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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

985 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All Active Defunct Withdrawn Inactive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 900048

Squidcard Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 5272811301

STABILLON SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ (d. Billon Solutions spółka z ograniczoną odpowiedzialnością)

EMI · Poland

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C 109060

Stable mint Ltd

EMI · Malta

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C 104007

StablR Ltd

EMI · Malta

Verified active.

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

Active

VerifiedFCA R194234

Cardflow/Stadsie

Small EMI · Netherlands

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000023

Standard Chartered Luxembourg S.A.

EMI · Luxembourg

Verified active as at June 2026.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900026

Starbucks Card Europe Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 30925432

Steen & Strøm Centerservice A/S

Small EMI · Denmark

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 48004

Steven AB (previously Pei Development AB)

EMI · Sweden

Verified active.

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

Active

VerifiedFCA R192789

Stichting Cadeaukaart Enschede

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R100148

Stichting Dimence Groep

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R104103

Stichting Nationale Platenbon/CD-BON/NATIONALE PLATENBON & CD-BON/PLATEN & CD-BON/STEP/DE ENTERTAINMENT KADO-BON/De Nationale Entertainmentbon/ENTERTAINMENT GIFTCARD/ENTERTAINMENTBON/ENTERTAINMENTCARD/MUZIEK 10 DAAGSE/NATIONALE DVD & CD BON/NATIONALE ENT…

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900967

Stork Group Ltd

Small EMI · United Kingdom

Licence verified as at register cross-check: Stork Group Ltd holds a Small EMI licence issued by the Financial Conduct Authority under reference 900967.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 985867569

STREX PAYMENT AS

EMI · Norway

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900461

Stripe Payments UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA C187865

Stripe

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.7

Active

VerifiedFCA LB001900

SumUp EU Payments UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA C195030

SumUp

EMI · Ireland

Verified active.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900700

SumUp Payments Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.8

Active

VerifiedFCA 900942

Sunrate Partners UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900968

Sureswipe E.M.I. PLC

Small EMI · United Kingdom

Verified inactive.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.26

Sureswipe E.M.I. PLC (Tradename: Revsto)

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA R166600

SF/Collective/Slow Fashion Gift Card

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 853827103

SWAN

EMI · France

Verified active as of the last cross-check against the Autorite de Controle Prudentiel et de Resolution register.

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

Active

VerifiedFCA 900662

Swift Payment Technologies Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 898001672

SWILE PAYMENT

EMI · France

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 111248

Swiss Bankers Prepaid Services AG

EMI · Liechtenstein

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating5.0

Active

VerifiedFCA 901036

SYNC.MONEY UK LTD

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 932543

Syncom (UK) Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C51532

SYSPAY Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA 901057

SYSTEM PAY SERVICES LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C66961

System Pay Services (Malta) Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA 59248

Talkremit AB

EMI · Sweden

Verified active.

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

Active

VerifiedFCA 900825

TalkRemit Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 300345

Tantum AG

EMI · Liechtenstein

Verified active.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 900842

Taptap Send UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

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.