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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

322 institutions · active · with passporting

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All Active Defunct Withdrawn Inactive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 800509341

EVERYPAY M.A.E.

EMI · Greece

Licence confirmed against the Hellenic Capital Market Commission register.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating3.9

Active

VerifiedFCA 522058544

EZYNESS

EMI · France

Verified active as of the latest cross-check against the ACPR register.

Cross-border reachRegional
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA R190553

Fiat Republic Netherlands B.V.

EMI · Netherlands

Verified active against the Dutch financial register.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.1

Active

VerifiedFCA 0434818930

Fimaser

EMI · Belgium

Verified active.

Cross-border reachRegional
Service scopeFull-service
Reader rating3.0

Active

VerifiedFCA C55838

Finance Incorporated Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA LB002187

FinCause, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB001933

Finci, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA R180074

FINOM PAYMENTS B.V.

EMI · Netherlands

Verified active.

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

Active

VerifiedFCA C65783

FINXP LIMITED

EMI · Malta

Verified active.

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

Active

VerifiedFCA 122281

First Data GmbH

EMI · Germany

Verified active.

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

Active

VerifiedFCA C 90348

Foris MT Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA C432664

Gemini Payments Europe Limited

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA 6722

GETNET EMONEY EDE, S.L.

EMI · Spain

Verified active as of the last cross-check against Banco de Espana's register.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.6

Active

VerifiedFCA LB000486

Google Payment Lithuania UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 26046768

GOPAY s.r.o.

EMI · Czech Republic

Verified active as of the last cross-check against the Czech National Bank register.

Cross-border reachRegional
Service scopeSpecialist
Reader rating3.6

Active

VerifiedFCA LB002116

GPS Capital Markets Europe, UAB

EMI · Lithuania

Verified active as of the last cross-check against Bank of Lithuania records.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA C189313

GVS Prepaid (Europe) Limited

EMI · Ireland

Verified active.

Cross-border reachRegional
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA C70142

handi.cash Limited

EMI · Malta

Verified active.

Cross-border reachRegional
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 115.1.3.68

HAPIC LIMITED

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 833165863

OUITRUST

EMI · France

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.6

Active

VerifiedFCA 0897928802

HiPay ME

EMI · Belgium

Verified active.

Cross-border reachRegional
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA LB000404

ibsettle UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA R201891

iLedgends B.V./emoni

EMI · Netherlands

Verified active.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 0461328436

Imagor

EMI · Belgium

Verified active.

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

Active

VerifiedFCA 14605379

inHouse Pay AS

EMI · Estonia

Verified active against the Estonian Financial Supervision Authority register.

Cross-border reachRegional
Service scopeMulti-service
Reader rating3.6

Active

VerifiedFCA 32317731

Inpay A/S

EMI · Denmark

Verified active against the Danish Financial Supervisory Authority register.

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

Active

VerifiedFCA 48003

Intergiro Intl AB (publ)

EMI · Sweden

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.6

Active

VerifiedFCA LB000245

International Fintech, UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA C42802

Pay to Study

EMI · Ireland

Licence confirmed against the Central Bank of Ireland register.

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

Active

VerifiedFCA F0027

Intersolve Payments B.V.

EMI · Netherlands

Verified active.

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

Active

VerifiedFCA 11034137

IPF Digital AS

EMI · Estonia

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating5.0

Active

VerifiedFCA 115.1.3.28

IPS Solutions Ltd (operating under the Trademark 'Payz')

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 45505

iZettle AB

EMI · Sweden

Verified active.

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

Active

VerifiedFCA 115.1.3.55

JCC PAYMENT SYSTEMS LIMITED

EMI · Cyprus

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.8

Active

VerifiedFCA W00000008

J. P. Morgan Mobility Payments Solution S.A.

EMI · Luxembourg

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.9

Active

VerifiedFCA C106164

Justcards (Europe) Limited

EMI · Malta

Verified active as of 22 January 2025.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating2.7

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.