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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

809 institutions · 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:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

VerifiedFCA C64824

Mifinity Malta Limited

EMI · Malta

Verified active. MIFINITY MALTA LIMITED holds a current Malta e-money licence with reference C64824.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 900090

MiFinity UK Limited

EMI · United Kingdom

Verified active; MiFinity UK Limited holds a UK electronic money licence, authorised by the Financial Conduct Authority under reference 900090.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900704

MIR Limited UK Ltd

EMI · United Kingdom

Verified active. MIR Limited UK Ltd holds a current UK e-money licence 900704 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 38292188

Mobilepay Denmark A/S

EMI · Denmark

Verified active. Mobilepay Denmark A/S holds a current Danish e-money licence (DK-38292188) granted on 1 September 2017.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 29122108

MobilePay Finland Oy

EMI · Finland

Verified active. MobilePay Finland Oy holds a current Finnish EMI licence, granted 15 November 2019.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R135780

Mobyyou B.V.

Small EMI · Netherlands

Verified active; Mobyyou B.V. holds a current Dutch e-money licence as of the last check. The licence authorises cash withdrawal services on a payment account, allowing customers to retrieve funds.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R182870

Modulr

EMI · Netherlands

Verified active. Modulr Finance B.V. holds a current Dutch e-money licence (R182870). It is authorised to execute payment transactions on a payment account.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA C191242

Modulr

EMI · Ireland

Verified active. Modulr FS Europe Limited holds an Irish e-money licence registered by the Central Bank of Ireland.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900573

Modulr FS Limited

EMI · United Kingdom

Verified active. Modulr FS Limited holds a current UK e-money licence as recorded by the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA F0038

Mollie B.V.

EMI · Netherlands

Verified active. Mollie B.V. holds a current Dutch e-money licence with De Nederlandsche Bank, reference F0038, granted 3 February 2025.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.0

Active

VerifiedFCA 881431415

Mon Ami Poto

EMI · France

Verified active. MON AMI POTO holds a French e - money licence from the Autorite de Controle Prudentiel et de Resolution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901097

Monavate Ltd

EMI · United Kingdom

Verified active. MONAVATE LTD holds a current UK e-money licence 901097, cross-checked against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R193672

Mondu Financial Services B.V.

EMI · Netherlands

Verified active. Mondu Financial Services B.V. holds a Dutch e-money licence R193672 issued by De Nederlandsche Bank.

Cross-border reachPan-European
Service scopeFull-service
Reader rating2.7

Active

VerifiedFCA 901056

Moneliq Ltd

EMI · United Kingdom

Verified active. MONELIQ LTD holds a current e-money licence issued by the Financial Conduct Authority under reference 901056.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 16573117

Monemon AS

EMI · Estonia

Verified active. Monemon AS holds a current Estonian e-money licence. The licence authorises safeguarding of customer funds and cash withdrawal services on payment accounts.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.9

Active

VerifiedFCA 5505121060

Monerium ehf.

EMI · Iceland

Verified active. Monerium ehf. holds a current Icelandic e-money licence under the Financial Supervisory Authority of Iceland.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 5711100240

Monerium

EMI · Iceland

Verified active. Licence confirmed against the Icelandic register. Monerium EMI ehf.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.6

Active

VerifiedFCA 900960

Monese Ltd

EMI · United Kingdom

Verified active. MONESE LTD holds a current UK e-money licence, cross-checked against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900921

Monetley LTD

EMI · United Kingdom

Verified active. Monetley LTD holds a current UK e-money licence number 900921 under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 998114

Monex Europe Limited

EMI · United Kingdom

Verified active. MONEX EUROPE LIMITED holds a current United Kingdom e-money licence (reference 998114) awarded on 20 December 2023.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C87193

Moneybase Limited

EMI · Malta

Verified active. MONEYBASE LIMITED holds a current Maltese e-money licence (C87193) from the Malta Financial Services Authority.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA C 112338

Money Blink Limited

EMI · Malta

Verified active, the entity holds a Maltese electronic money institution licence from the MFA.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA C71597

Money + Card Payment Institution Ltd

EMI · Malta

Verified active. The Malta-registered entity MONEY + CARD PAYMENT INSTITUTION LTD possesses a licence C71597 from the Malta Financial Services Authority.

Cross-border reachRegional
Service scopeMulti-service
Reader rating2.9

Active

VerifiedFCA C184118

Moneycorp

EMI · Ireland

Verified active. Moneycorp Technologies Limited, trading as Moneycorp, is a licensed electronic money institution (EMI) in Ireland as confirmed by a cross-check against the Central Bank of Ireland register (ref.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA 115.1.3.46

MONEYGATE SOLUTIONS LTD (former name: Realmode Services Limited)

EMI · Cyprus

Verified active. MONEYGATE SOLUTIONS LTD holds a current Cyprus e-money licence. The licence permits execution of payment transactions on a payment account.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900190

MoneyNetInt Ltd

EMI · United Kingdom

Verified active. MoneyNetInt Ltd holds a current UK Financial Conduct Authority electronic money licence.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900098

Moniepoint UK Ltd

EMI · United Kingdom

Verified active. MONIEPOINT UK LTD holds a current licence as an electronic money institution, cross-checked against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901012

Monitox Ltd

EMI · United Kingdom

Verified active. Monitox Ltd holds a current UK e-money licence (LIC 901012) granted 7 March 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 45062791

Monta Pay ApS

EMI · Denmark

Verified active. Monta Pay ApS holds a Danish e-money licence, reference 45062791, granted 8 April 2026 by the Danish Financial Supervisory Authority.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901069

Montify Ltd

EMI · United Kingdom

Verified active. MONTIFY LTD is an authorised electronic money institution under the FCA, licensed 901069.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 06529501006

Mooney S.P.A.

EMI · Italy

Verified active. MOoney S.P.A. holds a current Italian e-money licence issued by Banca d'Italia under reference 06529501006.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R198281

MoonPay Europe B.V.

EMI · Netherlands

Verified active. MoonPay Europe B.V. holds a Dutch e-money licence. The licence authorises distribution and redemption of electronic money.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 900709

Moorwand Ltd

EMI · United Kingdom

Verified active. Moorwand Ltd holds a current licence issued by the Financial Conduct Authority under reference 900709.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 24759023

MOPET CZ a.s. v likvidaci

EMI · Czech Republic

Verified active. MOPET CZ a.s. v likvidaci holds a current Czech e-money licence from the Czech National Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 792235061

Morning

EMI · France

Verified active. MORNING is authorised by the Autorité de Contrôle Prudentiel et de Résolution to issue electronic money.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 159024

Moss GmbH

EMI · Germany

Verified active. Moss GmbH holds a current German e-money licence, granted by the Bundesanstalt fur Finanzdienstleistungsaufsicht with reference 159024.

Cross-border reachDomestic
Service scopeMulti-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.