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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

801 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All Active Defunct Withdrawn Inactive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 LB001894

UAB “Nuvei”

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000432

UAB "PanPay Europe"

EMI · Lithuania

Verified active as at the last cross-check against Bank of Lithuania records.

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

Active

VerifiedFCA LB001994

UAB "PAYRNET"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000480

UAB "PAYTEND EUROPE"

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA LB000248

UAB „Perlas Finance“

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000426

UAB "Pervesk"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000477

UAB "PHOENIX PAYMENTS"

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA LB000464

UAB „Pyrros Lithuania“

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000491

UAB "Rebellion Fintech Services"

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000448

UAB SatchelPay

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.6

Active

VerifiedFCA LB001940

UAB "Settek"

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000437

UAB "Seven Seas Europe"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB001875

UAB „Silvergate LT“

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.5

Active

VerifiedFCA LB000500

UAB „SONECT Europe“

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating2.6

Active

VerifiedFCA LB001935

UAB "Speedyteller"

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002039

UAB STANHOPE FINANCIAL

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000253

UAB "TELE2"

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA LB000463

UAB TeslaPay

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000461

UAB "TransferGo Lithuania"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB001966

UAB Travel Union

EMI · Lithuania

Verified active as at the last cross-check against the Bank of Lithuania register.

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

Active

VerifiedFCA LB000421

UAB "Vialet"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000452

UAB „Walletto“

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000457

UAB ZEN.COM

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA R139472

Uber Payments B.V.

EMI · Netherlands

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.0

Active

VerifiedFCA 959722

Uber Payments UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901002

UK First Fintech Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 902028

UKForex Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901082

UKFX Holdings Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating1.0

Active

VerifiedFCA C74150

UNIONGOLDENPAY LTD

EMI · Malta

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 03961561200

UNIPOLPAY S.P.A.

EMI · Italy

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 938000

Unison Global Markets (UGM) Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 7500

Universo, IME, S.A.

EMI · Portugal

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.7

UNLIMIT

EMI · Cyprus

Verified active as at the last register cross-check.

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

Active

VerifiedFCA 978706

UNLIMIT UK LTD

EMI · United Kingdom

Verified active against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 6719

UNNAX REG SERVICES EDE SL

EMI · Spain

Verified active against the Banco de Espana register.

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

Active

VerifiedFCA 6709

UP AGANEA EDE, S.A.

EMI · Spain

Licence confirmed against Banco de Espana's EMI register.

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.