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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 33874548

PaySaxas Oy

EMI · Finland

Verified active. PaySaxas Oy is a licensed Electronic Money Institution in Finland.

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

Active

VerifiedFCA C443739

Paysend EU Designated Activity Company

EMI · Ireland

Verified active. PAYSEND EU DESIGNATED ACTIVITY COMPANY holds licence C443739 issued by the Central Bank of Ireland.

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

Active

VerifiedFCA LB000251

"Paysera LT", UAB

EMI · Lithuania

Verified active. Paysera LT, UAB holds a current Lithuanian electronic money licence. Activities include account information services, cash deposit services on a payment account, payment initiation services.

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

Active

VerifiedFCA LB000434

Payswix, UAB

EMI · Lithuania

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

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

Active

VerifiedFCA C453020

Kraken

EMI · Ireland

Verified active. Payward Ireland Limited, trading as Kraken, holds a current Irish e-money licence (C453020) issued by the Central Bank of Ireland.

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

Active

VerifiedFCA LB001895

PCS Transfer, UAB

EMI · Lithuania

Verified active. PCS Transfer, UAB holds a current Lithuanian electronic money licence from the Bank of Lithuania.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.7

Active

VerifiedFCA 6707

Pecunpay

EMI · Spain

Verified active. PECUNIA CARDS E.D.E., S.L. holds a current Spanish e-money licence from Banco de Espana.

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

Active

VerifiedFCA 6853633000

Petrol Pay družba za izdajo elektronskega denarja in plačilne storitve, d. o. o.

EMI · Slovenia

Verified active. Petrol Pay družba za izdajo elektronskega denarja in plačilne storitve, d.

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

Active

VerifiedFCA C175999

PFS Card Services (Ireland) Ltd

EMI · Ireland

Verified active. PFS Card Services (Ireland) Ltd holds an Electronic Money Institution licence from the Central Bank of Ireland, reference C175999.

Cross-border reachRegional
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA W00000014

PingPong Europe S.A.

EMI · Luxembourg

Verified active. PingPong Europe S.A. holds a current Luxembourg EMI licence granted 23 October 2020.

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

Active

VerifiedFCA 231633

Pintail AG

EMI · Liechtenstein

Verified active, Pintail AG holds a current Liechtenstein e-money licence authorised by the Liechtenstein Financial Market Authority.

Cross-border reachRegional
Service scopeSpecialist
Reader rating3.6

Active

VerifiedFCA 39155435

Pleo Financial Services ApS

EMI · Denmark

Verified active. Pleo Financial Services ApS holds a Danish e-money licence (ref 39155435).

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

Active

VerifiedFCA 32669139

Pliant Oy

EMI · Finland

Verified active. Pliant Oy holds a current Finnish e-money licence, reference 32669139, authorised by the Finnish Financial Supervisory Authority.

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

Active

VerifiedFCA 0712775202

PPS EU

EMI · Belgium

Verified active. PPS EU holds a licence granted 23 July 2019 by the National Bank of Belgium.

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

Active

VerifiedFCA R186418

Quantoz Payments B.V.

EMI · Netherlands

Verified active. Quantoz Payments B.V. holds licence reference R186418 issued by De Nederlandsche Bank.

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

Active

VerifiedFCA 5006830589

Rapyd Europe hf.

EMI · Iceland

Verified active. Rapyd Europe hf. holds a current Icelandic e-money licence granted 11 April 2023.

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

Active

VerifiedFCA 4306023650

Rapyd

EMI · Iceland

Verified active. Rapyd Europe hf. holds a current Icelandic e-money licence granted 15 May 2012.

Cross-border reachPan-European
Service scopeFull-service
Reader rating3.0

Active

VerifiedFCA LB000484

Revolut Payments UAB

EMI · Lithuania

Verified active. Revolut Payments UAB holds a current Lithuanian e-money licence. Authorised activities include issuance of electronic money; cash withdrawal services on a payment account; safeguarding of customer funds; issuing payment instruments.

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

Active

VerifiedFCA W00000021

Ripple Payments Europe S.A.

EMI · Luxembourg

Verified active. Ripple Payments Europe S.A. receives a Luxembourg e-money licence (W00000021) from the Commission de Surveillance du Secteur Financier.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA C513978

Rippling Payments Ireland Limited

EMI · Ireland

Verified active. Rippling Payments Ireland Limited holds licence C513978 from the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA 156959

RS2 Financial Services GmbH

EMI · Germany

Verified active. RS2 Financial Services GmbH holds a current German e-money licence under reference 156959.

Cross-border reachRegional
Service scopeFull-service
Reader rating4.7

Active

VerifiedFCA 40003654405

Mobilly

EMI · Latvia

Verified active. Sabiedrība ar ierobežotu atbildību "Mobilly" is a Latvian electronic money institution authorised by the Bank of Latvia under licence reference 40003654405.

Cross-border reachRegional
Service scopeMulti-service
Reader rating3.5

Active

VerifiedFCA 41503033127

Transact Pro

EMI · Latvia

Verified active. Sabiedrība ar ierobežotu atbildību "Transact Pro" holds a Latvian electronic-money licence (reference 41503033127) issued by the Bank of Latvia on 20 June 2014.

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

Active

VerifiedFCA 40860320

Safenetpay ApS

EMI · Denmark

Verified active. Safenetpay ApS holds a current Danish e-money licence. The licence authorises safeguarding of customer funds, money remittance, and the issuance of electronic money.

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

Active

VerifiedFCA 920017134

Schuman Financial

EMI · France

Verified active. SALVUS, named SCHUMAN FINANCIAL, holds a French e-money licence from Autorité de Contrôle Prudentiel et de Résolution, licence reference 920017134.

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

Active

VerifiedFCA W00000010

Satispay Europe S.A.

EMI · Luxembourg

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

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

Active

VerifiedFCA LB000412

„Secure Nordic Payments“, UAB

EMI · Lithuania

Verified active. Secure Nordic Payments, UAB is an authorised electronic money institution under the Bank of Lithuania.

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

Active

VerifiedFCA 6705

Sefide, E.D.E., S.L.

EMI · Spain

Verified active. SEFIDE E.D.E. S.L. holds a current Spanish e-money licence (reference 6705).

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

Active

VerifiedFCA 115.1.3.18

Sepaga E.M.I. Limited

EMI · Cyprus

Verified active. SEPAGA E.M.I. LIMITED holds a current Cypriot electronic money licence. The licence authorises execution of payment transactions on a payment account, issuance of electronic money, and safeguarding of customer funds.

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

Active

VerifiedFCA 995073064

Settle Group AS

EMI · Norway

Verified active. Settle Group AS holds a current Norwegian e-money licence. The licence authorises the company to execute payment transactions on a payment account.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.8

Active

VerifiedFCA LB002063

Sezzle Lithuania, UAB

EMI · Lithuania

Verified active. Sezzle Lithuania, UAB is licensed under reference LB002063 by the Bank of Lithuania.

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

Active

VerifiedFCA 40103794693

Dukascopy Payments

EMI · Latvia

Verified active. SIA Dukascopy Payments holds a current Latvian e-money licence (reference 40103794693) issued by the Bank of Latvia.

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

Active

VerifiedFCA 50203643321

GR8 money

EMI · Latvia

Verified active. SIA GR8 PAY holds licence 50203643321 from Bank of Latvia, granted 10 December 2025.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 40203665454

Moneliq

EMI · Latvia

Verified active. SIA "MONELIQ EUROPE" trades as MONELIQ and holds a current licence from the Bank of Latvia (reference 40203665454).

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 40203610348

Pace FS

EMI · Latvia

Verified active. SIA PACE FS, trading as PACE FS, holds a Latvian electronic money licence from Bank of Latvia.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.3

Active

VerifiedFCA 40203411426

xpate

EMI · Latvia

Verified active. SIA xpate, trading as xpate, holds a Latvian e-money licence from the Bank of Latvia, reference 40203411426.

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.