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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

985 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All Active Defunct Withdrawn Inactive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 900093

MBNA Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA C 107685

MELLIFERA KARTIERA LIMITED

EMI · Malta

Verified active.

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

Active

VerifiedFCA 900554

Mercedes pay S.A

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA W00000003

Mercedes pay S.A.

EMI · Luxembourg

Verified active.

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

Active

VerifiedFCA 900858

Mercury Foreign Exchange Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 911052827

MERGE MONEY

EMI · France

Verified active.

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

Active

VerifiedFCA 959411

Meta Financial UK Limited

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R202009

Mews Financial Services B.V.

EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.34

MGL WALLET LIMITED

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA C64824

MIFINITY MALTA LIMITED

EMI · Malta

Verified active against the Malta Financial Services Authority register.

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

Active

VerifiedFCA 900090

MiFinity UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900704

MIR Limited UK Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 38292188

Mobilepay Denmark A/S

EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 29122108

MobilePay Finland Oy

EMI · Finland

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R135780

Mobyyou B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R182870

Modulr

EMI · Netherlands

Verified active.

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

Active

VerifiedFCA C191242

Modulr

EMI · Ireland

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900573

Modulr FS Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA F0038

Mollie B.V.

EMI · Netherlands

Verified active as at the last cross-check against De Nederlandsche Bank's register.

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

Active

VerifiedFCA 881431415

MON AMI POTO

EMI · France

Verified active as of the latest cross-check against the ACPR register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900579

Monark Finans AB

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901097

MONAVATE LTD

EMI · United Kingdom

Verified active as at the latest FCA register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R193672

Mondu Financial Services B.V.

EMI · Netherlands

Verified active as of the last cross-check against De Nederlandsche Bank's register.

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

Active

VerifiedFCA 901056

MONELIQ LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 16573117

Monemon AS

EMI · Estonia

Verified active.

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

Active

VerifiedFCA 5505121060

Monerium ehf.

EMI · Iceland

Verified active.

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

Active

VerifiedFCA 901045

Monerium EMI ehf

Small EMI · United Kingdom

Licence status: defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 5711100240

Monerium

EMI · Iceland

Verified active.

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

Active

VerifiedFCA 900188

Monese Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900960

MONESE LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900921

Monetley LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 998114

MONEX EUROPE LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C87193

MONEYBASE LIMITED

EMI · Malta

Verified active against the Malta Financial Services Authority register.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA C 112338

Money Blink Limited

EMI · Malta

Verified active as of the last cross-check against the Malta Financial Services Authority register.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA C71597

MONEY + CARD PAYMENT INSTITUTION LTD

EMI · Malta

Licence verified as current against the Malta Financial Services Authority register.

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

Active

VerifiedFCA C184118

Moneycorp

EMI · Ireland

Verified active.

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

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.