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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

165 institutions · defunct

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All Active Defunct Withdrawn Inactive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 900841

Sabstone Ltd

Small EMI · United Kingdom

Verified defunct. Sabstone Ltd holds a UK small EMI licence 900841, yet the register marks it defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902020

Safenet Trading Limited

EMI · United Kingdom

Verified defunct. Safenet Trading Limited held a United Kingdom EMI licence under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA 900180

Sage Payments (UK) Ltd.

EMI · United Kingdom

Verified defunct. Sage Payments (UK) Ltd. holds an FCA electronic money licence reference 900180.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900783

Sepaga E.M.I. Limited

EMI · United Kingdom

Verified defunct. Sepaga E.M.I. Limited held a licence from the Financial Conduct Authority under reference 900783.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900621

SEQR Payments AB

EMI · United Kingdom

Verified against the FCA Financial Services Register. SEQR Payments AB holds licence reference 900621 as a United Kingdom-based electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902018

Sibilla Solutions Limited

EMI · United Kingdom

Verified defunct. Sibilla Solutions Limited was a UK EMI under FCA regulation, licence reference 902018.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 942055

Silverbird Global Limited

EMI · United Kingdom

Verified defunct. Silverbird Global Limited was authorized as a UK electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 934739

Smart Fintech Limited

EMI · United Kingdom

Verified defunct. Smart Fintech Limited held licence reference 934739 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900007

Smart Voucher Limited

EMI · United Kingdom

Verified defunct. Smart Voucher Limited was an authorised electronic money institution under the Financial Conduct Authority in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900686

SnapSwap International S.A.

EMI · United Kingdom

Verified defunct. SnapSwap International S.A. held a UK EMI licence, reference 900686, as recorded by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900598

Société Financière du Porte-Monnaie Electronique Interbancaire

EMI · United Kingdom

Verified defunct. Société Financière du Porte-Monnaie Electronique Interbancaire held a UK EMI licence previously.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902083

Solent House Limited

EMI · United Kingdom

Verified inactive. Solent House Limited held a United Kingdom e-money licence (ref 902083) from the FCA as recorded in the register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900048

Squidcard Limited

Small EMI · United Kingdom

Verified defunct. Squidcard Limited was a small electronic money institution authorised by the Financial Conduct Authority under reference 900048.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900026

Starbucks Card Europe Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register. Starbucks Card Europe Ltd holds licence reference 900026 as a United Kingdom electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900967

Stork Group Ltd

Small EMI · United Kingdom

Verified defunct, Stork Group Ltd holds a Small EMI licence from the FCA, reference 900967.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900968

Sureswipe E.M.I. PLC

Small EMI · United Kingdom

Verified defunct. Sureswipe E.M.I. PLC holds a UK small electronic money licence under the FCA, reference 900968.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901036

Sync.Money UK Ltd

EMI · United Kingdom

Verified defunct status for SYNC.MONEY UK LTD as recorded in the FCA register. The UK-based electronic money institution held licence reference 901036.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900035

Telefonica Financial Services UK Limited

EMI · United Kingdom

Verified defunct. Telefonica Financial Services UK Limited was an electronic money institution authorised by the Financial Conduct Authority under licence reference 900035.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900645

Teya Rewards Ltd.

EMI · United Kingdom

Verified against the FCA Financial Services Register. Teya Rewards Ltd holds licence reference 900645 as a United Kingdom electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900755

The ai Corporation Limited

EMI · United Kingdom

Verified defunct. The ai Corporation Limited, a United Kingdom electronic money institution, held licence reference 900755 under the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900204

The Foremost Currency Group Limited

EMI · United Kingdom

Verified defunct. The Foremost Currency Group Limited was an electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901084

The Payment Firm Ltd

EMI · United Kingdom

Verified defunct. The Payment Firm Ltd held a UK electronic money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902012

The Real Asset Co

EMI · United Kingdom

Verified defunct. The Real Asset Co holds a UK EMI licence, reference 902012, issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900538

Transact24 (UK) Limited

EMI · United Kingdom

Verified defunct. Transact24 (UK) Limited is a UK electronic money institution licensed by the Financial Conduct Authority under reference 900538.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900819

Transactive Systems Ltd

EMI · United Kingdom

Verified defunct. Transactive Systems Ltd was authorised as an electronic money institution by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900965

Transact Pro

EMI · United Kingdom

Verified defunct. Transact Pro held a United Kingdom electronic money licence, reference 900965.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900814

Treezor

EMI · United Kingdom

Verified defunct. Treezor was authorised by the Financial Conduct Authority as a UK electronic money institution, holding licence reference 900814.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 901080

Tyncofex Ltd

EMI · United Kingdom

Verified defunct. Tyncofex Ltd held a former UK e-money licence from the FCA under reference 901080.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Defunct

VerifiedFCA 900949

UAB ConnectPay

EMI · United Kingdom

Verified defunct. UAB ConnectPay holds a UK e-money licence (reference 900949). UAB ConnectPay is authorised to issue electronic money, safeguard customer funds, and distribute and redeem electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900953

UAB deVere E-money

EMI · United Kingdom

Verified defunct. UAB deVere E-money held a UK electronic money institution licence until closure.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901110

UAB “Finansinės paslaugos “Contis”

EMI · United Kingdom

Verified defunct. UAB 'Finansinės paslaugos 'Contis' held a UK e-money licence (EMI) reference 901110.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900958

UAB Finolita Unio

EMI · United Kingdom

Verified defunct. UAB Finolita Unio had a UK Electronic Money Institution licence (ref 900958) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900964

UAB 'International Payment Union'

EMI · United Kingdom

Verified defunct. UAB 'International Payment Union' has a UK Electronic Money Institution licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900969

UAB 'Nexpay'

EMI · United Kingdom

Licence confirmed against the FCA Financial Conduct Authority register. UAB 'Nexpay' held authorisation under reference 900969 to conduct distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900950

UAB Nuvei

EMI · United Kingdom

Licence confirmed against the FCA register: UAB Nuvei, a UK-based Electronic Money Institution, is defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900928

UAB Paytend Europe

EMI · United Kingdom

Verified defunct. UAB Paytend Europe, licensed EMI 900928, is regulated by the UK Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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.