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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

325 institutions · 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All Active Defunct Withdrawn Inactive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 LB002065

KogoPay UAB

EMI · Lithuania

Verified active. KogoPay UAB holds licence reference LB002065, licensed by the Bank of Lithuania on 4 March 2021.

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

Active

VerifiedFCA 115.1.3.30

Koronapay Europe Limited

EMI · Cyprus

Verified active. Koronapay Europe Limited holds the Cyprus electronic money licence 115.1.3.30.

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

Active

VerifiedFCA 115.1.3.66

LA Orange CY Limited

EMI · Cyprus

Verified active. LA ORANGE CY LIMITED holds a current Cyprus e-money licence. The licence, reference number 115.1.3.66, is issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA 42457590

Larstal Denmark ApS

EMI · Denmark

Verified active. Larstal Denmark ApS holds a current Danish e-money licence as confirmed by the Danish Financial Supervisory Authority.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA C186257

Lumon

EMI · Ireland

Verified active. Lumon FX Europe Limited holds a current Irish electronic money licence. Its authorisation covers issuing payment instruments and acquiring payment transactions.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 534479589

Lydia Solutions

EMI · France

Verified active. LYDIA SOLUTIONS holds a French e-money licence issued by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA 330623414

LYF

EMI · France

Verified active. LYF, registered in France, is authorised by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA W00000005

Mangopay S.A.

EMI · Luxembourg

Verified active. MANGOPAY S.A. holds a Luxembourg e-money licence issued on 31 December 2012 by the Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA 808389191

Market Pay

EMI · France

Verified active. MARKET PAY holds a current French e-money licence (reference 808389191) issued by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA 7501

Martrust Europe, S.A.

EMI · Portugal

Verified active. MARTRUST EUROPE, S.A. holds a Portuguese e-money licence granted 1 March 2023.

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

Active

VerifiedFCA C 107685

Mellifera Kartiera Limited

EMI · Malta

Verified active. MELLIFERA KARTIERA LIMITED, licensed by the Malta Financial Services Authority, holds licence C 107685.

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

Active

VerifiedFCA W00000003

Mercedes pay S.A.

EMI · Luxembourg

Verified active. Mercedes pay S.A. is licensed as an electronic money institution by the Commission de Surveillance du Secteur Financier, Luxembourg.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA 911052827

Merge Money

EMI · France

Verified active. MERGE MONEY holds a current French e-money licence, regulated by the Autorite de Controle Prudentiel et de Resolution.

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

Active

VerifiedFCA 115.1.3.34

MGL Wallet Limited

EMI · Cyprus

Verified active. MGL WALLET LIMITED holds a current licence (ref 115.1.3.34) issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA C64824

Mifinity Malta Limited

EMI · Malta

Verified active. MIFINITY MALTA LIMITED holds a current Malta e-money licence with reference C64824.

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

Active

VerifiedFCA R182870

Modulr

EMI · Netherlands

Verified active. Modulr Finance B.V. holds a current Dutch e-money licence (R182870). It is authorised to execute payment transactions on a payment account.

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

Active

VerifiedFCA F0038

Mollie B.V.

EMI · Netherlands

Verified active. Mollie B.V. holds a current Dutch e-money licence with De Nederlandsche Bank, reference F0038, granted 3 February 2025.

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

Active

VerifiedFCA R193672

Mondu Financial Services B.V.

EMI · Netherlands

Verified active. Mondu Financial Services B.V. holds a Dutch e-money licence R193672 issued by De Nederlandsche Bank.

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

Active

VerifiedFCA 16573117

Monemon AS

EMI · Estonia

Verified active. Monemon AS holds a current Estonian e-money licence. The licence authorises safeguarding of customer funds and cash withdrawal services on payment accounts.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.9

Active

VerifiedFCA 5505121060

Monerium ehf.

EMI · Iceland

Verified active. Monerium ehf. holds a current Icelandic e-money licence under the Financial Supervisory Authority of Iceland.

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

Active

VerifiedFCA 5711100240

Monerium

EMI · Iceland

Verified active. Licence confirmed against the Icelandic register. Monerium EMI ehf.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.6

Active

VerifiedFCA C 112338

Money Blink Limited

EMI · Malta

Verified active, the entity holds a Maltese electronic money institution licence from the MFA.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA C71597

Money + Card Payment Institution Ltd

EMI · Malta

Verified active. The Malta-registered entity MONEY + CARD PAYMENT INSTITUTION LTD possesses a licence C71597 from the Malta Financial Services Authority.

Cross-border reachRegional
Service scopeMulti-service
Reader rating2.9

Active

VerifiedFCA C184118

Moneycorp

EMI · Ireland

Verified active. Moneycorp Technologies Limited, trading as Moneycorp, is a licensed electronic money institution (EMI) in Ireland as confirmed by a cross-check against the Central Bank of Ireland register (ref.

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

Active

VerifiedFCA 115.1.3.46

MONEYGATE SOLUTIONS LTD (former name: Realmode Services Limited)

EMI · Cyprus

Verified active. MONEYGATE SOLUTIONS LTD holds a current Cyprus e-money licence. The licence permits execution of payment transactions on a payment account.

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

Active

VerifiedFCA R198281

MoonPay Europe B.V.

EMI · Netherlands

Verified active. MoonPay Europe B.V. holds a Dutch e-money licence. The licence authorises distribution and redemption of electronic money.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 82814

Mynt AB

EMI · Sweden

Verified active. Mynt AB holds a current Swedish e-money licence (reference 82814) granted by the Swedish Financial Supervisory Authority.

Cross-border reachRegional
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA C475122

myPOS Limited

EMI · Ireland

Verified active. myPOS Limited is authorised by the Central Bank of Ireland under licence reference C475122.

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

Active

VerifiedFCA 31902146

Narvi Payments Oy Ab

EMI · Finland

Verified active. Narvi Payments Oy Ab is licensed by the Finnish Financial Supervisory Authority as an electronic money institution under reference number 31902146.

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

Active

VerifiedFCA C504018

Navro Payments Europe Limited

EMI · Ireland

Verified active. Navro Payments Europe Limited holds licence C504018, issued by the Central Bank of Ireland.

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

Active

VerifiedFCA LB002078

Nayax Europe UAB

EMI · Lithuania

Verified active. Nayax Europe UAB has a Bank of Lithuania licence. The licence authorises payment account execution, money remittance, and cash withdrawals.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.8

Active

VerifiedFCA LB000247

Neo Finance, AB

EMI · Lithuania

Verified active. Neo Finance AB holds licence reference LB000247, authorised by the Bank of Lithuania, granted 30 October 2018.

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

Active

VerifiedFCA 115.1.3.15

NETinfoPAY Ltd (formerly Allpay Ltd)

EMI · Cyprus

Verified active. NETinfoPAY Ltd, formerly Allpay Ltd, holds a Cyprus e-money licence.

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

Active

VerifiedFCA LB001967

Newrails, UAB

EMI · Lithuania

Verified active. Newrails UAB holds a current Lithuanian e-money licence.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 122964

Nexi Germany GmbH

EMI · Germany

Verified active. Nexi Germany GmbH holds a current German e-money licence under reference 122964 issued by the Bundesanstalt fur Finanzdienstleistungsaufsicht.

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

Active

VerifiedFCA 04107060966

Nexi Payments S.P.A.

EMI · Italy

Verified active. NEXI PAYMENTS S.P.A. holds a current Italian e-money licence issued by Banca d'Italia.

Cross-border reachPan-European
Service scopeFull-service
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.