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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

325 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All Active Defunct Withdrawn Inactive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 827802737

Cnova Pay

EMI · France

Verified active. CNOVA PAY holds a current French e -money licence. The licence is authorised by Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA C188493

Coinbase Ireland Limited

EMI · Ireland

Verified active. Coinbase Ireland Limited holds an active EMI licence C188493 issued by the Central Bank of Ireland.

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. Cornèr Europe AG holds a current Liechtenstein e-money licence (ref 265389).

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

Active

VerifiedFCA LB000449

Corporate Services UAB

EMI · Lithuania

Verified active. Corporate Services UAB holds a current Lithuanian electronic money licence (LB000449) authorised by the Bank of Lithuania.

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

Active

VerifiedFCA W000000019

CPS Europe S.A.

EMI · Luxembourg

Verified active. CPS Europe S.A. holds a current Luxembourg e-money licence (W000000019). The licence was granted by the Commission de Surveillance du Secteur Financier on 16 December 2024.

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. CSC EUROPE LIMITED holds a Cyprus e-money licence (ref 115.1.3.2). The licence was granted on 26 July 2018.

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

Active

VerifiedFCA 6716

Currencies Direct Spain

EMI · Spain

Verified active. CURRENCIES DIRECT SPAIN holds a Spanish e-money licence granted 24 October 2019.

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

Active

VerifiedFCA R142701

Currencycloud B.V.

EMI · Netherlands

Verified active. Currencycloud B.V. holds a current Dutch e-money licence from De Nederlandsche Bank, reference R142701.

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

Active

VerifiedFCA C471225

Currenxie Technologies Limited

EMI · Ireland

Verified active. Currenxie Technologies Limited holds a current licence from the Central Bank of Ireland.

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

Active

VerifiedFCA LB002003

Curve Europe, UAB

EMI · Lithuania

Verified active. Curve Europe, UAB holds a current Lithuanian e-money licence.

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

Active

VerifiedFCA 948264163

Deblock

EMI · France

Verified active. DEBLOCK holds a current French e-money licence, granted on 23 November 2023 by Autorite de Controle Prudentiel et de Resolution.

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

Active

VerifiedFCA C491504

Decta Limited

EMI · Ireland

Verified active. Decta Limited holds an Irish e-money licence from the Central Bank of Ireland.

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

Active

VerifiedFCA 115.1.3.54

Decta Limited

EMI · Cyprus

Verified active. DECTA LIMITED holds a current Cyprus e-money licence issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA LB002037

Demivolt, UAB

EMI · Lithuania

Verified active. Demivolt, UAB holds a current Lithuanian electronic money licence. The Bank of Lithuania authorised Demivolt to safeguard customer funds and execute payment transactions on a payment account.

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

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

Active

VerifiedFCA LB002009

DiPocket, UAB

EMI · Lithuania

Verified active. DiPocket UAB holds a current Lithuanian electronic money licence (LB002009) issued by the Bank of Lithuania.

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

Active

VerifiedFCA C77538

Dlocal Limited

EMI · Malta

Verified active. DLOCAL LIMITED holds a Malta e-money licence (C77538) granted by the Malta Financial Services Authority.

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

Active

VerifiedFCA W00000011

Dock Financial S.A.

EMI · Luxembourg

Verified active. Dock Financial S.A. holds a current Luxembourg electronic money licence under reference W00000011, issued by the Commission de Surveillance du Secteur Financier on 27 March 2019.

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

Active

VerifiedFCA 207682

DOCOMO Digital Payment Services AG

EMI · Liechtenstein

Verified active. DOCOMO Digital Payment Services AG holds a current Liechtenstein e-money licence registered with the Liechtenstein Financial Market Authority.

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

Active

VerifiedFCA W00000020

dtcpay Luxembourg S.A.

EMI · Luxembourg

Verified active. dtcpay Luxembourg S.A. holds a current Luxembourg e-money licence from the Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA LB001960

E4F Money UAB

EMI · Lithuania

Verified active. E4F Money UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania.

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

Active

VerifiedFCA 115.1.3.20

EcommBX Limited

EMI · Cyprus

Verified active. EcommBX Limited holds a current Cypriot electronic money licence. The licence authorises issuance of electronic money, account information services, cash withdrawal on a payment account, and execution of payment transactions.

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

Active

VerifiedFCA 115.1.3.56

Ecredo Limited

EMI · Cyprus

Verified active. ECREDO LIMITED holds a Cyprus electronic money licence issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA C95957

Pecan Expense

EMI · Ireland

Verified active. EML Money DAC, trading as Pecan Expense, holds a licence granted on 11 July 2018 by the Central Bank of Ireland.

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

Active

VerifiedFCA C55558

Em@ney P.L.C.

EMI · Malta

Verified active. EM@NEY P.L.C. holds a Maltese e-money licence (C55558) issued by the Malta Financial Services Authority on 4 April 2013.

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

Active

VerifiedFCA C64728

Emp Systems Limited

EMI · Malta

Verified active. EMP SYSTEMS LIMITED holds a current Maltese electronic money institution licence (C64728) granted 3 June 2015 by the Malta Financial Services Authority.

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

Active

VerifiedFCA 14897511003

Enel X Financial Services S.R.L.

EMI · Italy

Verified active. ENEL X FINANCIAL SERVICES S.R.L. has a licence recorded by Banca d'Italia.

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

Active

VerifiedFCA 29925023

Enfuce License Services Oy

EMI · Finland

Verified active. Enfuce License Services Oy is a money institution authorised under licence reference 29925023 by the Finnish Financial Supervisory Authority.

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

Active

VerifiedFCA C68611

Epg Financial Services Limited

EMI · Malta

Verified active. EPG FINANCIAL SERVICES LIMITED holds a current Maltese e-money licence C68611.

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. EPMAP LIMITED, trading as MAP-E-PAY, holds a licence type EMI from the Central Bank of Cyprus reference 115.1.3.32.

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

Active

VerifiedFCA IEN113

Erste Card Club d.o.o.

EMI · Croatia

Verified active. Erste Card Club d.o.o. holds a current Croatian e-money licence (IEN113).

Cross-border reachRegional
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 997457056

Espos Norge AS

EMI · Norway

Verified active. Espos Norge AS holds a current Norwegian e-money licence, reference 997457056, granted 8 August 2016.

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

Active

VerifiedFCA LB001874

Etapay UAB

EMI · Lithuania

Verified active. Etapay UAB, licence reference LB001874, is a Lithuanian electronic money institution authorised by the Bank of Lithuania.

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

Active

VerifiedFCA C97952

eToro Money Malta Limited

EMI · Malta

Verified active. eToro Money Malta Limited holds an e-money licence (C97952) authorised by the Malta Financial Services Authority.

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

Active

VerifiedFCA 39729482

Eurodollar ApS

EMI · Denmark

Verified active. Eurodollar ApS is licensed by the Danish Financial Supervisory Authority under reference 39729482.

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.