VerifiedFCA 0897928802
HiPay ME
EMI · Belgium
Verified active. HiPay ME holds a Belgian e-money licence, authorised by the National Bank of Belgium, reference 0897928802.
- Cross-border reachRegional
- Service scopeSpecialist
- Reader rating4.2
Active
EMI register: licensed e-money institutions
809 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.
VerifiedFCA R186098
Horses & Gifts B.V.
Small EMI · Netherlands
Verified active. Horses & Gifts B.V. holds a current Dutch electronic money licence under reference R186098.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA IEN110
Hrvatski Telekom d.d.
EMI · Croatia
Verified active. Hrvatski Telekom d.d. holds a current Croatian e-money licence for electronic money.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA R135512
Huis & Tuin Cadeau B.V.
Small EMI · Netherlands
Verified active. Huis & Tuin Cadeau B.V. holds a current Dutch e-money licence issued by De Nederlandsche Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 1004355
Hy10 Global Ltd
EMI · United Kingdom
Verified active. HY10 Global LTD holds a current FCA Electronic Money Licence (1004355). The licence authorises distribution and redemption of electronic money, safeguarding of customer funds, and issuance of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 02686590023
Hype S.P.A.
EMI · Italy
Verified active. HYPE S.P.A. holds a current Italian e-money licence. The licence authorises issuance of electronic money and safeguarding of customer funds.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 1001629
iBanFirst Limited
EMI · United Kingdom
Verified active. iBanFirst Limited holds a current UK e-money licence, reference 1001629, granted 16 August 2024 by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB000404
ibsettle UAB
EMI · Lithuania
Verified active. ibsettle UAB holds a Lithuanian e-money licence (LB000404) issued by the Bank of Lithuania on 29 March 2017.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.2
Active
VerifiedFCA 115.1.3.81
Iconglobal Ltd
EMI · Cyprus
Verified active. Iconglobal Ltd holds a Cyprus electronic money licence, as recorded in the Central Bank of Cyprus register.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900517
IFX (UK) Ltd
EMI · United Kingdom
Verified active. IFX (UK) Ltd holds a current electronic money institution licence from the FCA, authorised to issue electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA R201891
iLedgends B.V./emoni
EMI · Netherlands
Verified active. iLedgends B.V./emoni holds a current Dutch e-money licence (R201891) granted 21 May 2026 by De Nederlandsche Bank.
- Cross-border reachPan-European
- Service scopeMulti-service
Active
VerifiedFCA 922499033
Illipay
EMI · France
Verified active. ILLIPAY holds a licence from the Autorité de Contrôle Prudentiel et de Résolution to safeguard customers' funds and issue electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 0461328436
Imagor
EMI · Belgium
Verified active. Imagor holds a current Belgian e-money licence, reference 0461328436, granted 18 June 2013.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 1027309
Incard Ltd
EMI · United Kingdom
Verified active. Incard Ltd holds a current UK e-money licence under FCA reference 1027309.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 14605379
inHouse Pay AS
EMI · Estonia
Verified active. The Estonian Financial Supervision Authority issued inHouse Pay AS a current licence (14605379) on 9 September 2019.
- Cross-border reachRegional
- Service scopeMulti-service
- Reader rating3.6
Active
VerifiedFCA 32317731
Inpay A/S
EMI · Denmark
Verified active. Inpay A/S holds a current Danish e-money licence under reference 32317731, granted 29 June 2023 by the Danish Financial Supervisory Authority.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 48003
Intergiro Intl AB (publ)
EMI · Sweden
Verified active. Intergiro Intl AB (publ) holds a current Swedish e-money licence with reference 48003.
- Cross-border reachMulti-market
- Service scopeMulti-service
- Reader rating3.6
Active
VerifiedFCA LB000245
International Fintech, UAB
EMI · Lithuania
Verified active. International Fintech, UAB, authorised by the Bank of Lithuania under licence LB000245, is an electronic money institution.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA C42802
Pay to Study
EMI · Ireland
Verified active. InterPay Limited holds licence C42802 from the Central Bank of Ireland, granted on 26 April 2023.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 900930
Interpay UK ltd
EMI · United Kingdom
Verified active. Interpay UK ltd holds a current UK e-money licence. The licence authorises distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds, per the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900413
Interpolitan Money P.L.C.
EMI · United Kingdom
Verified active. INTERPOLITAN MONEY P.L.C. holds a current UK e-money licence, authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA F0027
Intersolve Payments B.V.
EMI · Netherlands
Verified active. Intersolve Payments B.V. holds a Dutch e-money licence (F0027) issued by De Nederlandsche Bank on 19 February 2019.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating3.9
Active
VerifiedFCA 11034137
IPF Digital AS
EMI · Estonia
Verified active. IPF Digital AS is listed under licence reference 11034137 at the Estonian Financial Supervision Authority.
- Cross-border reachRegional
- Service scopeMulti-service
- Reader rating5.0
Active
VerifiedFCA 115.1.3.28
Verified active. IPS Solutions Ltd, trading under the Payz trademark, holds an EMI licence.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA C 83377
iQash Limited
EMI · Malta
Verified active. iQash Limited holds a Maltese e-money licence, reference C 83377. The licence authorises payment transactions on a payment account, issuance of electronic money, safeguarding of customer funds, money remittance, and cash deposit services.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
VerifiedFCA 901034
ISX Financial UK Ltd
EMI · United Kingdom
Verified active. ISX Financial UK Ltd holds a current UK e-money licence issued by the FCA on 11 September 2020.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 45505
iZettle AB
EMI · Sweden
Verified active. iZettle AB, a Swedish Electronic Money Institution, is authorised by the Swedish Financial Supervisory Authority to issue money and safeguard funds.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.1
Active
VerifiedFCA 115.1.3.55
JCC Payment Systems Limited
EMI · Cyprus
Verified active. JCC PAYMENT SYSTEMS LIMITED holds a current electronic money institution licence issued by the Central Bank of Cyprus.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.8
Active
VerifiedFCA 559419-5314
Jifiti Patorai AB
EMI · Sweden
Verified active. Jifiti Patorai AB holds a current Swedish e-money licence, as cross-checked against the Swedish Financial Supervisory Authority register.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA W00000008
J. P. Morgan Mobility Payments Solution S.A.
EMI · Luxembourg
Verified active. J. P. Morgan Mobility Payments Solution S.A. holds a Luxembourg e-money licence from the Commission de Surveillance du Secteur Financier.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating2.9
Active
VerifiedFCA C106164
Justcards (Europe) Limited
EMI · Malta
Verified active. Justcards (Europe) Limited holds a Maltese EMI licence C106164 under the Malta Financial Services Authority, granted 22 January 2025.
- Cross-border reachMulti-market
- Service scopeFull-service
- Reader rating2.7
Active
VerifiedFCA 900981
Kashet Ltd
EMI · United Kingdom
Verified active. Kashet Ltd holds a current licence granted by the Financial Conduct Authority on 5 December 2020.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 1026130
KDMS Payments Ltd
EMI · United Kingdom
Verified active. KDMS PAYMENTS LTD is a United Kingdom (GB) unit authorised by the Financial Conduct Authority under licence type EMI, reference 1026130, granted 22 August 2025.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 1020783
Keel Money Ltd
EMI · United Kingdom
Verified active. Keel Money Ltd holds a current UK e-money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900914
Kitakami Limited
EMI · United Kingdom
Verified active. Kitakami Limited holds a current United Kingdom electronic money licence 900914 under the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 1021834
Klarna Financial Services UK Limited
EMI · United Kingdom
Verified active. KLARNA FINANCIAL SERVICES UK LIMITED holds a current licence granted on 28 July 2025 by the Financial Conduct Authority, reference 1021834.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.9
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.