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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

995 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All Active Defunct Withdrawn Inactive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 LB000440

UAB "ConnectPay"

EMI · Lithuania

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

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

Active

VerifiedFCA 900949

UAB ConnectPay

EMI · United Kingdom

Verified defunct. UAB ConnectPay holds a UK e-money licence (reference 900949). UAB ConnectPay is authorised to issue electronic money, safeguard customer funds, and distribute and redeem electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900953

UAB deVere E-money

EMI · United Kingdom

Verified defunct. UAB deVere E-money held a UK electronic money institution licence until closure.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB002122

Drusvalas

EMI · Lithuania

Verified active. UAB 'DRUSVALAS', trading as DRUSVALAS, holds a current Lithuanian EMI licence under LB002122 issued by Bank of Lithuania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB001941

UAB "DV Payment"

EMI · Lithuania

Verified active. UAB "DV Payment" holds a current Lithuanian e-money licence LB001941 issued by the Bank of Lithuania.

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

Active

VerifiedFCA LB000417

UAB "Elektroninių mokėjimų agentūra"

EMI · Lithuania

Verified active. UAB 'Elektroninių mokėjimų agentūra' holds a current Lithuanian e-money licence.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000422

UAB „Elektroninių pinigų bitė“

Small EMI · Lithuania

Verified active. UAB „Elektroninių pinigų bitė" holds a Small EMI licence from the Bank of Lithuania, reference LB000422.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002088

UAB „Elektroninių pinigų bitė“

EMI · Lithuania

Verified active. UAB „Elektroninių pinigų bitė" holds a current Lithuanian EMI licence. The Bank of Lithuania authorised the entity under reference LB002088.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB001911

UAB "epayblock"

EMI · Lithuania

Verified active. UAB "epayblock" holds a current licence from the Bank of Lithuania, reference LB001911.

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

Active

VerifiedFCA LB001896

UAB "Finansinės paslaugos "Contis"

EMI · Lithuania

Verified active. UAB "Finansinės paslaugos Contis" holds a current licence granted by the Bank of Lithuania under reference LB001896.

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

Active

VerifiedFCA 901110

UAB “Finansinės paslaugos “Contis”

EMI · United Kingdom

Verified defunct. UAB 'Finansinės paslaugos 'Contis' held a UK e-money licence (EMI) reference 901110.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000490

UAB "Finolita Unio"

EMI · Lithuania

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

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

Active

VerifiedFCA 900958

UAB Finolita Unio

EMI · United Kingdom

Verified defunct. UAB Finolita Unio had a UK Electronic Money Institution licence (ref 900958) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000431

UAB "Glocash Payment"

EMI · Lithuania

Verified active. UAB "Glocash Payment" holds a Lithuanian e-money licence with reference LB000431 issued on 21 November 2017 by the Bank of Lithuania.

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

Active

VerifiedFCA LB001929

UAB Guru Pay

EMI · Lithuania

Verified active. UAB Guru Pay holds a Lithuanian e-money licence granted 25 November 2019.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000468

UAB "International Payment Union"

EMI · Lithuania

Verified active. UAB 'International Payment Union' holds a current Lithuanian electronic money licence (LB000468) issued by the Bank of Lithuania.

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

Active

VerifiedFCA 900964

UAB 'International Payment Union'

EMI · United Kingdom

Verified defunct. UAB 'International Payment Union' has a UK Electronic Money Institution licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB002061

UAB „Lux International Payment System“

EMI · Lithuania

Verified active. UAB „Lux International Payment System" holds an e-money licence (LB002061) issued by the Bank of Lithuania on 18 February 2021.

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

Active

VerifiedFCA LB000453

UAB "Maneuver LT"

EMI · Lithuania

Verified active. UAB Maneuver LT holds a current Lithuanian electronic money licence, as recorded in the Bank of Lithuania register.

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

Active

VerifiedFCA LB000409

UAB "Mobilieji mokėjimai"

Small EMI · Lithuania

Verified active. UAB Mobilieji mokėjimai holds a current Lithuanian e-money licence (LB000409) granted by the Bank of Lithuania.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002139

UAB Monavate

EMI · Lithuania

Verified active. UAB Monavate holds a Lithuanian e-money licence, reference LB002139, authorised by the Bank of Lithuania.

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

Active

VerifiedFCA LB001951

UAB Nandi Finance

EMI · Lithuania

Verified active. UAB Nandi Finance holds a electronic-money licence (LB001951) issued by the Bank of Lithuania on 28 February 2020.

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

Active

VerifiedFCA LB000451

UAB „neocard“

EMI · Lithuania

Verified active. UAB „NEOCARD" holds a Lithuanian e-money licence LB000451 issued by the Bank of Lithuania on 29 March 2018.

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

Active

VerifiedFCA 900969

UAB 'Nexpay'

EMI · United Kingdom

Licence confirmed against the FCA Financial Conduct Authority register. UAB 'Nexpay' held authorisation under reference 900969 to conduct distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000428

UAB "NexPay"

EMI · Lithuania

Verified active. UAB 'NexPay' holds a Lithuanian e-money licence (LB000428) authorised by the Bank of Lithuania.

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

Active

VerifiedFCA LB000420

UAB „nium Eu“

EMI · Lithuania

Verified active. UAB „NIUM EU" possesses a current Lithuanian electronic-money licence, reference LB000420, as cross-checked against the Bank of Lithuania register.

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

Active

VerifiedFCA LB002250

UAB "NS Pay"

EMI · Lithuania

Verified active. UAB "NS Pay" holds a current Lithuanian e-money licence (LB002250) issued by the Bank of Lithuania on 16 May 2024.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA LB002095

UAB "NS Pay"

Small EMI · Lithuania

Verified active. UAB "NS Pay" holds a licensed Small EMI licence from the Bank of Lithuania, reference LB002095.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB001894

UAB “Nuvei”

EMI · Lithuania

Verified active. UAB "Nuvei" holds a current Lithuanian e-money licence (LB001894) issued by the Bank of Lithuania.

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

Active

VerifiedFCA 900950

UAB Nuvei

EMI · United Kingdom

Licence confirmed against the FCA register: UAB Nuvei, a UK-based Electronic Money Institution, is defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000432

UAB "PanPay Europe"

EMI · Lithuania

Verified active. UAB PanPay Europe, registered in Lithuania, holds a current e-money licence issued by the Bank of Lithuania (LB000432).

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

Active

VerifiedFCA LB001994

UAB "Payrnet"

EMI · Lithuania

Verified active. UAB PAYRNET holds a Lithuanian e-money licence registered with the Bank of Lithuania.

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

Active

VerifiedFCA 900928

UAB Paytend Europe

EMI · United Kingdom

Verified defunct. UAB Paytend Europe, licensed EMI 900928, is regulated by the UK Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000480

UAB "Paytend Europe"

EMI · Lithuania

Verified active. UAB PAYTEND EUROPE holds a Lithuanian electronic money licence, reference LB000480, authorised by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA LB000248

UAB „Perlas Finance“

EMI · Lithuania

Verified active. UAB "Perlas Finance" holds a current Lithuanian e-money licence granted on 29 October 2015.

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

Active

VerifiedFCA LB000426

UAB "Pervesk"

EMI · Lithuania

Verified active. UAB 'Pervesk' holds a Lithuanian e-money licence granted by the Bank of Lithuania on 6 November 2017 (reference LB000426).

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

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.