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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

809 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All Active Defunct Withdrawn Inactive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 901082

UKFX Holdings Ltd

EMI · United Kingdom

Verified active. UKFX Holdings Ltd holds a current UK e - money licence issued by the Financial Conduct Authority, authorising distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating1.0

Active

VerifiedFCA C74150

Uniongoldenpay Ltd

EMI · Malta

Verified active. UNIONGOLDENPAY LTD holds a current licence as an electronic money institution (C74150) from the Malta Financial Services Authority, granted 10 November 2017.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 03961561200

Unipolpay S.P.A.

EMI · Italy

Verified active. UNIPOLPAY S.P.A. holds a current Italian e-money licence under reference 03961561200 issued by Banca d'Italia.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 938000

Unison Global Markets (UGM) Ltd

EMI · United Kingdom

Verified active. Unison Global Markets (UGM) Ltd. holds an electronic money institution licence from the Financial Conduct Authority, reference 938000, granted 22 December 2021.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 7500

Universo, IME, S.A.

EMI · Portugal

Verified active. Universo, IME, S.A. holds a current Portuguese e money licence (reference 7500) issued by Banco de Portugal on 16 July 2015.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.7

Unlimit

EMI · Cyprus

Verified active. UNLIMIT EU LTD holds a current electronic money licence under reference 115.1.3.7 from the Central Bank of Cyprus.

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

Active

VerifiedFCA 978706

Unlimit UK Ltd

EMI · United Kingdom

Verified active. UNLIMIT UK LTD holds a current UK electronic money licence from the Financial Conduct Authority (reference 978706).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 6719

Unnax Reg Services Ede SL

EMI · Spain

Verified active. Licence 6719 from Banco de Espana authorises the entity, the entity's authorisation continues.

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

Active

VerifiedFCA 6709

UP Aganea Ede, S.A.

EMI · Spain

Verified active. UP AGANEA EDE, S.A. holds a current Spanish electronic money licence (type EMI) issued by Banco de Espana.

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

Active

VerifiedFCA 642044366

UP Coop

EMI · France

Verified active in France, where UP COOP holds licence 642044366 issued by the Autorite de Controle Prudentiel et de Resolution.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 951300169

UP Paiement

EMI · France

Verified active. UP PAIEMENT holds a French electronic money licence. The regulator listed is Autorite de Controle Prudentiel et de Resolution.

Cross-border reachRegional
Service scopeMulti-service

Active

VerifiedFCA C54426

Valletta Credit Finance Corporation Ltd.

EMI · Malta

Verified active. Valletta Credit Finance Corporation Ltd. is a Maltese electronic money institution under the Malta Financial Services Authority.

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

Active

VerifiedFCA LB000454

Valyuz, UAB

EMI · Lithuania

Verified active. Valyuz, UAB holds a current Lithuanian e-money licence granted on 29 March 2018 by the Bank of Lithuania.

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

Active

VerifiedFCA LB000446

Verified Payments, UAB

EMI · Lithuania

Verified active. Verified Payments UAB holds a current Lithuanian e-money licence LB000446 issued by the Bank of Lithuania.

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

Active

VerifiedFCA 901073

VertoFX Ltd

EMI · United Kingdom

Verified active. VertoFX Ltd holds a current United Kingdom e-money licence granted 11 March 2024, reference 901073, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 900530

VFX Financial PLC

EMI · United Kingdom

Verified active. VFX Financial PLC holds a current UK electronic money licence (LICENCE REF 900530).

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 1037693

Vinted Pay Limited

EMI · United Kingdom

Verified active, cross-checked against the FCA register. VINTED PAY LIMITED holds a current UK electronic money licence under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002214

Vinted Pay, UAB

EMI · Lithuania

Verified active. Vinted Pay, UAB holds a Bank of Lithuania electronic money licence. The licence authorises issuance of electronic money, safeguarding of customer funds, issuing payment instruments and acquiring payment transactions.

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

Active

VerifiedFCA 900893

Viola Money (Europe) Limited

EMI · United Kingdom

Verified active. Viola Money (Europe) Limited holds a FCA licence, cross checked against the FCA Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 918713867

Vipps Mobilepay AS

EMI · Norway

Verified active. Vipps Mobilepay AS holds a current Norwegian e-money licence, reference 918713867.

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

Active

VerifiedFCA 900646

Vitesse PSP Limited

EMI · United Kingdom

Verified active. Vitesse PSP Limited holds a current UK e-money licence (reference 900646) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 27919750

Viva Payment Services S.A. Magyarországi Fióktelepe

EMI · Hungary

Verified active. Viva Payment Services S.A. Magyarországi Fióktelepe holds a Hungarian e-money licence, reference 27919750, granted 3 August 2020 by the Magyar Nemzeti Bank.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 989273

Viva Wallet.Com Ltd

EMI · United Kingdom

Verified active. VIVA WALLET.COM LTD holds an EMI licence granted by the UK Financial Conduct Authority, reference 989273.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000015

Vivid Money S.A.

EMI · Luxembourg

Verified active. VIVID MONEY S.A. holds a current Luxembourg electronic-money licence, cross-checked against the Commission de Surveillance du Secteur Financier register.

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

Active

VerifiedFCA 982594

Volt Technologies Limited

EMI · United Kingdom

Verified active. Volt Technologies Limited holds a current UK electronic money licence under the FCA with reference 982594.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 124190

VR Payment GmbH

EMI · Germany

Verified active. VR Payment GmbH holds a electronic money licence, type EMI, issued by the Bundesanstalt fur Finanzdienstleistungsaufsicht, reference 124190.

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

Active

VerifiedFCA R128634

VVV Lekker & Weg Cadeaukaart/VVV Shop & Chill Cadeaukaart/VVV Eigen Ontwerp Cadeaukaart/VVV Cards B.V./vvvcadeaukaarten.nl/VVV cadeaukaarten/VVV Business/Cadeaukaart cadeau/5 star giftcard/5-sterren keuzecadeaukaart/5-sterren keuze cadeaukaart

Small EMI · Netherlands

Verified active. VVV Cards B.V. holds a current Dutch e-money licence from De Nederlandsche Bank, reference R128634, granted 19 February 2019.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 932839

W1TTY Global Ltd

EMI · United Kingdom

Verified active. W1TTY Global Ltd holds a current UK e-money licence granted by the Financial Conduct Authority under reference 932839.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 05021910

W.A.G. Issuing Services, a.s.

EMI · Czech Republic

Verified active. W.A.G. Issuing Services, a.s. holds a Czech National Bank electronic money institution licence.

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

Active

VerifiedFCA W00000007

Wallee Europe S.A.

EMI · Luxembourg

Verified active. Wallee Europe S.A. holds a licence issued 23 August 2016 under reference W00000007 by Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA 1040163

Wallester UK Limited

EMI · United Kingdom

Verified active. Wallester UK Limited holds a current Financial Conduct Authority e-money licence (reference 1040163).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000450

Wallter UAB

EMI · Lithuania

Verified active, as confirmed by the latest cross - check of the Bank of Lithuania register.

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

Active

VerifiedFCA 33680559

Wamo Solutions Oy

EMI · Finland

Verified active. Wamo Solutions Oy holds licence 33680559 from the Finnish Financial Supervisory Authority.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.7

Active

VerifiedFCA 450932710

Wari Pay

EMI · France

Verified active. WARI PAY holds a current French e-money licence (reference 450932710) authorised by the Autorite de Controle Prudentiel et de Resolution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 05903084

WAYFORPAY s.r.o.

Small EMI · Czech Republic

Verified active. WAYFORPAY s.r.o. holds a Small EMI licence (05903084) issued by the Czech National Bank on 21 November 2017.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 935764

Weavepay Limited

EMI · United Kingdom

Verified active continuously. WEAVEPAY LIMITED holds a current UK e-money licence (FCA reference 935764) to serve customers throughout the United Kingdom globally.

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.