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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

801 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All Active Defunct Withdrawn Inactive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 900647

SEACHANGE FINANCIAL SERVICES LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000412

„Secure Nordic Payments“, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 900475

Sedel Capital LLP

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 6705

SEFIDE, E.D.E., S.L.

EMI · Spain

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.8

Active

VerifiedFCA 932841

Sendspend Limited

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.18

SEPAGA E.M.I. LIMITED

EMI · Cyprus

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.6

Active

VerifiedFCA 900483

SETTLEGO SOLUTIONS LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 995073064

Settle Group AS

EMI · Norway

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.8

Active

VerifiedFCA LB002063

Sezzle Lithuania, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 1012490

SGM - FOREIGN EXCHANGE LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 939202

Shout 2020 Limited

Small EMI · United Kingdom

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

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900990

Shrap Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 44103125067

Andele Mandele

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003812282

Dāvanu karte

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40103794693

Dukascopy Payments

EMI · Latvia

Verified active.

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

Active

VerifiedFCA 50203643321

GR8 money

EMI · Latvia

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 53603046151

FromMe

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 44103143397

Mintos Payments

EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40203665454

MONELIQ

EMI · Latvia

Verified active.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 40203610348

PACE FS

EMI · Latvia

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.3

Active

VerifiedFCA 40003242671

Paybanco

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40203574742

SIA "Paytegra"

EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003979933

RĪGAS KARTE

Small EMI · Latvia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40203411426

xpate

EMI · Latvia

Verified active.

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

Active

VerifiedFCA 115.1.3.16

PROFEE

EMI · Cyprus

Verified active against the Cyprus Securities and Exchange Commission register.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.7

Active

VerifiedFCA 6729

SILBO MONEY EDE, S.L.

EMI · Spain

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901011

Silicon Silk Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 902044

Simplepay London Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 46552723

SKPAY, a. s.

EMI · Slovakia

Verified active.

Cross-border reachRegional
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 900001

Skrill Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 115.1.3.42

SLIQ PAYMENTS LTD (formerly named: (i) Zing Payments Ltd, (ii) GAP Vassilopoulos International E-commerce Network Ltd)

EMI · Cyprus

Verified active across the EEA.

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

Active

VerifiedFCA 900873

SMARTFLOW PAYMENTS LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 45568

Smart Refill i Helsingborg AB

EMI · Sweden

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 20460178

Smartum Oy

Small EMI · Finland

Verified active against the Finnish Financial Supervisory Authority register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 24807842

SMSVYSLEDKY s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 422721274

Société financière du porte-monnaie électronique interbancaire

EMI · France

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

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

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.