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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

995 institutions

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All Active Defunct Withdrawn Inactive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 LB001933

Finci, UAB

EMI · Lithuania

Verified active. Finci, UAB holds a Lithuanian electronic-money licence under reference LB001933, granted 5 December 2019.

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

Active

VerifiedFCA 900882

Fincofex Limited

EMI · United Kingdom

Verified defunct. Fincofex Limited no longer has a UK e-money licence. The FCA authorised the entity for issuance of electronic money, safeguarding of customer funds, distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901102

Finmo UK Group Limited

EMI · United Kingdom

Verified active. Finmo UK Group Limited holds a current UK e-money licence. The regulator is the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA R180074

Finom Payments B.V.

EMI · Netherlands

Verified active. FINOM Payments B.V., trading as FINOM PAYMENTS B.V., holds an Electronic Money Institution licence from De Nederlandsche Bank.

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

Active

VerifiedFCA 6718

Finpay Entidad de Dinero Electrónico, S.A.

EMI · Spain

Verified active. FINPAY ENTIDAD DE DINERO ELECTRÓNICO, S.A. is an authorised electronic money institution overseen by Banco de España.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900144

FinPayTech Ltd

Small EMI · United Kingdom

Verified active against the FCA Financial Services Register. FinPayTech Ltd holds a current Small EMI licence issued 2 May 2018, reference 900144.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900878

Finsei Ltd

Small EMI · United Kingdom

Verified active. FINSEI LTD operates a Small EMI licence (ref. 900878) granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 941406

Finseta Payment Solutions Ltd

EMI · United Kingdom

Verified active. Finseta Payment Solutions Ltd holds a current UK e-money licence from the Financial Conduct Authority.

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

Verified active. FINSTELLA LTD, a Cyprus-based electronic money institution, is registered with the Central Bank of Cyprus under licence reference 115.1.3.60.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 900986

Fintech Valley Ltd

Small EMI · United Kingdom

Verified active. Fintech Valley Ltd holds a current small electronic money licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C65783

Finxp Limited

EMI · Malta

Verified active. FINXP LIMITED holds a current Maltese electronic money licence issued by the Malta Financial Services Authority.

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

Active

VerifiedFCA 900983

Fire Financial Services Limited

EMI · United Kingdom

Verified active. FIRE FINANCIAL SERVICES LIMITED holds a UK electronic money licence from the FCA, licence reference 900983, granted 28 June 2019.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 919932465

Firi AS

EMI · Norway

Verified active. Firi AS holds a current Norwegian e-money licence from the Financial Supervisory Authority of Norway, licence reference 919932465, granted 3 June 2024.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900978

First Data GmbH

EMI · United Kingdom

Verified defunct. First Data GmbH, a former UK electronic money institution, had a licence under the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 122281

First Data GmbH

EMI · Germany

Verified active. First Data GmbH holds a current German e-money licence granted by the Bundesanstalt fur Finanzdienstleistungsaufsicht.

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

Active

VerifiedFCA 900412

First Rate Exchange Services Ltd

EMI · United Kingdom

Verified active. First Rate Exchange Services Ltd holds a UK e-money licence (reference 900412).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001891

FlorioFinance, UAB

Small EMI · Lithuania

Verified active. FlorioFinance, UAB holds a current licence from the Bank of Lithuania (LB001891).

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 10917120965

Flowe S.P.A. - Societa' Benefit

EMI · Italy

Verified active. FLOWE S.P.A. - SOCIETA' BENEFIT holds a current Italian e-money licence granted 20 December 2019 by Banca d'Italia.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900705

Fondy Ltd

EMI · United Kingdom

Verified active. Fondy Ltd. holds a current UK electronic money licence (900705) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Active

VerifiedFCA 900205

Foreign Currency Exchange Limited

EMI · United Kingdom

Verified defunct. Foreign Currency Exchange Limited was authorised by the FCA under licence reference 900205.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901074

Foren UK Limited

EMI · United Kingdom

Verified active. FOREN UK LIMITED holds a current UK e-money licence (901074) issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 988571

Forisgfs UK Limited

EMI · United Kingdom

Verified active. ForisGFS UK Limited holds a current FCA electronic money institution licence.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C 90348

Foris MT Limited

EMI · Malta

Verified active. Foris MT Limited holds a current Maltese e-money licence, reference C 90348, granted by the Malta Financial Services Authority.

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

Active

VerifiedFCA 900187

Fortress (GB) Limited

Small EMI · United Kingdom

Verified withdrawn. Fortress (GB) Limited held a small EMI licence (reference 900187) from the Financial Conduct Authority, cross checked against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA LB000418

Foxpay, UAB

EMI · Lithuania

Verified active. Foxpay, UAB holds a current Lithuanian electronic money licence (LB000418) granted by the Bank of Lithuania.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 05422248

FREEVISION s.r.o.

Small EMI · Czech Republic

Verified active. FREEVISION s.r.o. has a current licence from the Czech National Bank, licence reference 05422248.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900903

Frontier Global Consultants Ltd

EMI · United Kingdom

Verified active. Frontier Global Consultants Ltd holds a current United Kingdom Electronic Money Institution licence (900903) authorised by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 936270

Frost Money Ltd

Small EMI · United Kingdom

Licence status as recorded: defunct. Frost Money Ltd held FCA authorisation under the small e-money institution framework.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB002008

Fundstr UAB

EMI · Lithuania

Verified active. FUNDSTR UAB holds a current Lithuanian e-money licence under reference LB002008, issued by the Bank of Lithuania.

Cross-border reachDomestic
Service scopeFull-service

Active

VerifiedFCA 900941

GBXP Ltd

EMI · United Kingdom

Verified active. GBXP LTD holds a UK electronic money institution licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C432664

Gemini Payments Europe Limited

EMI · Ireland

Verified active. Gemini Payments Europe Limited holds a current Irish e-money licence C432664.

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

Active

VerifiedFCA 900988

Gemini Payments UK, LTD

EMI · United Kingdom

Verified active. Gemini Payments UK, LTD holds a current UK electronic money institution licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900718

Gencer Software Limited

EMI · United Kingdom

Verified defunct. Gencer Software Limited appears in the FCA register as a United Kingdom electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 6722

Getnet Emoney Ede, S.L.

EMI · Spain

Verified active. GETNET EMONEY EDE, S.L. holds a current Spanish e-money licence (reference 6722) issued by the Banco de España on 31 August 2022.

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

Active

VerifiedFCA 900114

Givta Limited

Small EMI · United Kingdom

Verified defunct. Givta Limited holds a Small EMI licence (reference 900114) issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900474

GKPay Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register. GKPay Limited held an e-money institution licence under reference 900474.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Authorisation withdrawn

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.