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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

995 institutions

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All Active Defunct Withdrawn Inactive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 1020783

Keel Money Ltd

EMI · United Kingdom

Verified active. Keel Money Ltd holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900914

Kitakami Limited

EMI · United Kingdom

Verified active. Kitakami Limited holds a current United Kingdom electronic money licence 900914 under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1021834

Klarna Financial Services UK Limited

EMI · United Kingdom

Verified active. KLARNA FINANCIAL SERVICES UK LIMITED holds a current licence granted on 28 July 2025 by the Financial Conduct Authority, reference 1021834.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA R131104

Klus Cadeau B.V.

Small EMI · Netherlands

Verified active. Klus Cadeau B.V. has a licence from De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C98080

Koala Money Limited

EMI · Malta

Verified active. Koala Money Limited holds a Malta e-money licence issued by the Malta Financial Services Authority.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002065

KogoPay UAB

EMI · Lithuania

Verified active. KogoPay UAB holds licence reference LB002065, licensed by the Bank of Lithuania on 4 March 2021.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA 900934

Koine Money Ltd

EMI · United Kingdom

Verified defunct. Koine Money Ltd was a UK electronic money institution authorised by the Financial Conduct Authority under licence 900934.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.30

Koronapay Europe Limited

EMI · Cyprus

Verified active. Koronapay Europe Limited holds the Cyprus electronic money licence 115.1.3.30.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 901067

Koronapay Europe Ltd

EMI · United Kingdom

Verified defunct. KORONAPAY EUROPE LTD, a UK-based electronic money institution, holds licence reference 901067 with the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 926498

KP Pay Limited

EMI · United Kingdom

Verified active. KP PAY LIMITED holds a current United Kingdom e-money licence. Its authorisation covers safeguarding of customer funds, issuance of electronic money and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 941009

Kuringo UK Limited

Small EMI · United Kingdom

Verified active. Kuringo UK Limited holds an active small e-money institution licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 32888032

Kvarn Capital Oy

Small EMI · Finland

Verified active. Kvarn Capital Oy holds a small e-money licence in Finland, granted by Finnish Financial Supervisory Authority on 10 November 2023 under reference 32888032.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.66

LA Orange CY Limited

EMI · Cyprus

Verified active. LA ORANGE CY LIMITED holds a current Cyprus e-money licence. The licence, reference number 115.1.3.66, is issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA 42457590

Larstal Denmark ApS

EMI · Denmark

Verified active. Larstal Denmark ApS holds a current Danish e-money licence as confirmed by the Danish Financial Supervisory Authority.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA 901001

Larstal Limited

EMI · United Kingdom

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

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 40103453692

LatCard

Small EMI · Latvia

Verified active. LatCard AS, trading as LatCard, holds a current Latvian small electronic money licence from the Bank of Latvia.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 50003050931

lmt

Small EMI · Latvia

Verified active. Latvijas Mobilais Telefons SIA, trading as lmt, holds a small EMI licence from the Bank of Latvia.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901074

Leatherback Ltd

EMI · United Kingdom

Verified active, Leatherback Ltd holds a current United Kingdom e-money licence 901074 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA W000000018

LianLian Europe S.A.

EMI · Luxembourg

Verified active. LianLian Europe S.A. holds a Luxembourg e-money licence, authorised by the Commission de Surveillance du Secteur Financier.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 08658331007

Lis Pay SPA

EMI · Italy

Verified active. LIS PAY SPA holds a current Italian e-money licence issued by Banca d'Italia.

Cross-border reachDomestic
Service scopeMulti-service

Active

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 R166611

Local Birds B.V.

Small EMI · Netherlands

Verified active. Local Birds B.V. is listed under a De Nederlandsche Bank-issued small EMI licence, reference R166611, granted 21 March 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900911

LQID Limited

EMI · United Kingdom

Verified defunct. LQID Limited held an Electronic Money Institution licence from the Financial Conduct Authority, reference 900911.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900904

Luminary Inc Finance Ltd

Small EMI · United Kingdom

Verified active. LUMINARY INC FINANCE LTD holds a current Small EMI licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C186257

Lumon

EMI · Ireland

Verified active. Lumon FX Europe Limited holds a current Irish electronic money licence. Its authorisation covers issuing payment instruments and acquiring payment transactions.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 902022

Lumon Pay Ltd

EMI · United Kingdom

Verified active. LUMON PAY LTD holds a current UK e-money licence under reference 902022, authorising safeguarding of customer funds, issuance of electronic money, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900929

Luxon Payments Limited

EMI · United Kingdom

Verified active. Luxon Payments Limited registered as an electronic money institution with the FCA (reference 900929) on 3 September 2019.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900153

Lycamoney Financial Services Ltd

EMI · United Kingdom

Active status: Lycamoney Financial Services Ltd holds a current United Kingdom electronic money licence (reference 900153) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 534479589

Lydia Solutions

EMI · France

Verified active. LYDIA SOLUTIONS holds a French e-money licence issued by the Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA 330623414

LYF

EMI · France

Verified active. LYF, registered in France, is authorised by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA 927556

Maayan Payments Ltd

EMI · United Kingdom

Verified active. MAAYAN PAYMENTS LTD is listed on the UK register as an electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 901017

Madfin Tech Ltd

EMI · United Kingdom

Verified active. MADFIN TECH LTD holds a current UK e-money licence (reference 901017) issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900125

Mangopay S.A.

EMI · United Kingdom

Verified defunct. Mangopay S.A. held a UK electronic money institution licence (900125) authorised by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA W00000005

Mangopay S.A.

EMI · Luxembourg

Verified active. MANGOPAY S.A. holds a Luxembourg e-money licence issued on 31 December 2012 by the Commission de Surveillance du Secteur Financier.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 984753

Mangopay U.K. Limited

EMI · United Kingdom

Verified active. MANGOPAY U.K. LIMITED is authorised by the UK Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1032863

Map E-Pay Solutions Limited

EMI · United Kingdom

Verified active. MAP E-PAY SOLUTIONS LIMITED holds a current UK e-money licence, authorised by the Financial Conduct 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.