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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

165 institutions · defunct

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All Active Defunct Withdrawn Inactive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 900824

Airwallex (UK) Limited

EMI · United Kingdom

Verified defunct. AIRWALLEX (UK) LIMITED was authorised by the Financial Conduct Authority under licence reference 900824.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900936

Alipay (Europe) Limited S.A.

EMI · United Kingdom

Verified defunct. Alipay (Europe) Limited S.A. holds a former UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900470

Allstar Business Solutions Limited

EMI · United Kingdom

Verified defunct. Allstar Business Solutions Limited held a UK electronic money institution licence from the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900946

Amazon Payments Europe S.C.A.

EMI · United Kingdom

Verified defunct. Amazon Payments Europe S.C.A. was previously granted an Electronic Money Institution licence, reference 900946, by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900039

American Express Advanced Services Europe Limited

EMI · United Kingdom

Verified defunct. American Express Advanced Services Europe Limited held licence reference 900039, a former UK electronic money institution licence as recorded by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900002

APS Financial Ltd

EMI · United Kingdom

Verified defunct. APS Financial Ltd was an electronic money institution authorised by the FCA under licence reference 900002.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 953678

ASOS Payments UK Limited

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register. ASOS Payments UK Limited is a defunct electronic-money institution under licence reference 953678.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900961

Authoripay Emoney Ltd

Small EMI · United Kingdom

Status as at the last register cross-check: defunct. Authoripay Emoney Ltd holds a UK Small EMI licence, reference 900961.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900023

Blackhawk Network (UK) Ltd

EMI · United Kingdom

Verified defunct. Blackhawk Network (UK) Ltd held a UK electronic money licence, numbered 900023, under the Financial Conduct Authority, cross-checked against the FCA register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902082

Blakeney Ventures Ltd

EMI · United Kingdom

Verified defunct. Blakeney Ventures Ltd is recorded by the Financial Conduct Authority under licence reference 902082.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901058

Britannia Global Payments Limited

EMI · United Kingdom

Verified defunct. Britannia Global Payments Limited was an EMI authorised by the FCA under reference 901058.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 929580

Calico Capital Limited

EMI · United Kingdom

Verified defunct. Calico Capital Limited held a UK Electronic Money Institution licence granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901117

CBI Money UAB

EMI · United Kingdom

Verified defunct. CBI Money UAB held a United Kingdom electronic money institution licence, reference 901117, under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA 901005

Centralpay

EMI · United Kingdom

Verified defunct. CENTRALPAY held a former UK e-money licence granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900027

CFS-ZIPP Limited

EMI · United Kingdom

Verified defunct. CFS-ZIPP Limited in the United Kingdom was authorised by the Financial Conduct Authority under licence reference 900027.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901059

Checkout SAS

Small EMI · United Kingdom

Verified defunct. Checkout SAS, a United Kingdom small electronic money institution, held register reference 901059 authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900696

Clear Junction Digital Limited

Small EMI · United Kingdom

Verified defunct. Clear Junction Digital Limited held a former small electronic money institution licence in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902103

Cledara Ltd

EMI · United Kingdom

Verified defunct. Cledara Ltd held a financial conduct authority licence covering safeguarding of customer funds; distribution and redemption; issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900024

ClickandBuy International Ltd

EMI · United Kingdom

Verified defunct. ClickandBuy International Ltd. held a UK Electronic Money Institution licence.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900109

Cloudzync Ltd

Small EMI · United Kingdom

Verified defunct. Cloudzync Ltd held a Small EMI licence, reference 900109, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900590

Comcarde Limited

Small EMI · United Kingdom

Verified defunct. Comcarde Limited was authorised by the FCA under licence reference 900590 as a small electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901065

Contactpay Solution Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register. CONTACTPAY SOLUTION LTD holds UK e-money licence 901065.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.8

Defunct

VerifiedFCA 936014

Conto Group Limited

Small EMI · United Kingdom

Verified defunct. Conto Group Limited was a Small EMI registered in the United Kingdom. It was authorised by the Financial Conduct Authority to safeguard customer funds and issue electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 902009

Contomobile UAB

EMI · United Kingdom

Verified against the FCA Financial Services Register. Contomobile UAB holds licence reference 902009 under the Financial Conduct Authority's oversight.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900186

Cornercard UK Limited

EMI · United Kingdom

Status as at the last register cross-check: defunct. Cornercard UK Limited is an electronic money institution authorised by the Financial Conduct Authority under licence reference 900186.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901015

Corner Europe AG

EMI · United Kingdom

Verified defunct. Corner Europe AG is listed by the Financial Conduct Authority under licence reference 901015.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901119

Corporate Services UAB

EMI · United Kingdom

Verified against the FCA Financial Services Register. Corporate Services UAB holds licence reference 901119 under UK jurisdiction.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900014

Costa Card ELMI Limited

EMI · United Kingdom

Verified defunct. Costa Card ELMI Limited held a UK e-money licence (reference 900014) under FCA regulation.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900879

Decent Finance Ltd

EMI · United Kingdom

Verified defunct. Decent Finance Ltd held a UK Financial Conduct Authority licence, reference 900879.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Defunct

VerifiedFCA 900848

Disberse Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register. Disberse Limited holds - or held - a Small EMI licence under reference 900848.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900777

DLocal Limited

Small EMI · United Kingdom

Verified against the FCA Financial Services Register. DLocal Limited held a Small EMI licence issued by the Financial Conduct Authority under reference 900777.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900982

Dock Financial S.A.

EMI · United Kingdom

Status as at the last register cross-check: defunct. Dock Financial S.A., a United Kingdom-registered entity, is an electronic money institution regulated by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900847

EBANX Limited

EMI · United Kingdom

Verified defunct. EBANX Limited held a UK Electronic Money Institution licence, authorised by the Financial Conduct Authority, reference 900847.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900884

EcommBX Limited

EMI · United Kingdom

Licence status: defunct. EcommBX Limited held FCA authorisation under reference 900884. The entity was registered to conduct issuance of electronic money, safeguarding of customer funds, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 900618

EMEX Technologies Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register. EMEX Technologies Limited holds licence reference 900618 as a United Kingdom e-money institution.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901106

EML Money DAC

EMI · United Kingdom

Verification indicates EML Money DAC is defunct. The entity holds a UK e-money licence (EMI) granted to the FCA, reference 901106.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

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.