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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

809 institutions · active

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All Active Defunct Withdrawn Inactive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 W00000020

dtcpay Luxembourg S.A.

EMI · Luxembourg

Verified active. dtcpay Luxembourg S.A. holds a current Luxembourg e-money licence from the Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA 901018

D T & T Corporation Limited

EMI · United Kingdom

Verified active. D T & T Corporation Limited holds an EMI licence from the FCA. The licence authorises distribution and redemption of electronic money, safeguarding of customer funds, and issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA LB001960

E4F Money UAB

EMI · Lithuania

Verified active. E4F Money UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania.

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

Active

VerifiedFCA R135007

Ease2/Ease2Go/Ease2Park/Ease2Fuel/Ease2Pay/MyOrder/OnTheGo/Prettig Parkeren/Book & Park/Ease2pay B.V.

Small EMI · Netherlands

Verified active. Ease2pay B.V. holds a current Dutch e-money licence with De Nederlandsche Bank.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R199074

EasyPay B.V.

Small EMI · Netherlands

Verified active. EasyPay B.V. holds a current Dutch e-money licence. It authorises safeguarding of customer funds and issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1028611

eBay Commerce UK Ltd

EMI · United Kingdom

Verified active. eBay Commerce UK Ltd holds an electronic money institution licence from the Financial Conduct Authority, reference 1028611, as recorded in the register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900797

Ebury Partners UK Limited

EMI · United Kingdom

Verified active. Ebury Partners UK Limited holds a UK e-money licence reference 900797 granted by the FCA on 15 June 2018.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.8

Active

VerifiedFCA 115.1.3.20

EcommBX Limited

EMI · Cyprus

Verified active. EcommBX Limited holds a current Cypriot electronic money licence. The licence authorises issuance of electronic money, account information services, cash withdrawal on a payment account, and execution of payment transactions.

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

Active

VerifiedFCA 900916

Ecommerce Technologies LTD

EMI · United Kingdom

Verified active. Ecommerce Technologies LTD holds a current UK e-money licence under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900591

eCOMM Merchant Solutions Limited

EMI · United Kingdom

Verified active. eCOMM Merchant Solutions Limited holds a current licence issued by the Financial Conduct Authority under reference 900591.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 115.1.3.56

Ecredo Limited

EMI · Cyprus

Verified active. ECREDO LIMITED holds a Cyprus electronic money licence issued by the Central Bank of Cyprus.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.5

Active

VerifiedFCA 08342520965

Edenred Italia Fin S.R.L. IN Liquidazione

EMI · Italy

Verified active. EDENRED ITALIA FIN S.R.L. IN LIQUIDAZIONE holds a current Italian e-money licence, reference 08342520965, issued by Banca d'Italia.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 789968245

Edenred Paiement

EMI · France

Verified active. EDENRED PAIEMENT holds a current French e-money licence, granting authorised activities in payment instruments and transactions.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 03838846

EDF PAYMENT SOLUTIONS s.r.o.

Small EMI · Czech Republic

Verified active, EDF PAYMENT SOLUTIONS s.r.o. holds a Czech electronic money licence, reference 03838846, governed by the Czech National Bank.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 921158866

EedenBull AS

EMI · Norway

Verified active. EedenBull AS holds a current Norwegian e-money licence under the Financial Supervisory Authority of Norway.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 1035264

Embed Pay Ltd

Small EMI · United Kingdom

Verified active. EMBED PAY LTD holds a current UK Small e-money licence. The licence is authorised by the Financial Conduct Authority to safeguard customer funds and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900908

Emerald Financial Group (UK) Ltd

EMI · United Kingdom

Verified active. Emerald Financial Group (UK) Ltd holds a current United Kingdom e money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900778

eMerchantPay Limited

EMI · United Kingdom

Verified active. eMerchantPay Limited holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C95957

Pecan Expense

EMI · Ireland

Verified active. EML Money DAC, trading as Pecan Expense, holds a licence granted on 11 July 2018 by the Central Bank of Ireland.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA C55558

Em@ney P.L.C.

EMI · Malta

Verified active. EM@NEY P.L.C. holds a Maltese e-money licence (C55558) issued by the Malta Financial Services Authority on 4 April 2013.

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

Active

VerifiedFCA C64728

Emp Systems Limited

EMI · Malta

Verified active. EMP SYSTEMS LIMITED holds a current Maltese electronic money institution licence (C64728) granted 3 June 2015 by the Malta Financial Services Authority.

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

Active

VerifiedFCA 14897511003

Enel X Financial Services S.R.L.

EMI · Italy

Verified active. ENEL X FINANCIAL SERVICES S.R.L. has a licence recorded by Banca d'Italia.

Cross-border reachRegional
Service scopeMulti-service
Reader rating2.0

Active

VerifiedFCA 29925023

Enfuce License Services Oy

EMI · Finland

Verified active. Enfuce License Services Oy is a money institution authorised under licence reference 29925023 by the Finnish Financial Supervisory Authority.

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

Active

VerifiedFCA 993783

Enfuce UK Ltd

EMI · United Kingdom

Verified active. Enfuce UK Ltd is an electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900028

Enumis Limited

EMI · United Kingdom

Verified active. Enumis Limited holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900172

Epayments Systems Ltd

EMI · United Kingdom

Verified active. Epayments Systems Ltd holds a current EMI licence, reference 900172, granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C68611

Epg Financial Services Limited

EMI · Malta

Verified active. EPG FINANCIAL SERVICES LIMITED holds a current Maltese e-money licence C68611.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating4.7

Active

VerifiedFCA 115.1.3.32

Trademark (brandname): MAP-E-PAY

EMI · Cyprus

Verified active. EPMAP LIMITED, trading as MAP-E-PAY, holds a licence type EMI from the Central Bank of Cyprus reference 115.1.3.32.

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

Active

VerifiedFCA 900493

Equals Money International Limited

EMI · United Kingdom

Verified active. EQUALS MONEY INTERNATIONAL LIMITED holds a current UK electronic money licence from the Financial Conduct Authority, reference 900493.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900892

Equiniti Global Payments Limited

EMI · United Kingdom

Verified active. Equiniti Global Payments Limited holds a current UK e-money licence granted by the Financial Conduct Authority on 23 November 2018.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901100

Eqwire UK Limited

EMI · United Kingdom

Verified active. Eqwire UK Limited holds a current UK e-money licence recorded in the FCA register (reference 901100).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA IEN113

Erste Card Club d.o.o.

EMI · Croatia

Verified active. Erste Card Club d.o.o. holds a current Croatian e-money licence (IEN113).

Cross-border reachRegional
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 997457056

Espos Norge AS

EMI · Norway

Verified active. Espos Norge AS holds a current Norwegian e-money licence, reference 997457056, granted 8 August 2016.

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

Active

VerifiedFCA 900912

ETA Money Limited

EMI · United Kingdom

Verified active. ETA Money Limited holds a current UK e-money licence, reference 900912, granted 16 October 2019, regulated by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001874

Etapay UAB

EMI · Lithuania

Verified active. Etapay UAB, licence reference LB001874, is a Lithuanian electronic money institution authorised by the Bank of Lithuania.

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

Active

VerifiedFCA C97952

eToro Money Malta Limited

EMI · Malta

Verified active. eToro Money Malta Limited holds an e-money licence (C97952) authorised by the Malta Financial Services Authority.

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.