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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 900689

SETL Payments Limited

Small EMI · United Kingdom

Licence withdrawn.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 939202

Shout 2020 Limited

Small EMI · United Kingdom

Verified active as of the last FCA Financial Services Register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900990

Shrap Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 44103125067

Andele Mandele

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003812282

Dāvanu karte

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 53603046151

FromMe

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003242671

Paybanco

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003979933

RĪGAS KARTE

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901011

Silicon Silk Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 902044

Simplepay London Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900068

Smartphone Money Limited

Small EMI · United Kingdom

Verified withdrawn.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 20460178

Smartum Oy

Small EMI · Finland

Verified active against the Finnish Financial Supervisory Authority register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 24807842

SMSVYSLEDKY s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900048

Squidcard Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R194234

Cardflow/Stadsie

Small EMI · Netherlands

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 30925432

Steen & Strøm Centerservice A/S

Small EMI · Denmark

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R192789

Stichting Cadeaukaart Enschede

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R100148

Stichting Dimence Groep

Small EMI · Netherlands

Verified active.

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.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900967

Stork Group Ltd

Small EMI · United Kingdom

Licence verified as at register cross-check: Stork Group Ltd holds a Small EMI licence issued by the Financial Conduct Authority under reference 900967.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900968

Sureswipe E.M.I. PLC

Small EMI · United Kingdom

Verified inactive.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R166600

SF/Collective/Slow Fashion Gift Card

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 48601

Telenor Sverige AB

Small EMI · Sweden

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000257

Telia Lietuva, AB

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 29014794

TelidooPay s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901081

THE MINTED APP LTD

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 06504698

The Unicornex Group s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 892117409

KyzPay

Small EMI · France

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 27984169

Trendsales ApS

Small EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000255

UAB ,,ANTIGRAVITY PAYMENT SYSTEMS"

Small EMI · Lithuania

Verified active against the Bank of Lithuania register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901041

UAB Best Finance

Small EMI · United Kingdom

Licence withdrawn.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Authorisation withdrawn

VerifiedFCA LB000254

UAB "Bitė Lietuva"

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000422

UAB „Elektroninių pinigų bitė“

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000409

UAB "Mobilieji mokėjimai"

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002095

UAB "NS Pay"

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000253

UAB "TELE2"

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeFull-service

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.