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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 24226726

Netera Systems s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.15

NETinfoPAY Ltd (formerly Allpay Ltd)

EMI · Cyprus

Verified active against the Cyprus Securities and Exchange Commission register.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.6

Active

VerifiedFCA LB001967

Newrails, UAB

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900922

New Wave Capital Limited

EMI · United Kingdom

Verified active as at the last cross-check against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 122964

Nexi Germany GmbH

EMI · Germany

Verified active as of the last cross-check against the Bundesanstalt fur Finanzdienstleistungsaufsicht register.

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

Active

VerifiedFCA 04107060966

NEXI PAYMENTS S.P.A.

EMI · Italy

Verified active.

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

Active

VerifiedFCA LB000244

NEXTEDGE, UAB

EMI · Lithuania

Verified active as at the last cross-check.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.6

Active

VerifiedFCA LB001958

Nikulipe UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA R193543

Nium Europe B.V.

EMI · Netherlands

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

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C 98342

Nium Financial Services Malta Ltd

EMI · Malta

Verified active against the Malta Financial Services Authority register.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.5

Active

VerifiedFCA 901024

Nium Fintech Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900800

NIUM Payments UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900674

Nobel Financial Ltd

EMI · United Kingdom

Licence verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900045

Nochex Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA C458163

NoFrixion Limited

EMI · Ireland

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 920428959

NorgesGruppen Finans AS

EMI · Norway

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 50203650291

NorthernTech SIA

EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 920245676

Norwegian Block Exchange AS

EMI · Norway

Verified active.

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

Active

VerifiedFCA 900924

Noveba Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 15539261006

NUMIA S.P.A.

EMI · Italy

Verified active against Banca d'Italia's register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 994233

NUVEI FINANCIAL SERVICES LIMITED

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.9

Nuvei Limited (former name: SAFECHARGE LTD)

EMI · Cyprus

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.9

Active

VerifiedFCA 900005

Nvayo Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1043609

ODOLA LTD

EMI · United Kingdom

Verified active as of the latest cross-check against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C190174

OFX

EMI · Ireland

Verified active.

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

Active

VerifiedFCA R181680

ohmygood B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 890111776

Okali

EMI · France

Verified active.

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

Active

VerifiedFCA LB001991

Okeo Payments, UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901093

OMEGA BAAP LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900123

OMNIO EMI LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 901020

One Finance Britain Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900150

One Money Mail Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 916910436

OneSettle AS

EMI · Norway

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating5.0

Active

VerifiedFCA 900044

One Stop Money Manager Limited

EMI · United Kingdom

Licence verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.44

Onevault EEA Ltd (previous name: Capitallfin Ltd)

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 900178

Online Currency Corp Ltd

EMI · United Kingdom

Licence status verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

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.