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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 C 98895

Weavr (Europe) Ltd

EMI · Malta

Verified active. Weavr (Europe) Ltd holds a current Malta electronic money licence (C 98895) issued by the Malta Financial Services Authority.

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

Active

VerifiedFCA 901083

Wecollect (London) Limited

EMI · United Kingdom

Verified active. WECOLLECT (LONDON) LIMITED holds a current United Kingdom electronic money licence 901083 issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.3

WEEZZO LTD ( formely OKPAY CY LTD )

EMI · Cyprus

Verified active. WEEZZO LTD, formerly OKPAY CY LTD, holds a current electronic money institution licence issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA R142613

WEX Europe (Netherlands) B.V.

EMI · Netherlands

Verified active. WEX Europe (Netherlands) B.V. is an electronic money institution licensed by De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 433506433

W-HA

EMI · France

Verified active. W-HA, a French electronic money institution, is licensed by the Autorité de Contrôle Prudentiel et de Résolution under reference 433506433.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.5

Active

VerifiedFCA 900810

WireBloom LTD

EMI · United Kingdom

Verified active. WireBloom LTD holds a UK e-money licence issued by the FCA on 11 May 2018.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating1.0

Active

VerifiedFCA 902025

Wirex Limited

EMI · United Kingdom

Verified active. Wirex Limited holds a current UK e-money licence in the United Kingdom. The Financial Conduct Authority, as the regulator, confirmed the active EMI status.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900507

Wise Payments Limited

EMI · United Kingdom

Verified active. Wise Payments Limited holds a current UK e-money licence, reference 900507, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.8

Active

VerifiedFCA LB001873

Wittix, UAB

EMI · Lithuania

Verified active. Wittix UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania (reference LB001873).

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.5

Active

VerifiedFCA LB002046

Witty Global UAB

EMI · Lithuania

Verified active. Witty Global UAB holds a current Lithuanian e-money licence from the Bank of Lithuania.

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

Active

VerifiedFCA 31720705

Wolt License Services Oy

EMI · Finland

Verified active. Wolt License Services Oy holds a Finnish e-money licence under reference 31720705.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating4.0

Active

VerifiedFCA R163139

Wonderbox Cadeaukaarten B.V.

Small EMI · Netherlands

Verified active. Wonderbox Cadeaukaarten B.V. holds a current Dutch e-money licence R163139, granted by De Nederlandsche Bank on 18 October 2019.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R179765

Wonderbox Giftcard B.V.

Small EMI · Netherlands

Verified active. Wonderbox Giftcard B.V. holds a current Dutch Small EMI licence from De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R161090

World First Netherlands B.V./WorldFirst Nederland/WorldFirst Deutschland/WorldFirst België/WorldFirst France

EMI · Netherlands

Verified active. World First Netherlands B.V. holds a current Dutch e-money licence, granted by De Nederlandsche Bank on 16 April 2020.

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

Active

VerifiedFCA 900508

World First UK Limited

EMI · United Kingdom

Verified active. World First UK Limited holds a current United Kingdom e-money licence granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 0886476763

Worldline Financial Solutions NV SA

EMI · Belgium

Verified active. Worldline Financial Solutions NV SA holds a current Belgian e-money licence.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.6

Active

VerifiedFCA 1031413

Worldpay (UK) Limited

EMI · United Kingdom

Verified active: WORLDPAY (UK) LIMITED holds a current UK e-money licence (FMF-1031413) under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900891

WorldRemit Ltd

EMI · United Kingdom

Verified active. WorldRemit Ltd is a UK-based electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900536

WTUK Limited

EMI · United Kingdom

Verified active. WTUK Limited holds a current e-money licence from the FCA. The licence authorises safeguarding of customer funds, distribution and redemption of electronic money, and the issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 927212

Xchange Finance Limited

EMI · United Kingdom

Verified active. Xchange Finance Limited operates under the UK Financial Conduct Authority licence reference 927212.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R130844

Ximedes B.V./Magna Carta Chipcard Technology/Magna Carta/Magna Carta Chipcard Solutions/Chess iX

Small EMI · Netherlands

Verified active. Ximedes B.V. holds a current Dutch e-money licence from De Nederlandsche Bank, reference R130844, granted 19 February 2019.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA R131231

XLNT Operations B.V.

Small EMI · Netherlands

Verified active. XLNT Operations B.V. holds a Dutch small electronic money licence, reference R131231, issued 19 February 2019 under De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 901021

xpate ltd

EMI · United Kingdom

Verified active. xpate ltd holds a current UK e-money licence 901021 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 501586341

Xpollens

EMI · France

Verified active. XPOLLENS holds a French e-money licence (reference 501586341) authorised by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA 115.1.3.17

ISXPay / ISX Financial / Paidby / ISX Money / flykk

EMI · Cyprus

Verified active. XRYMA PLC holds a current Cypriot e-money licence (115.1.3.17) granted 9 July 2018.

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

Active

VerifiedFCA R194054

XTransfer B.V.

EMI · Netherlands

Verified active. XTransfer B.V. holds a Dutch e-money licence R194054 issued by De Nederlandsche Bank.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA R187462

XXImo Financial Services B.V.

EMI · Netherlands

Verified active. XXImo Financial Services B.V. holds a Dutch EMIs licence from De Nederlandsche Bank, reference R187462.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating4.5

Active

VerifiedFCA F0025

Yoursafe B.V./Bitsafe/Yoursafe Payments/Fromenty and Custard E-Commerce/Hushpay/Paynow/Yoursafe.nl/Verotel/BitSafePay/BitSafe Pay/BitSafe Payments/CardBilling/GayCharge/BitSafe Escrow/Verotel Merchant Services/Yourcash/Fund Me/Yourcard

EMI · Netherlands

Verified active. Yoursafe B.V. holds a current Dutch e-money licence. It authorises cash withdrawal and cash deposit services on payment accounts.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.3

Active

VerifiedFCA R202368

Ypsilon EMI Services B.V.

Small EMI · Netherlands

Verified active. Ypsilon EMI Services B.V. holds a current Small EMI licence issued by De Nederlandsche Bank on 16 August 2026.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 149040

Zalando Payments GmbH

EMI · Germany

Verified active. Zalando Payments GmbH holds a current German electronic money licence from the Bundesanstalt fur Finanzdienstleistungsaufsicht, cross-checked against the register.

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

Active

VerifiedFCA R194916

Zebedee Europe B.V.

EMI · Netherlands

Verified active. ZEBEDEE EUROPE B.V. holds a current Dutch e-money licence (R194916) from De Nederlandsche Bank.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA 1029940

Zeller UK Limited

EMI · United Kingdom

Verified active. Zeller UK Limited holds a current licence from the Financial Conduct Authority under reference 1029940, granted 23 December 2025.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1000019

Zen-Uk Limited

EMI · United Kingdom

Verified active. ZEN-UK LIMITED holds a current UK electronic money licence from the Financial Conduct Authority, reference 1000019.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R193684

zerohash europe

EMI · Netherlands

Verified active. Zerohash europe B.V. holds a current Dutch e-money licence.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 31477514

Zevoy Aktiebolag

EMI · Finland

Verified active. Zevoy Aktiebolag holds licence reference 31477514 granted on 5 October 2021 by the Finnish Financial Supervisory Authority.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating4.2

Active

VerifiedFCA 41950080

Ziglu Europe ApS

EMI · Denmark

Verified active. Ziglu Europe ApS holds a Danish e-money licence, authorising issuance of electronic money and safeguarding of customer funds.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating3.8

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.