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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

322 institutions · active · with passporting

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All Active Defunct Withdrawn Inactive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 C188493

Coinbase Ireland Limited

EMI · Ireland

Verified active.

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

Active

VerifiedFCA LB000252

Contomobile UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 265389

Cornèr Europe AG

EMI · Liechtenstein

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.7

Active

VerifiedFCA LB000449

Corporate Services UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA 800995166

COSMOTE PAYMENTS

EMI · Greece

Verified active as of the latest Hellenic Capital Market Commission register cross-check.

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

Active

VerifiedFCA W000000019

CPS Europe S.A.

EMI · Luxembourg

Verified active.

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

Active

VerifiedFCA 115.1.3.2

CSC EUROPE LIMITED (former name: CSC24Seven.com Limited)

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 6716

CURRENCIES DIRECT SPAIN

EMI · Spain

Licence confirmed against the Banco de España register.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.8

Active

VerifiedFCA R142701

Currencycloud B.V.

EMI · Netherlands

Verified active.

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

Active

VerifiedFCA C471225

Currenxie Technologies Limited

EMI · Ireland

Verified active.

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

Active

VerifiedFCA LB002003

Curve Europe, UAB

EMI · Lithuania

Verified active.

Cross-border reachRegional
Service scopeFull-service
Reader rating4.7

Active

VerifiedFCA 948264163

DEBLOCK

EMI · France

Verified active as at the last cross-check against the Autorité de Contrôle Prudentiel et de Résolution register.

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

Active

VerifiedFCA C491504

Decta Limited

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.6

Active

VerifiedFCA 115.1.3.54

DECTA LIMITED

EMI · Cyprus

Verified active as of the last cross-check against the Cyprus Securities and Exchange Commission register.

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

Active

VerifiedFCA LB002037

Demivolt, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 8640084000

DINARO družba za izdajo elektronskega denarja in plačilne storitve, d. o. o.

EMI · Slovenia

Verified active against the Bank of Slovenia register.

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

Active

VerifiedFCA LB002009

DiPocket, UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA C77538

DLOCAL LIMITED

EMI · Malta

Verified active.

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

Active

VerifiedFCA W00000011

Dock Financial S.A.

EMI · Luxembourg

Verified active.

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

Active

VerifiedFCA 207682

DOCOMO Digital Payment Services AG

EMI · Liechtenstein

Verified active.

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

Active

VerifiedFCA W00000020

dtcpay Luxembourg S.A.

EMI · Luxembourg

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA LB001960

E4F Money UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA 115.1.3.20

EcommBX Limited

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 115.1.3.56

ECREDO LIMITED

EMI · Cyprus

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.5

Active

VerifiedFCA C95957

Pecan Expense

EMI · Ireland

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA C55558

EM@NEY P.L.C.

EMI · Malta

Verified active.

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

Active

VerifiedFCA C64728

EMP SYSTEMS LIMITED

EMI · Malta

Verified active.

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

Active

VerifiedFCA 14897511003

ENEL X FINANCIAL SERVICES S.R.L.

EMI · Italy

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating2.0

Active

VerifiedFCA 29925023

Enfuce License Services Oy

EMI · Finland

Verified active.

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

Active

VerifiedFCA C68611

EPG FINANCIAL SERVICES LIMITED

EMI · Malta

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating4.7

Active

VerifiedFCA 115.1.3.32

Trademark (brandname): MAP-E-PAY

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA IEN113

Erste Card Club d.o.o.

EMI · Croatia

Verified active as of the last cross-check against the Croatian Financial Services Supervisory Agency register.

Cross-border reachRegional
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 997457056

Espos Norge AS

EMI · Norway

Verified active.

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

Active

VerifiedFCA LB001874

Etapay UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA C97952

eToro Money Malta Limited

EMI · Malta

Verified active as at the latest register cross-check.

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

Active

VerifiedFCA 39729482

Eurodollar ApS

EMI · Denmark

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
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.