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Cross-checked against the FCA + EBA registers

Licensed EMIsSee verified EMIs

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:

AllEMISmall EMIExempted EMIPI

Status:

AllActiveDefunctWithdrawnInactive

Passporting:

AllWith EEA passport
VerifiedFCA 900977

Ziglu Limited

EMI · United Kingdom

Verified active. Ziglu Limited holds a current UK e-money licence (ref 900977) authorised by the Financial Conduct Authority.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 115.1.3.38

Zipp Europe Limited

EMI · Cyprus

Verified active. Zipp Europe Limited holds a Cyprus electronic money institution licence, reference 115.1.3.38.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 115.1.3.59

ZOLVAT LTD (Former name: Azzure Solutions (CY) Ltd)

EMI · Cyprus

Verified active. ZOLVAT LTD, formerly Azzure Solutions (CY) Ltd, holds a Cyprus e-money licence granted 14 June 2024.

  • Cross-border reachPan-European
  • Service scopeSpecialist
  • Reader rating3.1
Active
VerifiedFCA 943375

Zota Technologies (UK) Limited

EMI · United Kingdom

Verified active. Zota Technologies (UK) Limited holds a current UK e-money licence 943375 issued by the FCA.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 205968825

Еконт Финансови Услуги ООД

EMI · Bulgaria

Verified active for Еконт Финансови Услуги ООД as of the last cross-check. Еконт Финансови Услуги ООД holds a Bulgarian e-money licence, reference 205968825, granted 10 June 2021 by the Bulgarian National Bank.

  • Cross-border reachDomestic
  • Service scopeMulti-service
Active
VerifiedFCA 131344648

Изипей АД

EMI · Bulgaria

Verified active. Изипей АД holds a Bulgarian National Bank electronic money licence. The licence authorises cash withdrawal services on a payment account, safeguarding of customer funds.

  • Cross-border reachDomestic
  • Service scopeFull-service
Active
VerifiedFCA 204112059

Изи Пеймънт Сървисиз ООД

EMI · Bulgaria

Verified active. Изи Пеймънт Сървисиз ООД holds a current Bulgarian e-money licence (BG) with reference 204112059, granted on 25 October 2018 by the Bulgarian National Bank.

  • Cross-border reachPan-European
  • Service scopeFull-service
  • Reader rating3.6
Active
VerifiedFCA 206066023

Майфин ЕАД

EMI · Bulgaria

Verified active. Майфин ЕАД holds a current Bulgarian e-money licence, reference 206066023, granted 27 February 2020.

  • Cross-border reachPan-European
  • Service scopeFull-service
  • Reader rating3.8
Active
VerifiedFCA 208392473

Монесо ЕООД

EMI · Bulgaria

Verified active. Монесо ЕООД holds a current Bulgarian e money licence issued by the Bulgarian National Bank, reference 208392473.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 208462740

МУВУ България ЕООД

EMI · Bulgaria

Verified active. МУВУ България ЕООД holds a current licence issued by the Bulgarian National Bank on 27 August 2026.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 206457036

ПейМен Груп ООД

EMI · Bulgaria

Verified active. ПейМен Груп ООД holds a Bulgarian National Bank licence. The licence authorises issuing payment instruments and acquiring payment transactions.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating3.9
Active
VerifiedFCA 206032163

Тенен Пеймънтс АД

EMI · Bulgaria

Verified active. Тенен Пеймънтс АД holds a Bulgarian National Bank authorised EMI licence as recorded in the register.

  • Cross-border reachPan-European
  • Service scopeMulti-service
  • Reader rating4.0
Active
VerifiedFCA 208283118

Транзактиз ООД

EMI · Bulgaria

Verified active. Tранзактиз ООД holds licence number 208283118 issued by the Bulgarian National Bank.

  • Cross-border reachDomestic
  • Service scopeSpecialist
Active
VerifiedFCA 204903721

ЮтеПей България ЕООД

EMI · Bulgaria

Verified active. ЮтеПей България ЕООД holds licence 204903721 from the Bulgarian National Bank.

  • Cross-border reachDomestic
  • Service scopeMulti-service
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.