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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 900706

Tor Currency Exchange Limited

EMI · United Kingdom

Verified active. Tor Currency Exchange Limited holds a current e-money licence granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1042638

Torus Financial Limited

EMI · United Kingdom

Verified active. TORUS FINANCIAL LIMITED holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 12511320967

Tppay S.P.A.

EMI · Italy

Verified active. TPPAY S.R.L. holds an Italian e-money licence under Banca d'Italia (ref. 12511320967).

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000443

Transactive Systems, UAB

EMI · Lithuania

Verified active. Transactive Systems, UAB holds a Lithuanian e-money licence from the Bank of Lithuania (reference LB000443).

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA C 91879

Transact Payments Malta Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA 900405

Transactworld Limited

EMI · United Kingdom

Verified active. Transactworld Limited holds a current licence from the Financial Conduct Authority as an e-money institution under reference 900405, granted on 28 March 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 991295

Transfergo Ltd

EMI · United Kingdom

Verified active. Transfergo Ltd holds an EMI licence from the FCA (991295) as of 22 January 2024.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 942346

Transferra Un Limited

EMI · United Kingdom

Verified active. Transferra Un Limited holds a current United Kingdom e-money licence (FCA, reference 942346) granted 20 December 2021.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 963951

Transwap Technologies (UK) Limited

EMI · United Kingdom

Verified active. TRANSWAP TECHNOLOGIES (UK) LIMITED holds a current UK e-money licence from the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 05560772

Travel a la carte a.s.

EMI · Czech Republic

Verified active. Travel a la carte a.s., reference 05560772, is licensed by the Czech National Bank as an electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900537

Travelex Europe Limited

EMI · United Kingdom

Verified active. Travelex Europe Limited holds a current UK e-money licence from the Financial Conduct Authority (FCA) under reference 900537.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 807465059

Treezor SAS

EMI · France

Verified active. Treezor SAS holds licence 807465059, granted 21 June 2016, by Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA 27984169

Trendsales ApS

Small EMI · Denmark

Verified active. Trendsales ApS holds a Danish small electronic money licence that authorises money remittance; issuance of electronic money; issuing payment instruments and acquiring payment transactions; safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901096

TrueLayer Limited

EMI · United Kingdom

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

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA C 96757

Trumia Ltd

EMI · Malta

Verified active. Trumia Ltd holds a Malta e-money licence C 96757, issued by the Malta Financial Services Authority on 29 May 2023.

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

Active

VerifiedFCA LB000438

Trustcom Financial UAB

EMI · Lithuania

Verified active. TRUSTCOM FINANCIAL UAB holds a Lithuanian e-money licence, reference LB000438, granted 21 December 2017.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 1024492

Trustie Technology Limited

EMI · United Kingdom

Verified active. TRUSTIE TECHNOLOGY LIMITED holds a UK electronic money licence authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating1.0

Active

VerifiedFCA LB000255

UAB ,,Antigravity Payment Systems"

Small EMI · Lithuania

Verified active. UAB ANTIGRAVITY PAYMENT SYSTEMS holds a Lithuanian small e-money licence issued by the Bank of Lithuania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000489

UAB Aspora Europe

EMI · Lithuania

Verified active. UAB Hokodo, trading as HOKODO, holds a Lithuanian electronic money institution licence under the Bank of Lithuania.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA LB002020

UAB B4B Payments Europe

EMI · Lithuania

Verified active. UAB B4B Payments Europe holds a current Lithuanian e-money licence, facilitating cross-border payments.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000254

UAB "Bitė Lietuva"

Small EMI · Lithuania

Verified active. UAB "Bitė Lietuva" holds a Small EMI licence (LB000254) issued by the Bank of Lithuania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002168

Blue EMI LT

EMI · Lithuania

Verified active. UAB BLUE EMI LT holds a Lithuanian e-money licence (LB002168) authorised by the Bank of Lithuania.

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

Active

VerifiedFCA LB002079

UAB "BW System OU"

EMI · Lithuania

Verified active. UAB "BW SYSTEM OU" holds licence LB002079 issued by the Bank of Lithuania, as recorded in the national register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000440

UAB "ConnectPay"

EMI · Lithuania

Verified active. UAB ConnectPay holds a current Lithuanian e-money licence issued by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeFull-service
Reader rating3.8

Active

VerifiedFCA LB002122

Drusvalas

EMI · Lithuania

Verified active. UAB 'DRUSVALAS', trading as DRUSVALAS, holds a current Lithuanian EMI licence under LB002122 issued by Bank of Lithuania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB001941

UAB "DV Payment"

EMI · Lithuania

Verified active. UAB "DV Payment" holds a current Lithuanian e-money licence LB001941 issued by the Bank of Lithuania.

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

Active

VerifiedFCA LB000417

UAB "Elektroninių mokėjimų agentūra"

EMI · Lithuania

Verified active. UAB 'Elektroninių mokėjimų agentūra' holds a current Lithuanian e-money licence.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002088

UAB „Elektroninių pinigų bitė“

EMI · Lithuania

Verified active. UAB „Elektroninių pinigų bitė" holds a current Lithuanian EMI licence. The Bank of Lithuania authorised the entity under reference LB002088.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000422

UAB „Elektroninių pinigų bitė“

Small EMI · Lithuania

Verified active. UAB „Elektroninių pinigų bitė" holds a Small EMI licence from the Bank of Lithuania, reference LB000422.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB001911

UAB "epayblock"

EMI · Lithuania

Verified active. UAB "epayblock" holds a current licence from the Bank of Lithuania, reference LB001911.

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

Active

VerifiedFCA LB001896

UAB "Finansinės paslaugos "Contis"

EMI · Lithuania

Verified active. UAB "Finansinės paslaugos Contis" holds a current licence granted by the Bank of Lithuania under reference LB001896.

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

Active

VerifiedFCA LB000490

UAB "Finolita Unio"

EMI · Lithuania

Verified active. UAB Finolita Unio holds a current Lithuanian e-money licence issued by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.3

Active

VerifiedFCA LB000431

UAB "Glocash Payment"

EMI · Lithuania

Verified active. UAB "Glocash Payment" holds a Lithuanian e-money licence with reference LB000431 issued on 21 November 2017 by the Bank of Lithuania.

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

Active

VerifiedFCA LB001929

UAB Guru Pay

EMI · Lithuania

Verified active. UAB Guru Pay holds a Lithuanian e-money licence granted 25 November 2019.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000468

UAB "International Payment Union"

EMI · Lithuania

Verified active. UAB 'International Payment Union' holds a current Lithuanian electronic money licence (LB000468) issued by the Bank of Lithuania.

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

Active

VerifiedFCA LB002061

UAB „Lux International Payment System“

EMI · Lithuania

Verified active. UAB „Lux International Payment System" holds an e-money licence (LB002061) issued by the Bank of Lithuania on 18 February 2021.

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

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.