Electronic Money Institutions
Digital-first accounts for modern businesses
Licensed EMIs offering IBANs, multi-currency accounts, and payment services without the overhead of a full bank.
Regulated
Licensed under EMD2 by EBA-member national regulators across the EU/EEA.
Multi-currency
Most EMIs support 10–50+ currencies with competitive FX rates.
Fast onboarding
Digital KYC means accounts can be opened in days, not weeks.
Business-first
Designed for SMEs, startups, and international operations.
500 Electronic Money Institutions listed
Select 2+ to compareThe global financial superapp for businesses
International business accounts with real exchange rates
Global financial infrastructure for modern businesses
Global payment account for personal and business use
Multi-currency business accounts for global companies
All payment solutions in one place
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by Bank of Lithuania in Lithuania
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by FCA in United Kingdom
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by IS CBI in Iceland
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by SE FINA in Sweden
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
🇸🇮 Slovenia
Electronic Money Institution regulated by Bank of Slovenia in Slovenia
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by FMA Liechtenstein in Liechtenstein
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by National Bank of Belgium in Belgium
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Finantsinspektsioon Estonia in Estonia
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by SE FINA in Sweden
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by National Bank of Romania in Romania
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Croatian National Bank in Croatia
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
🇨🇾 Cyprus
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by IS CBI in Iceland
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by Finantsinspektsioon Estonia in Estonia
🇪🇸 Spain
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by SE FINA in Sweden
Electronic Money Institution regulated by Bank of Slovenia in Slovenia
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by National Bank of Belgium in Belgium
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by HU CBH in Hungary
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
🇸🇮 Slovenia
Electronic Money Institution regulated by Bank of Slovenia in Slovenia
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Bank of Greece in Greece
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by Czech National Bank in Czech Republic
🇸🇮 Slovenia
Electronic Money Institution regulated by Bank of Slovenia in Slovenia
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LT BL in Lithuania
🇵🇱 Poland
Electronic Money Institution regulated by PL PFSA in Poland
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
🇧🇪 Belgium
Electronic Money Institution regulated by National Bank of Belgium in Belgium
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
🇨🇾 Cyprus
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by HU CBH in Hungary
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by National Bank of Romania in Romania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by Bank of Greece in Greece
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by FMA Liechtenstein in Liechtenstein
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by National Bank of Belgium in Belgium
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by DK DFSA in Denmark
🇨🇾 Cyprus
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by HU CBH in Hungary
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by Finantsinspektsioon Estonia in Estonia
Electronic Money Institution regulated by SE FINA in Sweden
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by FMA Liechtenstein in Liechtenstein
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by LT BL in Lithuania
🇵🇱 Poland
Electronic Money Institution regulated by PL PFSA in Poland
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by FMA Liechtenstein in Liechtenstein
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by SE FINA in Sweden
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by SE FINA in Sweden
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by National Bank of Slovakia in Slovakia
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by DK DFSA in Denmark
🇸🇮 Slovenia
Electronic Money Institution regulated by Bank of Slovenia in Slovenia
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Bank of Greece in Greece
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
🇨🇾 Cyprus
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by SE FINA in Sweden
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by FMA Liechtenstein in Liechtenstein
Electronic Money Institution regulated by Croatian National Bank in Croatia
🇪🇸 Spain
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by Croatian National Bank in Croatia
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by National Bank of Belgium in Belgium
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by National Bank of Romania in Romania
Electronic Money Institution regulated by Croatian National Bank in Croatia
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Bulgarian National Bank in Bulgaria
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by IS CBI in Iceland
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by PT BP in Portugal
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
🇬🇷 Greece
Electronic Money Institution regulated by Bank of Greece in Greece
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by PT BP in Portugal
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by HU CBH in Hungary
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by Finnish FSA in Finland
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by Bank of Italy in Italy
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by CSSF Luxembourg in Luxembourg
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by FMA Liechtenstein in Liechtenstein
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by Finanstilsynet Norway in Norway
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by ES BE in Spain
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by HU CBH in Hungary
Electronic Money Institution regulated by LT BL in Lithuania
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by BaFin Germany in Germany
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by Central Bank of Ireland in Ireland
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by Central Bank of Cyprus in Cyprus
Electronic Money Institution regulated by DK DFSA in Denmark
Electronic Money Institution regulated by MFSA Malta in Malta
Electronic Money Institution regulated by Czech National Bank in Czech Republic
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by ACPR France in France
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
🇧🇪 Belgium
Electronic Money Institution regulated by National Bank of Belgium in Belgium
Electronic Money Institution regulated by LV LV in Latvia
Electronic Money Institution regulated by De Nederlandsche Bank in Netherlands
Electronic Money Institution regulated by Czech National Bank in Czech Republic
What are Electronic Money Institutions?
Electronic Money Institutions (EMIs) are regulated financial entities authorised to issue electronic money and provide payment services. Unlike traditional banks, EMIs offer faster onboarding, lower fees, and modern digital-first interfaces — making them ideal for startups, international businesses, and companies that need multi-currency accounts without the complexity of a full banking relationship. EMIs in the EU are regulated under the Electronic Money Directive (EMD2) and supervised by national competent authorities.
Frequently asked questions
Are EMIs safe?
EMIs are regulated by national financial authorities and must hold client funds in safeguarded accounts separate from their own capital. However, unlike banks, EMI deposits are not covered by deposit guarantee schemes (DGS) up to €100,000.
Can an EMI replace a bank account?
For most business payment needs, yes. EMIs provide IBANs, SEPA transfers, SWIFT, and card issuance. They lack lending products like overdrafts or loans.
How long does EMI onboarding take?
Most EMIs complete KYC/KYB in 1–5 business days for straightforward applications. Complex structures or high-risk industries may take 2–4 weeks.