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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 115.1.3.16

Profee

EMI · Cyprus

Verified active. SIBILLA SOLUTIONS LIMITED, trading as PROFEE, holds Cyprus electronic money licence 115.1.3.16 issued by the Bank of Cyprus.

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

Active

VerifiedFCA 46552723

SKPAY, a. s.

EMI · Slovakia

Verified active. SKPAY, a. s. holds a current Slovak e-money licence under the National Bank of Slovakia.

Cross-border reachRegional
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 115.1.3.42

SLIQ PAYMENTS LTD (formerly named: (i) Zing Payments Ltd, (ii) GAP Vassilopoulos International E-commerce Network Ltd)

EMI · Cyprus

Verified active. SLIQ PAYMENTS LTD, a Cyprus entity, holds a current electronic money institution licence issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA 422721274

Société financière du porte-monnaie électronique interbancaire

EMI · France

Verified active. Société financière du porte-monnaie électronique interbancaire is an electronic money institution authorised by Autorite de Controle Prudentiel et de Resolution.

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

Active

VerifiedFCA FR_ACPR!737174

Société Générale - Forge

EMI · France

Verified active. Société Générale - Forge holds a licence issued by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA C179925

Soldo

EMI · Ireland

Verified active. Soldo Financial Services Ireland Designated Activity Company, trading as Soldo, holds a current Central Bank of Ireland electronic money licence C179925.

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

Active

VerifiedFCA 115.1.3.58

Solid Processing Limited

EMI · Cyprus

Verified active. SOLID PROCESSING LIMITED holds a current Cypriot e-money licence (Licence reference 115.1.3.58).

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA C184117

Square

EMI · Ireland

Verified active. Squareup International Limited, trading as Square, holds a current Irish electronic money licence under reference C184117.

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

Active

VerifiedFCA C 104007

StablR Ltd

EMI · Malta

Verified active. StablR Ltd holds a current Malta e-money licence, reference C 104007, granted on 21 June 2024 by the Malta Financial Services Authority.

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

Active

VerifiedFCA 48004

Steven AB (previously Pei Development AB)

EMI · Sweden

Verified active. Steven AB, trading as Steven AB (formerly Pei Development AB), holds a Swedish EMI licence.

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

Active

VerifiedFCA C187865

Stripe

EMI · Ireland

Verified active. Stripe Technology Europe, Limited, trading as Stripe, holds a current EMI licence from the Central Bank of Ireland, reference C187865.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.7

Active

VerifiedFCA LB001900

SumUp EU Payments UAB

EMI · Lithuania

Verified active. SumUp EU Payments UAB holds a current Lithuanian e-money licence (LB001900) issued by the Bank of Lithuania.

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

Active

VerifiedFCA C195030

SumUp

EMI · Ireland

Verified active. SumUp Limited holds a current Irish e-money licence (reference C195030) authorised by the Central Bank of Ireland.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 115.1.3.26

Sureswipe E.M.I. PLC (Tradename: Revsto)

EMI · Cyprus

Verified active. Sureswipe E.M.I. PLC (Tradename: Revsto) holds a current Cypriot electronic money institution licence issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA 853827103

Swan

EMI · France

Verified active. SWAN holds licence reference 853827103 issued by the Autorite de Controle Prudentiel et de Resolution in France.

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

Active

VerifiedFCA 111248

Swiss Bankers Prepaid Services AG

EMI · Liechtenstein

Verified active. Swiss Bankers Prepaid Services AG holds a Liechtenstein e-money licence, reference 111248, granted 12 December 2012 by the LFM Authority.

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

Active

VerifiedFCA C51532

SYSPAY Limited

EMI · Malta

Verified active. SYSPAY Limited holds a current licence from the Malta Financial Services Authority, reference C51532.

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

Active

VerifiedFCA C66961

System Pay Services (Malta) Limited

EMI · Malta

Verified active. System Pay Services (Malta) Limited holds a current Maltese e-money licence, reference C66961.

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

Active

VerifiedFCA 59248

Talkremit AB

EMI · Sweden

Verified active. Talkremit AB holds a current Swedish e-money licence, reference 59248, granted 23 July 2021.

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

Active

VerifiedFCA 300345

Tantum AG

EMI · Liechtenstein

Verified active. Tantum AG holds a current Liechtenstein e-money licence (reference 300345) as recorded in the Liechtenstein Financial Market Authority register.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 800995166

COSMOTE PAYMENTS / Telekom Payments / T Payments

EMI · Greece

Verified active. TELEKOM PAYMENTS - ELECTRONIC MONEY SERVICES SINGLE MEMBER S.A. holds a current Bank of Greece licence (800995166).

Cross-border reachRegional
Service scopeFull-service
Reader rating4.5

Active

VerifiedFCA 252199

TenX Payments Europe AG

EMI · Liechtenstein

Verified active. TenX Payments Europe AG holds a current Liechtenstein e-money licence (reference 252199).

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

Active

VerifiedFCA 115.1.3.52

Tfi Ecommpay Ltd

EMI · Cyprus

Verified active. TFI ECOMMPAY LTD holds a Cypriot e-money licence authorised by the Central Bank of Cyprus.

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

Active

VerifiedFCA 28135261

ThePay, a.s.

EMI · Czech Republic

Verified active. ThePay, a.s. holds a Czech National Bank licence for issuance of electronic money and safeguarding of customer funds.

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

Active

VerifiedFCA 40203344731

Sabiedrība ar ierobežotu atbildību

EMI · Latvia

Verified active. TigSiPay SIA, trading as Sabiedrība ar ierobežotu atbildību, holds a Latvian e-money licence from the Bank of Latvia.

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

Active

VerifiedFCA R185924

Tipalti B.V.

EMI · Netherlands

Verified active. Tipalti B.V. is an authorised electronic money institution in the Netherlands.

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

Active

VerifiedFCA 800759225

Tora Wallet Single-Member S.A.

EMI · Greece

Verified active. TORA WALLET SINGLE-MEMBER S.A. holds a current licence issued by the Bank of Greece.

Cross-border reachRegional
Service scopeMulti-service
Reader rating4.1

Active

VerifiedFCA LB000443

Transactive Systems, UAB

EMI · Lithuania

Verified active. Transactive Systems, UAB holds a Lithuanian e-money licence from the Bank of Lithuania (reference LB000443).

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

Active

VerifiedFCA C 91879

Transact Payments Malta Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA 807465059

Treezor SAS

EMI · France

Verified active. Treezor SAS holds licence 807465059, granted 21 June 2016, by Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA C 96757

Trumia Ltd

EMI · Malta

Verified active. Trumia Ltd holds a Malta e-money licence C 96757, issued by the Malta Financial Services Authority on 29 May 2023.

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

Active

VerifiedFCA LB000438

Trustcom Financial UAB

EMI · Lithuania

Verified active. TRUSTCOM FINANCIAL UAB holds a Lithuanian e-money licence, reference LB000438, granted 21 December 2017.

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

Active

VerifiedFCA LB000489

UAB Aspora Europe

EMI · Lithuania

Verified active. UAB Hokodo, trading as HOKODO, holds a Lithuanian electronic money institution licence under the Bank of Lithuania.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA LB002168

Blue EMI LT

EMI · Lithuania

Verified active. UAB BLUE EMI LT holds a Lithuanian e-money licence (LB002168) authorised by the Bank of Lithuania.

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

Active

VerifiedFCA LB000440

UAB "ConnectPay"

EMI · Lithuania

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

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

Active

VerifiedFCA LB001941

UAB "DV Payment"

EMI · Lithuania

Verified active. UAB "DV Payment" holds a current Lithuanian e-money licence LB001941 issued by the Bank of Lithuania.

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.