money licence under reference 06504698.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 892117409

KyzPay

Small EMI · France

Verified active. TMLC, trading as KyzPay, holds a current French e-money licence issued on 7 April 2022 by the Autorité de Contrôle Prudentiel et de Résolution.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 27984169

Trendsales ApS

Small EMI · Denmark

Verified active. Trendsales ApS holds a Danish small electronic money licence that authorises money remittance; issuance of electronic money; issuing payment instruments and acquiring payment transactions; safeguarding of customer funds.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA LB000255

UAB ,,Antigravity Payment Systems"

Small EMI · Lithuania

Verified active. UAB ANTIGRAVITY PAYMENT SYSTEMS holds a Lithuanian small e-money licence issued by the Bank of Lithuania.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA LB000254

UAB "Bitė Lietuva"

Small EMI · Lithuania

Verified active. UAB "Bitė Lietuva" holds a Small EMI licence (LB000254) issued by the Bank of Lithuania.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA LB000422

UAB „Elektroninių pinigų bitė“

Small EMI · Lithuania

Verified active. UAB „Elektroninių pinigų bitė" holds a Small EMI licence from the Bank of Lithuania, reference LB000422.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA LB000409

UAB "Mobilieji mokėjimai"

Small EMI · Lithuania

Verified active. UAB Mobilieji mokėjimai holds a current Lithuanian e-money licence (LB000409) granted by the Bank of Lithuania.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA LB002095

UAB "NS Pay"

Small EMI · Lithuania

Verified active. UAB "NS Pay" holds a licensed Small EMI licence from the Bank of Lithuania, reference LB002095.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA LB000253

UAB "Tele2"

Small EMI · Lithuania

Verified active. UAB TELE2 holds a Lithuanian small electronic money institution licence. The licence authorises safeguarding of customer funds.

  • Cross-border reachDomestic
  • Service scopeFull-service
Active
VerifiedFCA 05903084

WAYFORPAY s.r.o.

Small EMI · Czech Republic

Verified active. WAYFORPAY s.r.o. holds a Small EMI licence (05903084) issued by the Czech National Bank on 21 November 2017.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA R163139

Wonderbox Cadeaukaarten B.V.

Small EMI · Netherlands

Verified active. Wonderbox Cadeaukaarten B.V. holds a current Dutch e-money licence R163139, granted by De Nederlandsche Bank on 18 October 2019.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA R179765

Wonderbox Giftcard B.V.

Small EMI · Netherlands

Verified active. Wonderbox Giftcard B.V. holds a current Dutch Small EMI licence from De Nederlandsche Bank.

  • 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.