VerifiedFCA R202278
Cosmolin B.V.
EMI · Netherlands
Verified active. Cosmolin B.V. holds a current Dutch e-money licence issued by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
EMI register: licensed e-money institutions
995 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.
VerifiedFCA 1044552
Cosmolin UK Limited
EMI · United Kingdom
Verified active. COSMOLIN UK LIMITED holds a UK e-money licence from the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900014
Costa Card ELMI Limited
EMI · United Kingdom
Verified defunct. Costa Card ELMI Limited held a UK e-money licence (reference 900014) under FCA regulation.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA W000000019
CPS Europe S.A.
EMI · Luxembourg
Verified active. CPS Europe S.A. holds a current Luxembourg e-money licence (W000000019). The licence was granted by the Commission de Surveillance du Secteur Financier on 16 December 2024.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.7
Active
VerifiedFCA 1027543
Crezco Limited
EMI · United Kingdom
Verified active. CREZCO LIMITED holds a current UK e-money licence with the FCA, reference 1027543.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 938488
Crossbeam Financial Services Ltd
Small EMI · United Kingdom
Verified active. Crossbeam Financial Services Ltd holds a current United Kingdom small electronic money issuer licence from the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 115.1.3.2
Verified active. CSC EUROPE LIMITED holds a Cyprus e-money licence (ref 115.1.3.2). The licence was granted on 26 July 2018.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900905
Cublox Ltd
EMI · United Kingdom
Verified active. Cublox Ltd holds a current UK e-money licence (900905) authorised by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R181593
Admirror Nederland/Culinair Holding B.V./Culinair
Small EMI · Netherlands
Verified active. Culinair Holding B.V. is listed with a current Dutch e-money licence granted by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900669
Currencies Direct Limited
EMI · United Kingdom
Verified active against the FCA Financial Services Register. Currencies Direct Limited holds a current UK e-money licence issued on 23 March 2018 under reference 900669.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 6716
Currencies Direct Spain
EMI · Spain
Verified active. CURRENCIES DIRECT SPAIN holds a Spanish e-money licence granted 24 October 2019.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.8
Active
VerifiedFCA R142701
Currencycloud B.V.
EMI · Netherlands
Verified active. Currencycloud B.V. holds a current Dutch e-money licence from De Nederlandsche Bank, reference R142701.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 902015
Currentec EOOD
EMI · United Kingdom
Verified withdrawn. Currentec EOOD holds an EMI licence issued by the FCA under reference 902015.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Authorisation withdrawn
VerifiedFCA 902003
Currentec Ltd
EMI · United Kingdom
Verified withdrawn. Currentec Ltd was a United Kingdom-based electronic money institution regulated by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Authorisation withdrawn
VerifiedFCA C471225
Currenxie Technologies Limited
EMI · Ireland
Verified active. Currenxie Technologies Limited holds a current licence from the Central Bank of Ireland.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 901010
Currenxie UK Ltd
EMI · United Kingdom
Verified active. CURRENXIE UK LTD holds a current UK e-money licence from the Financial Conduct Authority, reference 901010.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB002003
Curve Europe, UAB
EMI · Lithuania
Verified active. Curve Europe, UAB holds a current Lithuanian e-money licence.
- Cross-border reachRegional
- Service scopeFull-service
- Reader rating4.7
Active
VerifiedFCA 900926
Curve UK Limited
EMI · United Kingdom
Verified active. Curve UK Limited holds a current UK e money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.8
Active
VerifiedFCA 900108
Damaras Limited
Small EMI · United Kingdom
Verified withdrawn. Damaras Limited, a United Kingdom small electronic money institution, previously held an FCA licence that authorised safeguarding of customer funds and issuance of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Authorisation withdrawn
VerifiedFCA R188805
Qarma/Dappre B.V./Scoor voor je Club
Small EMI · Netherlands
Verified active. Dappre B.V. holds a current Dutch e-money licence from De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 948264163
Deblock
EMI · France
Verified active. DEBLOCK holds a current French e-money licence, granted on 23 November 2023 by Autorite de Controle Prudentiel et de Resolution.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900879
Decent Finance Ltd
EMI · United Kingdom
Verified defunct. Decent Finance Ltd held a UK Financial Conduct Authority licence, reference 900879.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.0
Defunct
VerifiedFCA 900592
Decta Limited
EMI · United Kingdom
Verified active. Decta Limited holds a current UK e-money licence (reference 900592) issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA C491504
Decta Limited
EMI · Ireland
Verified active. Decta Limited holds an Irish e-money licence from the Central Bank of Ireland.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating2.6
Active
VerifiedFCA 115.1.3.54
Decta Limited
EMI · Cyprus
Verified active. DECTA LIMITED holds a current Cyprus e-money licence issued by the Central Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA LB002037
Demivolt, UAB
EMI · Lithuania
Verified active. Demivolt, UAB holds a current Lithuanian electronic money licence. The Bank of Lithuania authorised Demivolt to safeguard customer funds and execute payment transactions on a payment account.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA 123556
Deutsche Post Zahlungsdienste GmbH
EMI · Germany
Verified active. Deutsche Post Zahlungsdienste GmbH holds a German e-money licence (Reg. ref.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 901043
DigiDoe Ltd
EMI · United Kingdom
Verified active. DigiDoe Ltd holds a current UK e-money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900710
Digital Capital Ltd
EMI · United Kingdom
Verified active. Digital Capital Ltd holds a current UK e-money licence reference 900710 issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 8640084000
Verified active. DINARO družba za izdajo elektronskega denarja in plačilne storitve, d. o.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.2
Active
VerifiedFCA 900439
DiPocket Limited
EMI · United Kingdom
Verified active. DiPocket Limited is a UK-registered electronic money institution. The Financial Conduct Authority has granted it licence reference 900439.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB002009
DiPocket, UAB
EMI · Lithuania
Verified active. DiPocket UAB holds a current Lithuanian electronic money licence (LB002009) issued by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating3.9
Active
VerifiedFCA 900848
Disberse Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register. Disberse Limited holds - or held - a Small EMI licence under reference 900848.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900777
DLocal Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register. DLocal Limited held a Small EMI licence issued by the Financial Conduct Authority under reference 900777.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA C77538
Dlocal Limited
EMI · Malta
Verified active. DLOCAL LIMITED holds a Malta e-money licence (C77538) granted by the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.8
Active
VerifiedFCA 05925096
DNA Oyj
Small EMI · Finland
Verified active. DNA Oyj holds a Finnish e-money licence that the register confirms as of the latest cross-check.
- Cross-border reachDomestic
- Service scopeMulti-service
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.