About Licensed EMIs

Every institution in licensedemis holds a current, valid e-money license issued by a European competent authority. This register cross-references three authoritative sources: the European Banking Authority Central Licensing and Information Database (EBA EUCLID), the Financial Conduct Authority Financial Services Register (FCA FSR), and national competent authorities (NCAs) across the European Economic Area. Verification occurs nightly against these live registers. If an entry here differs from official records, the official records are correct - report discrepancies immediately.

What we verify

Each institution's regulatory status as an electronic money institution (EMI) under the Electronic Money Directive. The register confirms:

• Current license validity and issue date
• Authorizing competent authority name and country
• Registered business name and legal entity identifier (LEI) where available
• License scope (general e-money or limited e-money)
• Regulatory authorization type (full authorization or registration as limited EMI)

The register does not cover payment institutions that are not classified as EMIs, historical licenses withdrawn before 2018, or crypto-asset service providers (CASPs) regulated under the Markets in Crypto-Assets Regulation (MiCAR). These fall outside EMI scope.

How we verify it

Data originates from three primary sources. The EBA EUCLID database provides consolidated licensing records across EU and EEA member states. The FCA FSR supplies UK-authorized EMI records. National competent authorities - including financial regulators in each member state - maintain authoritative records for their respective jurisdictions.

Each entry is matched against these sources by legal name, LEI, and authorization reference number. Cross-checks confirm consistency across registers. Where an institution appears in multiple registers (for example, a branch operation), the primary authorizing authority is identified.

Where the data gaps are

Some member states publish limited public information on EMI licensees. Certain NCAs restrict detailed disclosures for data protection reasons. Historical licensing data before 2018 is not comprehensively indexed across all registers. Withdrawn licenses are removed from this register and not archived. Branches of third-country EMIs may not appear if the authorizing state does not publish branch-level detail.

Refresh cadence

The register updates nightly. Each entry is automatically checked against EBA EUCLID, the FCA FSR, and available NCA registers. Changes - new authorizations, license withdrawals, or status updates - appear within 24 hours of official publication. Critical updates are flagged when detected.