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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 901004

TEAPAYMENT LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900035

Telefonica Financial Services UK Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 5014018000

Telekom Slovenije, d. d.

EMI · Slovenia

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 48601

Telenor Sverige AB

Small EMI · Sweden

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 14070851002

TELEPASS PAY S.P.A.

EMI · Italy

Verified active against the Banca d'Italia register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 09771701001

TELEPASS S.P.A.

EMI · Italy

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000257

Telia Lietuva, AB

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 29014794

TelidooPay s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 1024627

TELLEROO LIMITED

EMI · United Kingdom

Verified active as at the last FCA cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1030641

TENORA FINANCIAL SOLUTIONS LIMITED

EMI · United Kingdom

Verified active as at the last FCA register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 252199

TenX Payments Europe AG

EMI · Liechtenstein

Licence confirmed against the Liechtenstein Financial Market Authority register.

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

Active

VerifiedFCA 12693460961

TERRA PAYMENT SERVICES (ITALY) S.R.L.

EMI · Italy

Verified active against the Banca d'Italia register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900645

Teya Rewards Ltd.

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 978181

Teya Solutions Ltd.

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.52

TFI ECOMMPAY LTD

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 900755

The ai Corporation Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900199

The Currency Cloud Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900204

The Foremost Currency Group Limited

EMI · United Kingdom

Licence verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901081

THE MINTED APP LTD

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 28135261

ThePay, a.s.

EMI · Czech Republic

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 901084

THE PAYMENT FIRM LTD

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902012

The Real Asset Co

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 06504698

The Unicornex Group s.r.o.

Small EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900033

Think Money Limited

EMI · United Kingdom

Licence verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900843

Tide Platform Limited

EMI · United Kingdom

Verified active against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 40203344731

Sabiedrība ar ierobežotu atbildību

EMI · Latvia

Verified active as at the last cross-check.

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

Active

VerifiedFCA R185924

Tipalti B.V.

EMI · Netherlands

Verified active against De Nederlandsche Bank.

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

Active

VerifiedFCA 942778

Tipalti Europe Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 892117409

KyzPay

Small EMI · France

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900049

Tola Mobile Limited

EMI · United Kingdom

Licence status withdrawn as of the last FCA cross-check.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Authorisation withdrawn

VerifiedFCA 931509

Tompay Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 800759225

TORA WALLET SINGLE-MEMBER S.A.

EMI · Greece

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating4.1

Active

VerifiedFCA 900706

Tor Currency Exchange Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1042638

TORUS FINANCIAL LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 12511320967

TPPAY S.R.L.

EMI · Italy

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900538

Transact24 (UK) Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

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.