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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

35 institutions · Small EMI · defunct

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All Active Defunct Withdrawn Inactive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 900961

Authoripay Emoney Ltd

Small EMI · United Kingdom

Status as at the last register cross-check: defunct. Authoripay Emoney Ltd holds a UK Small EMI licence, reference 900961.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901059

Checkout SAS

Small EMI · United Kingdom

Verified defunct. Checkout SAS, a United Kingdom small electronic money institution, held register reference 901059 authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900696

Clear Junction Digital Limited

Small EMI · United Kingdom

Verified defunct. Clear Junction Digital Limited held a former small electronic money institution licence in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900109

Cloudzync Ltd

Small EMI · United Kingdom

Verified defunct. Cloudzync Ltd held a Small EMI licence, reference 900109, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900590

Comcarde Limited

Small EMI · United Kingdom

Verified defunct. Comcarde Limited was authorised by the FCA under licence reference 900590 as a small electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 936014

Conto Group Limited

Small EMI · United Kingdom

Verified defunct. Conto Group Limited was a Small EMI registered in the United Kingdom. It was authorised by the Financial Conduct Authority to safeguard customer funds and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900848

Disberse Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register. Disberse Limited holds - or held - a Small EMI licence under reference 900848.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900777

DLocal Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register. DLocal Limited held a Small EMI licence issued by the Financial Conduct Authority under reference 900777.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900703

Fidelix Limited

Small EMI · United Kingdom

Verified defunct. Fidelix Limited holds a Small EMI licence reference 900703 issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 936270

Frost Money Ltd

Small EMI · United Kingdom

Licence status as recorded: defunct. Frost Money Ltd held FCA authorisation under the small e-money institution framework.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900114

Givta Limited

Small EMI · United Kingdom

Verified defunct. Givta Limited holds a Small EMI licence (reference 900114) issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901014

Hryze Financial Services Limited

Small EMI · United Kingdom

Verified defunct. HRYZE FINANCIAL SERVICES LIMITED held a Small EMI licence (901014) from the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900795

ImpulsePay Ltd

Small EMI · United Kingdom

Verified defunct. ImpulsePay Ltd is a small electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900845

Jando International UK Limited

Small EMI · United Kingdom

Verified inactive: Jando International UK Limited holds a Small EMI licence issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902035

Little Starts Gift Vouchers Limited

Small EMI · United Kingdom

Verified defunct. Little Starts Gift Vouchers Limited was authorised by the Financial Conduct Authority under licence reference 902035 as a small e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900093

MBNA Limited

Small EMI · United Kingdom

Verified defunct. MBNA Limited, a UK small electronic money institution, was authorised by the Financial Conduct Authority, licence reference 900093.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA 900579

Monark Finans AB

Small EMI · United Kingdom

Verified defunct. Monark Finans AB held a small electronic money institution licence from the FCA under reference 900579.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901045

Monerium EMI ehf

Small EMI · United Kingdom

Verified defunct. Monerium EMI ehf, a Small EMI authorised by the Financial Conduct Authority (Licence reference 901045), was permitted to issue electronic money and safeguard customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900803

Moneyfold Ltd

Small EMI · United Kingdom

Verified defunct. Moneyfold Ltd holds a small e-money licence authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900555

Moorwand LTD

Small EMI · United Kingdom

Verified defunct. Moorwand LTD held a Small EMI licence (reference 900555) issued by the Financial Conduct Authority in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 932546

MTL Financial Limited

Small EMI · United Kingdom

Verified defunct. MTL Financial Limited held a small electronic money institution licence, reference 932546, issued by the UK Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900785

Paynetics AD

Small EMI · United Kingdom

Status as at the last register cross-check: defunct. Paynetics AD holds a Small EMI licence with the FCA, authorising safeguarding of customer funds and issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901075

Payoneer Europe Limited

Small EMI · United Kingdom

Verified defunct, Payoneer Europe Limited ceased operations under its small electronic money institution licence.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900133

Payxpert UK Ltd

Small EMI · United Kingdom

Status as at the last register cross-check: defunct. Payxpert UK Ltd is a UK small e-money institution authorised by the Financial Conduct Authority under licence reference 900133.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902045

Pecunia Cards Ede, S.L.U.

Small EMI · United Kingdom

Verified defunct, PECUNIA CARDS EDE, S.L.U. held a Small EMI licence under reference 902045 issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 953987

People Places Lives Limited

Small EMI · United Kingdom

Verified defunct. People Places Lives Limited was a Small Electronic Money Institution authorised by the Financial Conduct Authority, reference 953987.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902068

QuartzPay Limited

Small EMI · United Kingdom

Verified defunct. QuartzPay Limited held a Small EMI licence from the Financial Conduct Authority, reference 902068.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900841

Sabstone Ltd

Small EMI · United Kingdom

Verified defunct. Sabstone Ltd holds a UK small EMI licence 900841, yet the register marks it defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900048

Squidcard Limited

Small EMI · United Kingdom

Verified defunct. Squidcard Limited was a small electronic money institution authorised by the Financial Conduct Authority under reference 900048.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900967

Stork Group Ltd

Small EMI · United Kingdom

Verified defunct, Stork Group Ltd holds a Small EMI licence from the FCA, reference 900967.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900968

Sureswipe E.M.I. PLC

Small EMI · United Kingdom

Verified defunct. Sureswipe E.M.I. PLC holds a UK small electronic money licence under the FCA, reference 900968.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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 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

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.