VerifiedFCA IENM211
A1 Hrvatska d.o.o.
Small EMI · Croatia
Verified active. A1 Hrvatska d.o.o. holds a current Croatian e-money licence granted by the Croatian National Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
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 R136266
Alternatieve Kadobon B.V.
Small EMI · Netherlands
Verified active. Alternatieve Kadobon B.V. holds a current Dutch e-money licence issued by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeFull-service
Active
VerifiedFCA 05539323
ALTERNATIVE PAYMENT SOLUTIONS, s.r.o.
Small EMI · Czech Republic
Verified active. Alternative Payment Solutions, s.r.o. holds a current Czech e-money licence, cross-checked against the Czech National Bank's register.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900883
Aspire Payments limited
Small EMI · United Kingdom
Verified active. Aspire Payments limited, a UK Small EMI, is authorised by the FCA to safeguard customer funds and issue electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 901055
Azure Payments Ltd
Small EMI · United Kingdom
Verified active. Azure Payments Ltd holds a current UK small electronic money institution licence, authorised by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 932609
Babb Remit Ltd
Small EMI · United Kingdom
Verified active. Babb Remit Ltd holds a current UK small electronic money licence granted by the Financial Conduct Authority on 23 December 2021.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Active
VerifiedFCA 24236501
Bancibo, SE
Small EMI · Czech Republic
Verified active. BANCIBO, SE holds a current Czech National Bank Small EMI licence (reference 24236501).
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900933
Bedford Pay LTD
Small EMI · United Kingdom
Verified active. Bedford Pay LTD holds a small electronic money licence, authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA R182850
Biercheque B.V.
Small EMI · Netherlands
Verified active. Biercheque B.V. holds a Dutch small e-money licence under De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900693
Billon Financial Ltd
Small EMI · United Kingdom
Verified active. Billon Financial Ltd holds a current Small EMI licence from the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 27433279
Blocktech Oy
Small EMI · Finland
Verified active. Blocktech Oy holds a current Finnish Small EMI licence (reference 27433279) as recorded by the Finnish Financial Supervisory Authority.
- Cross-border reachDomestic
- Service scopeFull-service
Active
VerifiedFCA 22947713
BookIT International Oy
Small EMI · Finland
Verified active. BookIT International Oy is a small electronic money institution in Finland.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA R182940
Brouwer Vos Payments B.V.
Small EMI · Netherlands
Verified active. Brouwer Vos Payments B.V. holds a current Dutch small EMI licence. The licence is granted by De Nederlandsche Bank and authorises issuance of payment instruments and acquisition of payment transactions.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R195386
CCV International B.V./Codata
Small EMI · Netherlands
Verified active: CCV International B.V./Codata holds a Small EMI licence R195386 from De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R203770
Chirp B.V.
Small EMI · Netherlands
Verified active. Chirp B.V. holds a small electronic money licence. It is authorised to issue payment instruments, acquire transactions, issue money, execute account payments, and safeguard funds.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 938488
Crossbeam Financial Services Ltd
Small EMI · United Kingdom
Verified active. Crossbeam Financial Services Ltd holds a current United Kingdom small electronic money issuer licence from the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R181593
Admirror Nederland/Culinair Holding B.V./Culinair
Small EMI · Netherlands
Verified active. Culinair Holding B.V. is listed with a current Dutch e-money licence granted by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R188805
Qarma/Dappre B.V./Scoor voor je Club
Small EMI · Netherlands
Verified active. Dappre B.V. holds a current Dutch e-money licence from De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 05925096
DNA Oyj
Small EMI · Finland
Verified active. DNA Oyj holds a Finnish e-money licence that the register confirms as of the latest cross-check.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA R135007
Verified active. Ease2pay B.V. holds a current Dutch e-money licence with De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA R199074
EasyPay B.V.
Small EMI · Netherlands
Verified active. EasyPay B.V. holds a current Dutch e-money licence. It authorises safeguarding of customer funds and issuance of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 03838846
EDF PAYMENT SOLUTIONS s.r.o.
Small EMI · Czech Republic
Verified active, EDF PAYMENT SOLUTIONS s.r.o. holds a Czech electronic money licence, reference 03838846, governed by the Czech National Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 1035264
Embed Pay Ltd
Small EMI · United Kingdom
Verified active. EMBED PAY LTD holds a current UK Small e-money licence. The licence is authorised by the Financial Conduct Authority to safeguard customer funds and issue electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Active
VerifiedFCA 05371775
Fairplay Pay s.r.o., v likvidaci
Small EMI · Czech Republic
Verified active. Fairplay Pay s.r.o., v likvidaci holds a small electronic money institution licence from the Czech National Bank, granted 23 August 2017.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 933587
Fido Finance Limited
Small EMI · United Kingdom
Verified active. FIDO FINANCE LIMITED is a UK small electronic money institution licensed by the FCA under reference 933587.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900991
Finblocks Ltd
Small EMI · United Kingdom
Verified active. Finblocks Ltd holds a current UK e-money licence (FCA 900991). The licence authorises issuance of electronic money and safeguarding of customer funds.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900144
FinPayTech Ltd
Small EMI · United Kingdom
Verified active against the FCA Financial Services Register. FinPayTech Ltd holds a current Small EMI licence issued 2 May 2018, reference 900144.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Active
VerifiedFCA 900878
Finsei Ltd
Small EMI · United Kingdom
Verified active. FINSEI LTD operates a Small EMI licence (ref. 900878) granted by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900986
Fintech Valley Ltd
Small EMI · United Kingdom
Verified active. Fintech Valley Ltd holds a current small electronic money licence from the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB001891
FlorioFinance, UAB
Small EMI · Lithuania
Verified active. FlorioFinance, UAB holds a current licence from the Bank of Lithuania (LB001891).
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 05422248
FREEVISION s.r.o.
Small EMI · Czech Republic
Verified active. FREEVISION s.r.o. has a current licence from the Czech National Bank, licence reference 05422248.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 05642361
GLOBDATA a.s.
Small EMI · Czech Republic
Verified active. GLOBDATA a.s. holds a current Czech e-money licence granted 21 December 2017.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 27322034
GoGift.com A/S
Small EMI · Denmark
Verified active. GoGift.com A/S holds a Danish small electronic money licence, registered with the Financial Supervisory Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R162223
Event Store/Good4fun B.V.
Small EMI · Netherlands
Verified active. Good4fun B.V. holds a current Dutch e-money licence from De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900888
Guavapay Limited
Small EMI · United Kingdom
Verified active. Guavapay Limited holds a current UK e-money licence (ref 900888) authorised by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 33749732
Handelsforeningen i Vordingborg Kommune FMBA
Small EMI · Denmark
Verified active. Handelsforeningen i Vordingborg Kommune FMBA holds a current Danish e-money licence granted by the Danish Financial Supervisory 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.