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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 LB001911

UAB "epayblock"

EMI · Lithuania

Verified active. UAB "epayblock" holds a current licence from the Bank of Lithuania, reference LB001911.

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

Active

VerifiedFCA LB001896

UAB "Finansinės paslaugos "Contis"

EMI · Lithuania

Verified active. UAB "Finansinės paslaugos Contis" holds a current licence granted by the Bank of Lithuania under reference LB001896.

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

Active

VerifiedFCA LB000490

UAB "Finolita Unio"

EMI · Lithuania

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

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.3

Active

VerifiedFCA LB000431

UAB "Glocash Payment"

EMI · Lithuania

Verified active. UAB "Glocash Payment" holds a Lithuanian e-money licence with reference LB000431 issued on 21 November 2017 by the Bank of Lithuania.

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

Active

VerifiedFCA LB000468

UAB "International Payment Union"

EMI · Lithuania

Verified active. UAB 'International Payment Union' holds a current Lithuanian electronic money licence (LB000468) issued by the Bank of Lithuania.

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

Active

VerifiedFCA LB002061

UAB „Lux International Payment System“

EMI · Lithuania

Verified active. UAB „Lux International Payment System" holds an e-money licence (LB002061) issued by the Bank of Lithuania on 18 February 2021.

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

Active

VerifiedFCA LB000453

UAB "Maneuver LT"

EMI · Lithuania

Verified active. UAB Maneuver LT holds a current Lithuanian electronic money licence, as recorded in the Bank of Lithuania register.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.3

Active

VerifiedFCA LB002139

UAB Monavate

EMI · Lithuania

Verified active. UAB Monavate holds a Lithuanian e-money licence, reference LB002139, authorised by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.7

Active

VerifiedFCA LB001951

UAB Nandi Finance

EMI · Lithuania

Verified active. UAB Nandi Finance holds a electronic-money licence (LB001951) issued by the Bank of Lithuania on 28 February 2020.

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

Active

VerifiedFCA LB000451

UAB „neocard“

EMI · Lithuania

Verified active. UAB „NEOCARD" holds a Lithuanian e-money licence LB000451 issued by the Bank of Lithuania on 29 March 2018.

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

Active

VerifiedFCA LB000428

UAB "NexPay"

EMI · Lithuania

Verified active. UAB 'NexPay' holds a Lithuanian e-money licence (LB000428) authorised by the Bank of Lithuania.

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

Active

VerifiedFCA LB000420

UAB „nium Eu“

EMI · Lithuania

Verified active. UAB „NIUM EU" possesses a current Lithuanian electronic-money licence, reference LB000420, as cross-checked against the Bank of Lithuania register.

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

Active

VerifiedFCA LB002250

UAB "NS Pay"

EMI · Lithuania

Verified active. UAB "NS Pay" holds a current Lithuanian e-money licence (LB002250) issued by the Bank of Lithuania on 16 May 2024.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA LB001894

UAB “Nuvei”

EMI · Lithuania

Verified active. UAB "Nuvei" holds a current Lithuanian e-money licence (LB001894) issued by the Bank of Lithuania.

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

Active

VerifiedFCA LB000432

UAB "PanPay Europe"

EMI · Lithuania

Verified active. UAB PanPay Europe, registered in Lithuania, holds a current e-money licence issued by the Bank of Lithuania (LB000432).

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

Active

VerifiedFCA LB001994

UAB "Payrnet"

EMI · Lithuania

Verified active. UAB PAYRNET holds a Lithuanian e-money licence registered with the Bank of Lithuania.

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

Active

VerifiedFCA LB000480

UAB "Paytend Europe"

EMI · Lithuania

Verified active. UAB PAYTEND EUROPE holds a Lithuanian electronic money licence, reference LB000480, authorised by the Bank of Lithuania.

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

Active

VerifiedFCA LB000248

UAB „Perlas Finance“

EMI · Lithuania

Verified active. UAB "Perlas Finance" holds a current Lithuanian e-money licence granted on 29 October 2015.

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

Active

VerifiedFCA LB000426

UAB "Pervesk"

EMI · Lithuania

Verified active. UAB 'Pervesk' holds a Lithuanian e-money licence granted by the Bank of Lithuania on 6 November 2017 (reference LB000426).

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

Active

VerifiedFCA LB000477

UAB "Phoenix Payments"

EMI · Lithuania

Verified active. UAB 'PHOENIX PAYMENTS' holds licence LB000477 granted by the Bank of Lithuania on 20 November 2018.

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

Active

VerifiedFCA LB000464

UAB „Pyrros Lithuania“

EMI · Lithuania

Verified active. UAB "Pyrros Lithuania" holds an e-money licence, reference LB000464, issued by the Bank of Lithuania on 25 July 2018.

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

Active

VerifiedFCA LB000448

UAB SatchelPay

EMI · Lithuania

Verified active. UAB SatchelPay holds a Lithuanian e-money licence, reference LB000448, granted 6 March 2018.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.6

Active

VerifiedFCA LB000437

UAB "Seven Seas Europe"

EMI · Lithuania

Verified active. UAB 'Seven Seas Europe' holds a current Lithuanian e-money licence. The licence authorises execution of payment transactions on a payment account.

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

Active

VerifiedFCA LB001875

UAB „Silvergate LT“

EMI · Lithuania

Verified active. UAB „Silvergate LT" has a current Lithuanian electronic money licence LB001875, issued by the Bank of Lithuania on 30 May 2019.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.5

Active

VerifiedFCA LB000500

UAB „SONECT Europe“

EMI · Lithuania

Verified active. UAB „SONECT Europe" holds a Lithuanian e-money licence from the Bank of Lithuania.

Cross-border reachPan-European
Service scopeFull-service
Reader rating2.6

Active

VerifiedFCA LB000463

UAB TeslaPay

EMI · Lithuania

Verified active. UAB TeslaPay holds a current Lithuanian e-money licence. The Bank of Lithuania authorises execution of payment transactions on a payment account.

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

Active

VerifiedFCA LB000461

UAB "TransferGo Lithuania"

EMI · Lithuania

Verified active. UAB TransferGo Lithuania holds a current Lithuanian e-money licence (LB000461) authorised by the Bank of Lithuania, cross-checked against the register.

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

Active

VerifiedFCA LB001966

UAB Travel Union

EMI · Lithuania

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

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

Active

VerifiedFCA LB000421

UAB "Vialet"

EMI · Lithuania

Verified active. UAB 'Vialet' holds a Lithuanian e-money licence from the Bank of Lithuania with reference LB000421.

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

Active

VerifiedFCA LB000452

UAB „Walletto“

EMI · Lithuania

Verified active. UAB Walletto holds a Lithuanian e-money licence, reference LB000452, as recorded in the Bank of Lithuania register.

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

Active

VerifiedFCA LB000457

UAB Zen.Com

EMI · Lithuania

Verified active. UAB ZEN.COM holds a current Lithuanian e-money licence granted on 24 May 2018.

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

Active

VerifiedFCA R139472

Uber Payments B.V.

EMI · Netherlands

Verified active. Uber Payments B.V. holds a current Dutch e-money licence R139472 from De Nederlandsche Bank, granted 4 April 2019.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.0

Active

VerifiedFCA 115.1.3.7

Unlimit

EMI · Cyprus

Verified active. UNLIMIT EU LTD holds a current electronic money licence under reference 115.1.3.7 from the Central Bank of Cyprus.

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

Active

VerifiedFCA 6719

Unnax Reg Services Ede SL

EMI · Spain

Verified active. Licence 6719 from Banco de Espana authorises the entity, the entity's authorisation continues.

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

Active

VerifiedFCA 6709

UP Aganea Ede, S.A.

EMI · Spain

Verified active. UP AGANEA EDE, S.A. holds a current Spanish electronic money licence (type EMI) issued by Banco de Espana.

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

Active

VerifiedFCA 951300169

UP Paiement

EMI · France

Verified active. UP PAIEMENT holds a French electronic money licence. The regulator listed is Autorite de Controle Prudentiel et de Resolution.

Cross-border reachRegional
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.