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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

322 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All Active Defunct Withdrawn Inactive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 LB001958

Nikulipe UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA C 98342

Nium Financial Services Malta Ltd

EMI · Malta

Verified active against the Malta Financial Services Authority register.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.5

Active

VerifiedFCA C458163

NoFrixion Limited

EMI · Ireland

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 920245676

Norwegian Block Exchange AS

EMI · Norway

Verified active.

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

Active

VerifiedFCA 115.1.3.9

Nuvei Limited (former name: SAFECHARGE LTD)

EMI · Cyprus

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.9

Active

VerifiedFCA C190174

OFX

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 890111776

Okali

EMI · France

Verified active.

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

Active

VerifiedFCA 916910436

OneSettle AS

EMI · Norway

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating5.0

Active

VerifiedFCA 115.1.3.44

Onevault EEA Ltd (previous name: Capitallfin Ltd)

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA LB001915

Opal Transfer EU, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA C 75580

Openpayd Financial Services Malta Limited

EMI · Malta

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.6

Active

VerifiedFCA C176000

WEX

EMI · Ireland

Verified active.

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

Active

VerifiedFCA R199952

Orenda FS B.V.

EMI · Netherlands

Verified active.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.23

Oro Pay Ltd

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 801587027

OTRO PAY E.M.I.

EMI · Greece

Verified active against the Hellenic Capital Market Commission register.

Cross-border reachRegional
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA 6727

OUTPAYCE, S.A.

EMI · Spain

Licence confirmed against the Banco de Espana register.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating2.7

Active

VerifiedFCA C55146

PAPAYA LTD

EMI · Malta

Verified active.

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

Active

VerifiedFCA 32368862

Paxos Issuance Europe Oy

EMI · Finland

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.6

Active

VerifiedFCA 125314

PayCenter GmbH

EMI · Germany

Verified active.

Cross-border reachRegional
Service scopeFull-service
Reader rating2.3

Active

VerifiedFCA R189095

pay.cetera B.V.

EMI · Netherlands

Verified active.

Cross-border reachRegional
Service scopeSpecialist

Active

VerifiedFCA C 109162

Paydo EU Ltd

EMI · Malta

Verified active.

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

Active

VerifiedFCA C 107340

PAYFUTURE FS MT LTD.

EMI · Malta

Verified active.

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

Active

VerifiedFCA LB002200

Payhawk Financial Services

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.3

Active

VerifiedFCA C 86493

Payhound Limited

EMI · Malta

Verified active against the Malta Financial Services Authority register.

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

Active

VerifiedFCA LB001876

Paylar, UAB

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.8

Active

VerifiedFCA C451387

Dojo

EMI · Ireland

Verified active.

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

Active

VerifiedFCA LB002054

PAYMONT, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 0506763929

Paynovate

EMI · Belgium

Verified active against the National Bank of Belgium register.

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

Active

VerifiedFCA LB000250

Paynt, UAB

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA C447645

Payoma Ireland Limited

EMI · Ireland

Verified active as of the last cross-check against the Central Bank of Ireland register.

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

Active

VerifiedFCA C189473

Payoneer

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 123367

PAYONE GmbH

EMI · Germany

Verified active.

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

Active

VerifiedFCA C184986

Skrill

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.6

Active

VerifiedFCA C185005

Paysafe Prepaid Services Limited

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 33874548

PaySaxas Oy

EMI · Finland

Verified active.

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

Active

VerifiedFCA C443739

PAYSEND EU DESIGNATED ACTIVITY COMPANY

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeMulti-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.