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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

801 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All Active Defunct Withdrawn Inactive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 39729482

Eurodollar ApS

EMI · Denmark

Verified active.

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

Active

VerifiedFCA 902021

Euro Exchange Securities UK Ltd

EMI · United Kingdom

Verified active against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900009

Euronet 360 Finance Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 800509341

EVERYPAY M.A.E.

EMI · Greece

Licence confirmed against the Hellenic Capital Market Commission register.

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

Active

VerifiedFCA 997541

EXEPAY LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 522058544

EZYNESS

EMI · France

Verified active as of the latest cross-check against the ACPR register.

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

Active

VerifiedFCA C148215

Facebook Payments International Limited

EMI · Ireland

Licence verified as current with the Central Bank of Ireland.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 1015576

FAIRMAY LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 05371775

Fairplay Pay s.r.o., v likvidaci

Small EMI · Czech Republic

Verified active as a small e-money institution.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900681

Fasterpay Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C91591

Fast Shift Limited

EMI · Malta

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900524

Fiat Republic Financial Services Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R190553

Fiat Republic Netherlands B.V.

EMI · Netherlands

Verified active against the Dutch financial register.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.1

Active

VerifiedFCA 933587

FIDO FINANCE LIMITED

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 47570431

FILBO PAY S.A.

EMI · Romania

Verified active as of the latest register cross-check.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 0434818930

Fimaser

EMI · Belgium

Verified active.

Cross-border reachRegional
Service scopeFull-service
Reader rating3.0

Active

VerifiedFCA C55838

Finance Incorporated Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA 902039

Financial House Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900991

Finblocks Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002187

FinCause, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB001933

Finci, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 901102

Finmo UK Group Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA R180074

FINOM PAYMENTS B.V.

EMI · Netherlands

Verified active.

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

Active

VerifiedFCA 6718

FINPAY ENTIDAD DE DINERO ELECTRÓNICO, S.A.

EMI · Spain

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900144

FinPayTech Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900878

FINSEI LTD

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 941406

Finseta Payment Solutions Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 115.1.3.60

FINSTELLA LTD (Revoked licence as EMI as from 26/06/2023)

EMI · Cyprus

Licence revoked as of 26 June 2023.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 900986

Fintech Valley Ltd

Small EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C65783

FINXP LIMITED

EMI · Malta

Verified active.

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

Active

VerifiedFCA 900983

FIRE FINANCIAL SERVICES LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 919932465

Firi AS

EMI · Norway

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 122281

First Data GmbH

EMI · Germany

Verified active.

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

Active

VerifiedFCA 900412

First Rate Exchange Services Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001891

FlorioFinance, UAB

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 10917120965

FLOWE S.P.A. - SOCIETA' BENEFIT

EMI · Italy

Verified active against Banca d'Italia's register as of the last 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.