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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

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.

Licence:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

VerifiedFCA 898001672

Swile Payment

EMI · France

Verified active. SWILE PAYMENT has a current e-money licence, cross-checked against the Autorité de Contrôle Prudentiel et de Résolution register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 111248

Swiss Bankers Prepaid Services AG

EMI · Liechtenstein

Verified active. Swiss Bankers Prepaid Services AG holds a Liechtenstein e-money licence, reference 111248, granted 12 December 2012 by the LFM Authority.

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

Active

VerifiedFCA 932543

Syncom (UK) Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register. Syncom (UK) Limited holds current authorisation under licence reference 932543, issued 18 February 2021.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C51532

SYSPAY Limited

EMI · Malta

Verified active. SYSPAY Limited holds a current licence from the Malta Financial Services Authority, reference C51532.

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

Active

VerifiedFCA 901057

System Pay Services Ltd

EMI · United Kingdom

Verified active. SYSTEM PAY SERVICES LTD, based in the United Kingdom, has a current Financial Conduct Authority licence (901057).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C66961

System Pay Services (Malta) Limited

EMI · Malta

Verified active. System Pay Services (Malta) Limited holds a current Maltese e-money licence, reference C66961.

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

Active

VerifiedFCA 59248

Talkremit AB

EMI · Sweden

Verified active. Talkremit AB holds a current Swedish e-money licence, reference 59248, granted 23 July 2021.

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

Active

VerifiedFCA 900825

TalkRemit Ltd

EMI · United Kingdom

Verified active. TalkRemit Ltd holds a current licence from the Financial Conduct Authority under reference 900825.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 300345

Tantum AG

EMI · Liechtenstein

Verified active. Tantum AG holds a current Liechtenstein e-money licence (reference 300345) as recorded in the Liechtenstein Financial Market Authority register.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 900842

Taptap Send UK Limited

EMI · United Kingdom

Verified active. Taptap Send UK Limited holds a current UK electronic money licence, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901004

Teapayment Ltd

EMI · United Kingdom

Verified active. TEAPAYMENT LTD holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 800995166

COSMOTE PAYMENTS / Telekom Payments / T Payments

EMI · Greece

Verified active. TELEKOM PAYMENTS - ELECTRONIC MONEY SERVICES SINGLE MEMBER S.A. holds a current Bank of Greece licence (800995166).

Cross-border reachRegional
Service scopeFull-service
Reader rating4.5

Active

VerifiedFCA 5014018000

Telekom Slovenije, d. d.

EMI · Slovenia

Verified active. Telekom Slovenije, d. d. holds a current Slovenian electronic money licence, authorised by the Bank of Slovenia under reference 5014018000.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 48601

Telenor Sverige AB

Small EMI · Sweden

Verified active. Telenor Sverige AB holds a current Swedish e-money licence, reference 48601, from the Swedish Financial Supervisory Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 14070851002

Telepass Pay S.P.A.

EMI · Italy

Verified active. TELEPASS PAY S.P.A. holds a current Italian e-money licence granted by Banca d'Italia.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 09771701001

Telepass S.P.A.

EMI · Italy

Verified active. TELEPASS S.P.A. holds a current Italian e-money licence issued by Banca d'Italia.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000257

Telia Lietuva, AB

Small EMI · Lithuania

Verified active. Telia Lietuva, AB is a small electronic money institution authorized by the Bank of Lithuania under reference LB000257.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 29014794

TelidooPay s.r.o.

Small EMI · Czech Republic

Verified active. TelidooPay s.r.o. holds a current Czech e-money licence granted by the Czech National Bank.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 1024627

Telleroo Limited

EMI · United Kingdom

Verified active. Telleroo Limited holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1030641

Tenora Financial Solutions Limited

EMI · United Kingdom

Verified active. TENORA FINANCIAL SOLUTIONS LIMITED holds a UK Financial Conduct Authority EMI licence (reference 1030641).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 252199

TenX Payments Europe AG

EMI · Liechtenstein

Verified active. TenX Payments Europe AG holds a current Liechtenstein e-money licence (reference 252199).

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

Active

VerifiedFCA 12693460961

Terra Payment Services (Italy) S.R.L.

EMI · Italy

Verified active. TERRA PAYMENT SERVICES (ITALY) S.R.L. holds the Italian electronic money licence reference 12693460961 authorised by Banca d'Italia.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 978181

Teya Solutions Ltd.

EMI · United Kingdom

Verified active. Teya Solutions Ltd. holds a current UK electronic money licence with the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.52

Tfi Ecommpay Ltd

EMI · Cyprus

Verified active. TFI ECOMMPAY LTD holds a Cypriot e-money licence authorised by the Central Bank of Cyprus.

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

Active

VerifiedFCA 900199

The Currency Cloud Limited

EMI · United Kingdom

Verified active. The Currency Cloud Limited is authorised as an electronic money institution in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901081

The Minted App Ltd

Small EMI · United Kingdom

Verified active. The MINTED APP LTD has a Small EMI licence (901081) granted by Financial Conduct Authority in United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 28135261

ThePay, a.s.

EMI · Czech Republic

Verified active. ThePay, a.s. holds a Czech National Bank licence for issuance of electronic money and safeguarding of customer funds.

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

Active

VerifiedFCA 06504698

The Unicornex Group s.r.o.

Small EMI · Czech Republic

Verified active. The Unicornex Group s.r.o. holds a current Czech e-money licence under reference 06504698.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900033

Think Money Limited

EMI · United Kingdom

Verified active. Think Money Limited holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900843

Tide Platform Limited

EMI · United Kingdom

Verified active against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 40203344731

Sabiedrība ar ierobežotu atbildību

EMI · Latvia

Verified active. TigSiPay SIA, trading as Sabiedrība ar ierobežotu atbildību, holds a Latvian e-money licence from the Bank of Latvia.

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

Active

VerifiedFCA R185924

Tipalti B.V.

EMI · Netherlands

Verified active. Tipalti B.V. is an authorised electronic money institution in the Netherlands.

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

Active

VerifiedFCA 942778

Tipalti Europe Ltd

EMI · United Kingdom

Verified active. Tipalti Europe Ltd holds a current UK e-money licence registered with the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 892117409

KyzPay

Small EMI · France

Verified active. TMLC, trading as KyzPay, holds a current French e-money licence issued on 7 April 2022 by the Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 931509

Tompay Ltd

EMI · United Kingdom

Verified active. Tompay Ltd holds a current UK e-money licence from the FCA under reference 931509.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 800759225

Tora Wallet Single-Member S.A.

EMI · Greece

Verified active. TORA WALLET SINGLE-MEMBER S.A. holds a current licence issued by the Bank of Greece.

Cross-border reachRegional
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.