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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

156 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All Active Defunct Withdrawn Inactive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 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 900096

Univoucher Limited

Small EMI · United Kingdom

Status as at the last register cross-check: defunct. Univoucher Limited holds a UK Small EMI licence granted by the Financial Conduct Authority, authorised to safeguard customer funds and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900101

Uniware Systems Limiited

Small EMI · United Kingdom

Verified defunct; Uniware Systems Limited was a small electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900885

Unlimint EU Ltd

Small EMI · United Kingdom

Verified defunct. Unlimint EU Ltd holds a UK small electronic money institution licence with the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Defunct

VerifiedFCA R128634

VVV Lekker & Weg Cadeaukaart/VVV Shop & Chill Cadeaukaart/VVV Eigen Ontwerp Cadeaukaart/VVV Cards B.V./vvvcadeaukaarten.nl/VVV cadeaukaarten/VVV Business/Cadeaukaart cadeau/5 star giftcard/5-sterren keuzecadeaukaart/5-sterren keuze cadeaukaart

Small EMI · Netherlands

Verified active. VVV Cards B.V. holds a current Dutch e-money licence from De Nederlandsche Bank, reference R128634, granted 19 February 2019.

Cross-border reachDomestic
Service scopeSpecialist

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

VerifiedFCA R130844

Ximedes B.V./Magna Carta Chipcard Technology/Magna Carta/Magna Carta Chipcard Solutions/Chess iX

Small EMI · Netherlands

Verified active. Ximedes B.V. holds a current Dutch e-money licence from De Nederlandsche Bank, reference R130844, granted 19 February 2019.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA R131231

XLNT Operations B.V.

Small EMI · Netherlands

Verified active. XLNT Operations B.V. holds a Dutch small electronic money licence, reference R131231, issued 19 February 2019 under De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 900139

Yoyo Wallet Ltd

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register. Yoyo Wallet Ltd held a Small EMI licence under reference 900139.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R202368

Ypsilon EMI Services B.V.

Small EMI · Netherlands

Verified active. Ypsilon EMI Services B.V. holds a current Small EMI licence issued by De Nederlandsche Bank on 16 August 2026.

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.