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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 900483

Settlego Solutions Limited

EMI · United Kingdom

Verified active. SETTLEGO SOLUTIONS LIMITED, licensed by the Financial Conduct Authority under EMI licence 900483, holds a current UK licence.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 995073064

Settle Group AS

EMI · Norway

Verified active. Settle Group AS holds a current Norwegian e-money licence. The licence authorises the company to execute payment transactions on a payment account.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.8

Active

VerifiedFCA LB002063

Sezzle Lithuania, UAB

EMI · Lithuania

Verified active. Sezzle Lithuania, UAB is licensed under reference LB002063 by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.7

Active

VerifiedFCA 1012490

SGM - Foreign Exchange Limited

EMI · United Kingdom

Verified active. SGM - FOREIGN EXCHANGE LIMITED is listed on the Financial Conduct Authority register as a UK electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 939202

Shout 2020 Limited

Small EMI · United Kingdom

Verified active. Shout 2020 Limited presently holds a current UK e-money licence issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900990

Shrap Ltd

Small EMI · United Kingdom

Verified active. Shrap Ltd holds a current UK e-money licence (reference 900990) issued by the FCA on 15 July 2019.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 44103125067

Andele Mandele

Small EMI · Latvia

Verified active. SIA 'Andele Mandele PAY' (trading name Andele Mandele) is a Small EMI licensed by the Bank of Latvia.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003812282

Dāvanu karte

Small EMI · Latvia

Verified active. SIA 'Dāvanu karte', trading as Dāvanu karte, holds a small EMI licence from the Bank of Latvia.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40103794693

Dukascopy Payments

EMI · Latvia

Verified active. SIA Dukascopy Payments holds a current Latvian e-money licence (reference 40103794693) issued by the Bank of Latvia.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.6

Active

VerifiedFCA 50203643321

GR8 money

EMI · Latvia

Verified active. SIA GR8 PAY holds licence 50203643321 from Bank of Latvia, granted 10 December 2025.

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

Active

VerifiedFCA 53603046151

FromMe

Small EMI · Latvia

Verified active. FromMe holds a Latvian small e-money licence from the Bank of Latvia. The licence authorises issuance of electronic money and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 44103143397

Mintos Payments

EMI · Latvia

Verified active. SIA Mintos Payments, trading as Mintos Payments, holds a Latvian EMI licence from Bank of Latvia, reference 44103143397.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40203665454

Moneliq

EMI · Latvia

Verified active. SIA "MONELIQ EUROPE" trades as MONELIQ and holds a current licence from the Bank of Latvia (reference 40203665454).

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 40203610348

Pace FS

EMI · Latvia

Verified active. SIA PACE FS, trading as PACE FS, holds a Latvian electronic money licence from Bank of Latvia.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.3

Active

VerifiedFCA 40003242671

Paybanco

Small EMI · Latvia

Verified active. Paybanco, a Latvian small electronic money institution, holds a licence granted 28 October 2011.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40203574742

SIA "Paytegra"

EMI · Latvia

Verified active. SIA Paytegra holds an electronic money institution licence from the Bank of Latvia.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40003979933

Rīgas Karte

Small EMI · Latvia

Verified active. SIA 'RĪGAS KARTE', trading as RĪGAS KARTE, holds a small electronic money licence from the Bank of Latvia.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 40203411426

xpate

EMI · Latvia

Verified active. SIA xpate, trading as xpate, holds a Latvian e-money licence from the Bank of Latvia, reference 40203411426.

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

Active

VerifiedFCA 902018

Sibilla Solutions Limited

EMI · United Kingdom

Verified defunct. Sibilla Solutions Limited was a UK EMI under FCA regulation, licence reference 902018.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.16

Profee

EMI · Cyprus

Verified active. SIBILLA SOLUTIONS LIMITED, trading as PROFEE, holds Cyprus electronic money licence 115.1.3.16 issued by the Bank of Cyprus.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.7

Active

VerifiedFCA 6729

Silbo Money Ede, S.L.

EMI · Spain

Verified active. SILBO MONEY EDE, S.L. holds a Spanish e-money licence from the Banco de España.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901011

Silicon Silk Ltd

Small EMI · United Kingdom

Verified active. Silicon Silk Ltd holds a current Small EMI licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 942055

Silverbird Global Limited

EMI · United Kingdom

Verified defunct. Silverbird Global Limited was authorized as a UK electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902044

Simplepay London Ltd

Small EMI · United Kingdom

Verified active. Simplepay London Ltd holds a current UK small EMI licence 902044 from the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 46552723

SKPAY, a. s.

EMI · Slovakia

Verified active. SKPAY, a. s. holds a current Slovak e-money licence under the National Bank of Slovakia.

Cross-border reachRegional
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 900001

Skrill Limited

EMI · United Kingdom

Verified active. Skrill Limited holds a UK electronic money licence (ref 900001) issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 115.1.3.42

SLIQ PAYMENTS LTD (formerly named: (i) Zing Payments Ltd, (ii) GAP Vassilopoulos International E-commerce Network Ltd)

EMI · Cyprus

Verified active. SLIQ PAYMENTS LTD, a Cyprus entity, holds a current electronic money institution licence issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA 934739

Smart Fintech Limited

EMI · United Kingdom

Verified defunct. Smart Fintech Limited held licence reference 934739 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900873

Smartflow Payments Limited

EMI · United Kingdom

Verified active. SMARTFLOW PAYMENTS LIMITED holds a current UK electronic money institution licence (reference 900873) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900068

Smartphone Money Limited

Small EMI · United Kingdom

Verified withdrawn. Smartphone Money Limited is a UK Small EMI whose licence, reference 900068, is issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA 45568

Smart Refill i Helsingborg AB

EMI · Sweden

Verified active. Smart Refill i Helsingborg AB has a Swedish e-money licence (reference 45568) from the Swedish Financial Supervisory Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 20460178

Smartum Oy

Small EMI · Finland

Verified active. Smartum Oy holds a current Finnish e-money licence under the Finnish Financial Supervisory Authority.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900007

Smart Voucher Limited

EMI · United Kingdom

Verified defunct. Smart Voucher Limited was an authorised electronic money institution under the Financial Conduct Authority in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 24807842

SMSVYSLEDKY s.r.o.

Small EMI · Czech Republic

Verified active. SMSVYSLEDKY s.r.o. holds a current Czech small electronic money institution licence.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900686

SnapSwap International S.A.

EMI · United Kingdom

Verified defunct. SnapSwap International S.A. held a UK EMI licence, reference 900686, as recorded by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900598

Société Financière du Porte-Monnaie Electronique Interbancaire

EMI · United Kingdom

Verified defunct. Société Financière du Porte-Monnaie Electronique Interbancaire held a UK EMI licence previously.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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.