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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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 · active · 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All Active Defunct Withdrawn Inactive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 978027159

1point6

EMI · France

Verified active. 1POINT6 is authorised by the Autorité de Contrôle Prudentiel et de Résolution under licence reference 978027159.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA W00000016

3S Money (Luxembourg) S.A.

EMI · Luxembourg

Verified active. 3S Money (Luxembourg) S.A. holds a current Luxembourg e-money licence, confirmed against the Commission de Surveillance du Secteur Financier register.

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

Active

VerifiedFCA 43351206

Accomplish (D) ApS

EMI · Denmark

Verified active. Accomplish (D) ApS holds a current Danish e-money licence as per register.

Cross-border reachPan-European
Service scopeFull-service
Reader rating5.0

Active

VerifiedFCA R197650

Aft EU B.V.

EMI · Netherlands

Verified active. AFT EU B.V. holds a current Dutch e-money licence issued by De Nederlandsche Bank under reference R197650.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.0

Active

VerifiedFCA W00000009

AIEU Services Limited S.A.

EMI · Luxembourg

Verified active. AIEU Services Limited S.A. has an EMI licence granted by the Luxembourg Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA IEN116

Aircash d.o.o.

EMI · Croatia

Verified active. Aircash d.o.o. holds a current Croatian e-money licence under reference IEN116 from the Croatian National Bank.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.5

Active

VerifiedFCA LB000256

Akcinė bendrovė Lietuvos paštas

EMI · Lithuania

Verified active. Akcinė bendrovė Lietuvos paštas holds a current Lithuanian electronic-money licence from the Bank of Lithuania under reference LB000256, granted 1 March 2011.

Cross-border reachRegional
Service scopeMulti-service
Reader rating3.5

Active

VerifiedFCA 163815

AllUnity GmbH

EMI · Germany

Verified active. AllUnity GmbH is authorised by Bundesanstalt fur Finanzdienstleistungsaufsicht to safeguard customer funds and issue electronic money.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA C 96623

Alpha FX Europe Limited

EMI · Malta

Verified active. Alpha FX Europe Limited is a Maltese electronic money institution registered with the Malta Financial Services Authority.

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

Active

VerifiedFCA C 109724

ALT21 Europe Limited

EMI · Malta

Verified active. ALT21 Europe Limited, a Malta based money institution, is authorised by the Malta Financial Services Authority under licence reference C 109724.

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

Active

VerifiedFCA 115.1.3.61

ALTERY EU LIMITED (formerly named: HEADO LIMITED)

EMI · Cyprus

Verified active. ALTERY EU LIMITED is a Cypriot electronic money institution regulated by the Central Bank of Cyprus.

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

Active

VerifiedFCA W00000001

Amazon Payments Europe S.C.A.

EMI · Luxembourg

Verified active. Amazon Payments Europe S.C.A. in Luxembourg holds an e-money licence from the Commission de Surveillance du Secteur Financier.

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

Active

VerifiedFCA R180692

Aplauz NL B.V./WEUR/WSPN

EMI · Netherlands

Verified active. Aplauz NL B.V. holds the Dutch e-money licence R180692 authorised by De Nederlandsche Bank.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.3

Active

VerifiedFCA 40203416512

40203416512

EMI · Latvia

Verified active. AP OPERATIONS SIA holds a Latvian e-money licence.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 151429

B2Mobility GmbH

EMI · Germany

Verified active. B2Mobility GmbH is a German electronic money institution authorised by the Bundesanstalt fur Finanzdienstleistungsaufsicht.

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

Active

VerifiedFCA C103978

Ballinger EU Limited

EMI · Malta

Verified active. BALLINGER EU LIMITED holds a current licence from the Malta Financial Services Authority.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA 25353192

Barion Payment Zrt.

EMI · Hungary

Verified active. Barion Payment Zrt. holds a Hungarian e-money licence. The licence authorises issuance of electronic money and safeguarding of customer funds.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating3.3

Active

VerifiedFCA 910768266

BCB Payments (Europe)

EMI · France

Verified active. BCB Payments (Europe) holds a current French e-money licence issued by the Autorite de Controle Prudentiel et de Resolution.

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

Active

VerifiedFCA LB001973

Bebawa, UAB

EMI · Lithuania

Verified active. Bebawa, UAB holds a current Lithuanian e-money licence. It is authorised to issue payment instruments and acquire payment transactions, issue electronic money, execute payment transactions on payment accounts, and safeguard customer funds.

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

Active

VerifiedFCA LB002125

BEM Europe

EMI · Lithuania

Verified active. BENKER UAB holds a Lithuanian e-money licence. The licence authorises issuance of electronic money, safeguarding of customer funds.

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

Active

VerifiedFCA 501412x

Bitpanda Payments GmbH

EMI · Austria

Verified active. Bitpanda Payments GmbH holds an Austrian e-money licence (reference 501412x) granted on 22 February 2022.

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

Active

VerifiedFCA 6717

Bnext Electronic Issuer, E.D.E., Sociedad Limitada

EMI · Spain

Verified active. BNEXT ELECTRONIC ISSUER, E.D.E., SOCIEDAD LIMITADA holds a current Spanish e-money licence.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.9

Active

VerifiedFCA 115.1.3.48

Bnkpro Europe Ltd

EMI · Cyprus

Verified active. BNKPRO EUROPE LTD is authorised by the Central Bank of Cyprus under licence reference 115.1.3.48, granted 17 February 2022.

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

Active

VerifiedFCA C447372

Booking Holdings Financial Services International Limited

EMI · Ireland

Verified active. Booking Holdings Financial Services International Limited holds a current Irish e-money licence.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA W00000024

Bridge Building S.A.

EMI · Luxembourg

Verified active. Bridge Building S.A. holds a current Luxembourg e-money licence issued by the Commission de Surveillance du Secteur Financier on 29 June 2026.

Cross-border reachPan-European
Service scopeSpecialist

Active

VerifiedFCA 0400282277

Buy Way Personal Finance

EMI · Belgium

Verified active. Buy Way Personal Finance holds a current Belgian e-money licence granted on 7 May 2013.

Cross-border reachRegional
Service scopeFull-service
Reader rating4.8

Active

VerifiedFCA 636179h

Bybit Payments GmbH

EMI · Austria

Verified active against the Austrian Financial Market Authority register. Bybit Payments GmbH holds licence 636179h and operates under current Austrian e-money authorisation.

Cross-border reachPan-European
Service scopeMulti-service

Active

VerifiedFCA C 91485

C2D Payment Solutions Ltd

EMI · Malta

Verified active. C2D PAYMENT SOLUTIONS LTD is authorised by the Malta Financial Services Authority under licence reference C 91485.

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

Active

VerifiedFCA C 102288

Calida Financial Ltd

EMI · Malta

Verified active. Calida Financial Ltd holds a current Maltese e-money licence (reference C 102288) that authorises safeguarding of customer funds.

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

Active

VerifiedFCA 22170545

Capital Financial Services S.A.

EMI · Romania

Verified active. CAPITAL FINANCIAL SERVICES S.A. holds a Romanian electronic money licence, reference 22170545, granted 25 April 2013.

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

Active

VerifiedFCA LB001901

CBI Money, UAB

EMI · Lithuania

Verified active. CBI Money, UAB holds a current Lithuanian e-money licence. The licence authorises safeguarding of customer funds, money remittance, and payment transaction execution.

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

Active

VerifiedFCA C36102

Ceevo Financial Services (Malta) Limited

EMI · Malta

Verified active. CEEVO FINANCIAL SERVICES (MALTA) LIMITED holds a current Malta e-money licence.

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

Active

VerifiedFCA 442441630

Fidelypay,Setrafi

EMI · France

Verified active. CENTRALPAY, trading as FIDELYPAY and SETRAFI, holds a current French e-money licence.

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

Active

VerifiedFCA 841033970

Checkout

EMI · France

Verified active. CHECKOUT holds a French electronic-money licence, authorised by the Autorité de Contrôle Prudentiel et de Résolution, reference 841033970.

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

Active

VerifiedFCA 953990934

Circle Internet Financial Europe SAS

EMI · France

Verified active. Circle Internet Financial Europe SAS is granted a French electronic money licence by the Autorite de Controle Prudentiel et de Resolution.

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

Active

VerifiedFCA LB001955

Clearshift, UAB

EMI · Lithuania

Verified active. Clearshift, UAB holds a current Lithuanian e-money licence (LB001955) issued by Bank of Lithuania.

Cross-border reachPan-European
Service scopeSpecialist
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.