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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 901029

Wittix, UAB

EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB002046

WITTY GLOBAL UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 31720705

Wolt License Services Oy

EMI · Finland

Verified active as of the last cross-check against the Finnish Financial Supervisory Authority register.

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

Active

VerifiedFCA R163139

Wonderbox Cadeaukaarten B.V.

Small EMI · Netherlands

Verified active as a Small EMI.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R179765

Wonderbox Giftcard B.V.

Small EMI · Netherlands

Verified active.

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 as at the last register cross-check.

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

Active

VerifiedFCA 900508

World First UK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 0886476763

Worldline Financial Solutions NV SA

EMI · Belgium

Verified active.

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

Active

VerifiedFCA 900113

Worldline Financial Solutions NV/SA

EMI · United Kingdom

Licence status cross-checked against the FCA Financial Services Register: Worldline Financial Solutions NV/SA held an EMI licence under reference 900113.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 1031413

WORLDPAY (UK) LIMITED

EMI · United Kingdom

Verified active as at the last FCA cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900891

WorldRemit Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900536

WTUK Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 927212

Xchange Finance Limited

EMI · United Kingdom

Verified active.

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.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA R131231

XLNT Operations B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 901021

xpate ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 501586341

XPOLLENS

EMI · France

Verified active.

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.

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

Active

VerifiedFCA R194054

XTransfer B.V.

EMI · Netherlands

Verified active.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA R187462

XXImo Financial Services B.V.

EMI · Netherlands

Verified active.

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

Active

VerifiedFCA R203521

YAPIFI B.V.

EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900431

YouPass Payments Europe Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

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 as of the last cross-check against De Nederlandsche Bank's register.

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

Active

VerifiedFCA 900139

Yoyo Wallet Ltd

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R202368

Ypsilon EMI Services B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 149040

Zalando Payments GmbH

EMI · Germany

Verified active.

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

Active

VerifiedFCA R194916

ZEBEDEE EUROPE B.V.

EMI · Netherlands

Verified active.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA 1029940

ZELLER UK LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1000019

ZEN-UK LIMITED

EMI · United Kingdom

Verified active as at the most recent FCA cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R193684

zerohash europe

EMI · Netherlands

Licence confirmed against the Dutch financial register.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 31477514

Zevoy Aktiebolag

EMI · Finland

Verified active.

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

Active

VerifiedFCA 41950080

Ziglu Europe ApS

EMI · Denmark

Verified active.

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

Active

VerifiedFCA 900977

Ziglu Limited

EMI · United Kingdom

Verified active against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.38

ZIPP EUROPE LIMITED

EMI · Cyprus

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.59

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

EMI · Cyprus

Verified active against the Cyprus Securities and Exchange Commission register.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.1

Active

VerifiedFCA 943375

Zota Technologies (UK) Limited

EMI · United Kingdom

Verified active.

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.