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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 900635

CB Payments Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R195386

CCV International B.V./Codata

Small EMI · Netherlands

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C36102

CEEVO FINANCIAL SERVICES (MALTA) LIMITED

EMI · Malta

Verified active against the Malta Financial Services Authority register.

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

Active

VerifiedFCA 900515

Cendit Limited

Small EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Authorisation withdrawn

VerifiedFCA 442441630

FIDELYPAY,SETRAFI

EMI · France

Verified active.

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

Active

VerifiedFCA 901005

CENTRALPAY

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900717

Centtrip Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900027

CFS-ZIPP Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 841033970

CHECKOUT

EMI · France

Verified active against the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA 900816

Checkout Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 901059

Checkout SAS

Small EMI · United Kingdom

Licence confirmed defunct as at the last register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R203770

Chirp B.V.

Small EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 953990934

Circle Internet Financial Europe SAS

EMI · France

Licence confirmed against the Autorité de Contrôle Prudentiel et de Résolution register.

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

Active

VerifiedFCA 900480

Circle UK Trading Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 900696

Clear Junction Digital Limited

Small EMI · United Kingdom

Verified inactive.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900684

Clear Junction Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001955

Clearshift, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 902103

Cledara Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900024

ClickandBuy International Ltd

EMI · United Kingdom

Licence cross-checked against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900109

Cloudzync Ltd

Small EMI · United Kingdom

Verified against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 827802737

CNOVA PAY

EMI · France

Verified active.

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

Active

VerifiedFCA C188493

Coinbase Ireland Limited

EMI · Ireland

Verified active.

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

Active

VerifiedFCA W00000022

Coinbase Luxembourg S.A.

EMI · Luxembourg

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 927920

COLIBRIX LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900590

Comcarde Limited

Small EMI · United Kingdom

Verified defunct as of the last register cross-check.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901065

CONTACTPAY SOLUTION LTD

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.9

Defunct

VerifiedFCA 900025

Contis Financial Services Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 936014

Conto Group Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000252

Contomobile UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 902009

Contomobile UAB

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900186

Cornercard UK Limited

EMI · United Kingdom

Licence status: defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901015

Corner Europe AG

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 265389

Cornèr Europe AG

EMI · Liechtenstein

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.7

Active

VerifiedFCA 901119

Corporate Services UAB

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000449

Corporate Services UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA 1044552

COSMOLIN 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.