VerifiedFCA 900001
Skrill Limited
EMI · United Kingdom
Verified active. Skrill Limited holds a UK electronic money licence (ref 900001) issued by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.1
Active
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.
VerifiedFCA 115.1.3.42
Verified active. SLIQ PAYMENTS LTD, a Cyprus entity, holds a current electronic money institution licence issued by the Central Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900873
Smartflow Payments Limited
EMI · United Kingdom
Verified active. SMARTFLOW PAYMENTS LIMITED holds a current UK electronic money institution licence (reference 900873) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 45568
Smart Refill i Helsingborg AB
EMI · Sweden
Verified active. Smart Refill i Helsingborg AB has a Swedish e-money licence (reference 45568) from the Swedish Financial Supervisory Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 20460178
Smartum Oy
Small EMI · Finland
Verified active. Smartum Oy holds a current Finnish e-money licence under the Finnish Financial Supervisory Authority.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 24807842
SMSVYSLEDKY s.r.o.
Small EMI · Czech Republic
Verified active. SMSVYSLEDKY s.r.o. holds a current Czech small electronic money institution licence.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 422721274
Verified active. Société financière du porte-monnaie électronique interbancaire is an electronic money institution authorised by Autorite de Controle Prudentiel et de Resolution.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA FR_ACPR!737174
Société Générale - Forge
EMI · France
Verified active. Société Générale - Forge holds a licence issued by the Autorité de Contrôle Prudentiel et de Résolution.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA C179925
Soldo
EMI · Ireland
Verified active. Soldo Financial Services Ireland Designated Activity Company, trading as Soldo, holds a current Central Bank of Ireland electronic money licence C179925.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.2
Active
VerifiedFCA 900459
Soldo Financial Services Ltd
EMI · United Kingdom
Verified active. Soldo Financial Services Ltd holds a current United Kingdom e-money licence (reference 900459) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 115.1.3.58
Solid Processing Limited
EMI · Cyprus
Verified active. SOLID PROCESSING LIMITED holds a current Cypriot e-money licence (Licence reference 115.1.3.58).
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.2
Active
VerifiedFCA 931540
Spend LTD.
EMI · United Kingdom
Verified active. SPEND LTD. holds a current UK e-money licence issued by the FCA - licence reference 931540.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900846
Squareup Europe Ltd
EMI · United Kingdom
Verified active. Squareup Europe Ltd holds a UK e-money licence (900846) authorised by the Financial Conduct Authority to issue electronic money, distribute and redeem it, and safeguard customer funds.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.9
Active
VerifiedFCA C184117
Square
EMI · Ireland
Verified active. Squareup International Limited, trading as Square, holds a current Irish electronic money licence under reference C184117.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.9
Active
VerifiedFCA 5272811301
Verified active status for STABILLON SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ (d. Billon Solutions spółka z ograniczoną odpowiedzialnością).
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA C 109060
Stable mint Ltd
EMI · Malta
Verified active. Stable mint Ltd, under licence C 109060, is authorised by the Malta Financial Services Authority to safeguard customer funds and issue electronic money.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA C 104007
StablR Ltd
EMI · Malta
Verified active. StablR Ltd holds a current Malta e-money licence, reference C 104007, granted on 21 June 2024 by the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.9
Active
VerifiedFCA R194234
Cardflow/Stadsie
Small EMI · Netherlands
Verified active. Stadsie B.V. holds a small electronic money institution licence, reference R194234, granted by the De Nederlandsche Bank on 31 March 2025.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA W00000023
Standard Chartered Luxembourg S.A.
EMI · Luxembourg
Verified active. Standard Chartered Luxembourg S.A. holds licence W00000023 from the Commission de Surveillance du Secteur Financier, issued 25 June 2026.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 30925432
Steen & Strøm Centerservice A/S
Small EMI · Denmark
Verified active. Steen & Strøm Centerservice A/S is a Danish small electronic money institution.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 48004
Steven AB (previously Pei Development AB)
EMI · Sweden
Verified active. Steven AB, trading as Steven AB (formerly Pei Development AB), holds a Swedish EMI licence.
- Cross-border reachMulti-market
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA R192789
Stichting Cadeaukaart Enschede
Small EMI · Netherlands
Verified active. Stichting Cadeaukaart Enschede holds a Dutch e-money licence (reference R192789) issued by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R100148
Stichting Dimence Groep
Small EMI · Netherlands
Verified active. Stichting Dimence Groep holds a current Dutch e-money licence, R100148, issued by De Nederlandsche Bank in 11 October 2019.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R104103
Verified active. Stichting Nationale Platenbon holds a current Dutch e-money licence R104103 issued by De Nederlandsche Bank on 19 February 2019.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 985867569
Strex Payment AS
EMI · Norway
Verified active. STREX PAYMENT AS holds licence reference 985867569 with the Financial Supervisory Authority of Norway.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R206671
Strikkie Gifting B.V.
Small EMI · Netherlands
Verified active, Strikkie Gifting B.V. holds a Dutch e-money licence with reference R206671, granted 23 September 2026.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900461
Stripe Payments UK Limited
EMI · United Kingdom
Verified active. Stripe Payments UK Limited holds a current UK e money licence. Authorised to safeguard customer funds, distribute and redeem electronic money, and issue electronic money under FCA supervision.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.1
Active
VerifiedFCA C187865
Stripe
EMI · Ireland
Verified active. Stripe Technology Europe, Limited, trading as Stripe, holds a current EMI licence from the Central Bank of Ireland, reference C187865.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.7
Active
VerifiedFCA LB001900
SumUp EU Payments UAB
EMI · Lithuania
Verified active. SumUp EU Payments UAB holds a current Lithuanian e-money licence (LB001900) issued by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA C195030
SumUp
EMI · Ireland
Verified active. SumUp Limited holds a current Irish e-money licence (reference C195030) authorised by the Central Bank of Ireland.
- Cross-border reachMulti-market
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900700
SumUp Payments Limited
EMI · United Kingdom
Verified active. SumUp Payments Limited holds a current UK e-money licence, reference 900700, granted 1 May 2018 by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.8
Active
VerifiedFCA 900942
Sunrate Partners UK Limited
EMI · United Kingdom
Verified active: Sunrate Partners UK Limited holds a current UK e-money licence, authorising distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 115.1.3.26
Sureswipe E.M.I. PLC (Tradename: Revsto)
EMI · Cyprus
Verified active. Sureswipe E.M.I. PLC (Tradename: Revsto) holds a current Cypriot electronic money institution licence issued by the Central Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.6
Active
VerifiedFCA R166600
Collective#12/Matter & Mettle/SF/Collective
Small EMI · Netherlands
Verified active. Sustainable Fashion Gift Card B.V. operates under the Small EMI licence R166600 from De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 853827103
Swan
EMI · France
Verified active. SWAN holds licence reference 853827103 issued by the Autorite de Controle Prudentiel et de Resolution in France.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA 900662
Swift Payment Technologies Limited
EMI · United Kingdom
Verified active. Swift Payment Technologies Limited holds a current UK e-money licence (ref 900662) issued by the FCA.
- 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.