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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 1036025

Bound Rates Limited

EMI · United Kingdom

Verified active. BOUND RATES LIMITED holds a current UK e-money licence. The Financial Conduct Authority authorised the company to issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1033250

Bourn Technologies Ltd

EMI · United Kingdom

Verified active. BOURN TECHNOLOGIES LTD holds a current UK electronic money licence issued by the FCA under reference 1033250.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C 106323

BP23 PAY Ltd

EMI · Malta

Verified active. BP23 PAY Ltd holds a current Malta Financial Services Authority e-money licence, reference C 106323, granted 3 April 2024.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900901

Brazauk Ltd

EMI · United Kingdom

Verified active. Brazauk Ltd holds a current UK e-money licence under FCA reference 900901.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000024

Bridge Building S.A.

EMI · Luxembourg

Verified active. Bridge Building S.A. holds a current Luxembourg e-money licence issued by the Commission de Surveillance du Secteur Financier on 29 June 2026.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA 1033237

Brite Payments Limited

EMI · United Kingdom

Verified active. Brite Payments Limited holds a current licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R182940

Brouwer Vos Payments B.V.

Small EMI · Netherlands

Verified active. Brouwer Vos Payments B.V. holds a current Dutch small EMI licence. The licence is granted by De Nederlandsche Bank and authorises issuance of payment instruments and acquisition of payment transactions.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 980932753

Buypass Payment AS

EMI · Norway

Verified active. Buypass Payment AS is listed as an electronic money institution by the Financial Supervisory Authority of Norway under licence reference 980932753.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 0400282277

Buy Way Personal Finance

EMI · Belgium

Verified active. Buy Way Personal Finance holds a current Belgian e-money licence granted on 7 May 2013.

Cross-border reachRegional
Service scopeFull-service
Reader rating4.8

Active

VerifiedFCA 636179h

Bybit Payments GmbH

EMI · Austria

Verified active against the Austrian Financial Market Authority register. Bybit Payments GmbH holds licence 636179h and operates under current Austrian e-money authorisation.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA C 91485

C2D Payment Solutions Ltd

EMI · Malta

Verified active. C2D PAYMENT SOLUTIONS LTD is authorised by the Malta Financial Services Authority under licence reference C 91485.

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

Active

VerifiedFCA C 102288

Calida Financial Ltd

EMI · Malta

Verified active. Calida Financial Ltd holds a current Maltese e-money licence (reference C 102288) that authorises safeguarding of customer funds.

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

Active

VerifiedFCA 900702

Cambridge Mercantile Corp. (UK) Limited

EMI · United Kingdom

Verified active. Cambridge Mercantile Corp. (UK) Limited holds a current UK e-money licence, as cross checked against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1034536

Capi Money UK Ltd

EMI · United Kingdom

Verified active: CAPI MONEY UK LTD holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 22170545

Capital Financial Services S.A.

EMI · Romania

Verified active. CAPITAL FINANCIAL SERVICES S.A. holds a Romanian electronic money licence, reference 22170545, granted 25 April 2013.

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

Active

VerifiedFCA 900088

Cardaq Limited

EMI · United Kingdom

Verified active. Cardaq Limited holds a current licence issued by the Financial Conduct Authority under reference 900088.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900769

CashDash UK Limited

EMI · United Kingdom

Verified active. CashDash UK Limited, an electronic money institution, is authorised by the Financial Conduct Authority under licence reference 900769.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900006

Cashflows Europe Limited

EMI · United Kingdom

Verified active. Cashflows Europe Limited, a UK-based entity, is authorised by the Financial Conduct Authority under licence reference 900006.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900663

Caxton Payments Ltd

EMI · United Kingdom

Verified active against the FCA Financial Services Register. Caxton Payments Ltd holds a current UK e-money licence under reference 900663, issued 19 June 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901013

CBH Wealth UK Limited

EMI · United Kingdom

Verified active. CBH Wealth UK Limited holds a current UK electronic money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001901

CBI Money, UAB

EMI · Lithuania

Verified active. CBI Money, UAB holds a current Lithuanian e-money licence. The licence authorises safeguarding of customer funds, money remittance, and payment transaction execution.

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

Active

VerifiedFCA 900635

CB Payments Ltd

EMI · United Kingdom

Verified active. CB Payments Ltd operates under a UK e-money licence granted by the FCA, reference 900635.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R195386

CCV International B.V./Codata

Small EMI · Netherlands

Verified active: CCV International B.V./Codata holds a Small EMI licence R195386 from De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C36102

Ceevo Financial Services (Malta) Limited

EMI · Malta

Verified active. CEEVO FINANCIAL SERVICES (MALTA) LIMITED holds a current Malta e-money licence.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.6

Active

VerifiedFCA 442441630

Fidelypay,Setrafi

EMI · France

Verified active. CENTRALPAY, trading as FIDELYPAY and SETRAFI, holds a current French e-money licence.

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

Active

VerifiedFCA 900717

Centtrip Limited

EMI · United Kingdom

Verified active. Centtrip Limited holds a current UK e-money licence (reference 900717) issued by the Financial Conduct Authority on 16 April 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 841033970

Checkout

EMI · France

Verified active. CHECKOUT holds a French electronic-money licence, authorised by the Autorité de Contrôle Prudentiel et de Résolution, reference 841033970.

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

Active

VerifiedFCA 900816

Checkout Ltd

EMI · United Kingdom

Verified active. Checkout Ltd holds a current licence as an electronic money institution under Financial Conduct Authority regulation.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA R203770

Chirp B.V.

Small EMI · Netherlands

Verified active. Chirp B.V. holds a small electronic money licence. It is authorised to issue payment instruments, acquire transactions, issue money, execute account payments, and safeguard funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 953990934

Circle Internet Financial Europe SAS

EMI · France

Verified active. Circle Internet Financial Europe SAS is granted a French electronic money licence by the Autorite de Controle Prudentiel et de Resolution.

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

Active

VerifiedFCA 900480

Circle UK Trading Limited

EMI · United Kingdom

Verified active. Circle UK Trading Limited holds an electronic money licence (ref 900480) issued by the FCA on 13 March 2018.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 900684

Clear Junction Ltd

EMI · United Kingdom

Verified active. Clear Junction Ltd holds a current UK electronic money licence, authorised by the Financial Conduct Authority, reference 900684.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001955

Clearshift, UAB

EMI · Lithuania

Verified active. Clearshift, UAB holds a current Lithuanian e-money licence (LB001955) issued by Bank of Lithuania.

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

Active

VerifiedFCA 827802737

Cnova Pay

EMI · France

Verified active. CNOVA PAY holds a current French e -money licence. The licence is authorised by Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA C188493

Coinbase Ireland Limited

EMI · Ireland

Verified active. Coinbase Ireland Limited holds an active EMI licence C188493 issued by the Central Bank of Ireland.

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

Active

VerifiedFCA W00000022

Coinbase Luxembourg S.A.

EMI · Luxembourg

Verified active. Coinbase Luxembourg S.A. holds a current licence under the Commission de Surveillance du Secteur Financier as an electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

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.