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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 900935

Pleo Financial Services A/S

EMI · United Kingdom

Verified defunct. Pleo Financial Services A/S is a United Kingdom-registered electronic money institution under the Financial Conduct Authority, licence reference 900935.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 1020730

Pleo Financial Services UK Ltd

EMI · United Kingdom

Verified active. PLEO FINANCIAL SERVICES UK LTD holds an electronic money licence under the UK Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 32669139

Pliant Oy

EMI · Finland

Verified active. Pliant Oy holds a current Finnish e-money licence, reference 32669139, authorised by the Finnish Financial Supervisory Authority.

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

Active

VerifiedFCA 1041998

Pliant Payments Limited

EMI · United Kingdom

Verified active. PLIANT PAYMENTS LIMITED holds a licence granted 5 October 2026 under reference 1041998, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1023776

Plum Fintech Payments Limited

EMI · United Kingdom

Verified active as of the latest FCA Financial Services Register cross-check. Plum Fintech Payments Limited holds a current electronic money institution licence issued by the Financial Conduct Authority under reference 1023776.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 32561945

PlusID Oy

Small EMI · Finland

Verified active. PlusID Oy holds a current Finnish e-money licence issued by the Finnish Financial Supervisory Authority.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 25220683

Plzeňské městské dopravní podniky, a.s.

Small EMI · Czech Republic

Verified active. Plzeňské městské dopravní podniky, a.s. holds a small e-money licence granted on 25 September 2012 by the Czech National Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900855

Pockit Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register. POCKIT LIMITED holds licence reference 900855 as an authorised electronic money institution under United Kingdom regulation.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 928018

Pomelo Group Ltd

EMI · United Kingdom

Verified active. Pomelo Group Ltd holds a current UK electronic money licence, authorised by the Financial Conduct Authority under reference 928018.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 06874351007

Postepay S.P.A.

EMI · Italy

Verified active. POSTEPAY S.P.A. holds a current Italian electronic money licence, Ref 06874351007, granted by Banca d'Italia on 26 September 2018.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900041

PPPay Limited

Small EMI · United Kingdom

Verified withdrawn. PPPay Limited held a former Financial Conduct Authority small electronic money institution licence (reference 900041).

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 900029

PPRO Financial Limited

EMI · United Kingdom

Verified active. PPRO Financial Limited holds a current UK electronic money licence (reference 900029) authorised for distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 0712775202

PPS EU

EMI · Belgium

Verified active. PPS EU holds a licence granted 23 July 2019 by the National Bank of Belgium.

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

Active

VerifiedFCA 901061

Practika Finance Ltd

EMI · United Kingdom

Verified active. PRACTIKA FINANCE LTD holds a current United Kingdom e-money licence. The authorisation covers issuance of electronic money, distribution and redemption of electronic money, and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R130567

WinkelCheque/Winkel Cheque/Beauty & Fashion cadeaukaart/Lees Cadeau/LeesCadeau/Premium Concepts B.V./Fashion Giftcard/FashionGiftcard.nl/BuurtCadeau

Small EMI · Netherlands

Verified active. Premium Concepts B.V. holds a current Dutch e-money licence. The authorisation permits issuance of electronic money and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900036

Prepaid Financial Services Limited

EMI · United Kingdom

Verified active. Prepaid Financial Services Limited holds a current UK e-money licence referenced 900036.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900021

Prepaid Services Company Limited

EMI · United Kingdom

Verified active. Prepaid Services Company Limited is an Electronic Money Institution licensed by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 02980461

Prepaid Solutions a.s.

Small EMI · Czech Republic

Verified active. Prepaid Solutions a.s. holds a current Czech e-money licence (Small EMI, reference 02980461) authorised by the Czech National Bank to issue electronic money and safeguard customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900010

Prepay Technologies Ltd

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register. Prepay Technologies Ltd holds licence 900010, an electronic money institution authorised on 31 May 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R196968

Privalgo B.V.

EMI · Netherlands

Verified active. Privalgo B.V. holds a Dutch e-money licence R196968 authorised by De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeMulti-service

Authorisation withdrawn

VerifiedFCA 900887

Privalgo Limited

EMI · United Kingdom

Verified active. Privalgo Limited holds a current UK e-money licence under the Financial Conduct Authority, reference 900887, granted 22 November 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900989

Privat 3 Money Ltd

EMI · United Kingdom

Verified active. Privat 3 Money Ltd holds a UK e-money licence under reference 900989 issued by the Financial Conduct Authority on 4 March 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 04631447

Project collect s.r.o.

Small EMI · Czech Republic

Verified active. Project collect s.r.o. holds a Czech e-money licence under reference 04631447.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900894

Project Imagine Ltd

EMI · United Kingdom

Verified defunct. Project Imagine Ltd had a former British electronic money licence granted by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900011

PSI-Pay Ltd

EMI · United Kingdom

Verified active. PSI-Pay Ltd holds a current UK e-money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900984

Push Labs Limited

EMI · United Kingdom

Verified active. Push Labs Limited holds licence reference 900984 under the UK Financial Conduct Authority and was granted on 7 July 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R203793

Qivalis B.V.

EMI · Netherlands

Verified active. Qivalis B.V. holds a Dutch e-money licence issued by De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R186418

Quantoz Payments B.V.

EMI · Netherlands

Verified active. Quantoz Payments B.V. holds licence reference R186418 issued by De Nederlandsche Bank.

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

Active

VerifiedFCA 902068

QuartzPay Limited

Small EMI · United Kingdom

Verified defunct. QuartzPay Limited held a Small EMI licence from the Financial Conduct Authority, reference 902068.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.78

Quickpay Tech (CY) Ltd

EMI · Cyprus

Verified active. QUICKPAY TECH (CY) LTD holds a Cyprus electronic money licence issued by the Central Bank of Cyprus.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 4306023650

Rapyd

EMI · Iceland

Verified active. Rapyd Europe hf. holds a current Icelandic e-money licence granted 15 May 2012.

Cross-border reachPan-European
Service scopeFull-service
Reader rating3.0

Active

VerifiedFCA 5006830589

Rapyd Europe hf.

EMI · Iceland

Verified active. Rapyd Europe hf. holds a current Icelandic e-money licence granted 11 April 2023.

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

Active

VerifiedFCA 900688

Rapyd Payments Limited

EMI · United Kingdom

Verified active. Rapyd Payments Limited holds a current UK electronic money licence granted by the Financial Conduct Authority in 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 14174720962

Rebell S.P.A.

EMI · Italy

Verified active. REBELL S.P.A. holds an Italian e-money licence issued by Banca d'Italia, cross-checked against the national register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900897

Redbanx Limited

EMI · United Kingdom

Verified active. Redbanx Limited holds a current UK e-money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 108643

Reisebank AG

EMI · Germany

Verified active. Reisebank AG holds a current German e-money licence (Licence Ref. 108643) issued by the Bundesanstalt fur Finanzdienstleistungsaufsicht on 8 April 2021.

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.