EMIs & payment institutions
Licensed EMIs and PIs, IBAN accounts.
Corpay Cross-Border
Corpay Cross-Border is the international payments and foreign exchange business of the Corpay group, serving companies, financial institutions and platforms…
Contomobile
Contomobile is a Lithuanian electronic money institution, Contomobile UAB, licensed by the Bank of Lithuania under licence number 5. Its published address is…
Clearshift
Clearshift is a provider of international payments and currency exchange for companies, educational institutions, non-profit organisations and private clients…
Clear Junction
Clear Junction is a British electronic money institution and the head of a group of institutional payment companies, with Clear Junction Limited registered at…
CentralPay
CentralPay is a French electronic money institution authorised by the ACPR, with licence reference 17138, according to the provider's official website. It…
B4B Payments
B4B Payments is a platform that combines payment accounts, card issuing, foreign exchange, spend management and embedded finance for companies. It belongs to…
Andaria
Andaria is an electronic money institution group that provides embedded finance, payment accounts, payment infrastructure and card programmes for companies in…
Altery
Altery provides electronic payment accounts and money transfers through two licensed entities. Altery Ltd is the UK electronic money institution, listed under…
Juni
Juni offers multi-currency business accounts, cards and settlements for companies, with integration to the Fortnox accounting system. The legal entity is Juni…
ISX Financial
ISX Financial offers corporate e-money accounts, open banking and payment processing through ISXMoney, ISXPay and PaidBy. The group is Xryma Plc Group, and the…
IFX Payments
IFX Payments runs the ibanq platform for multi-currency business accounts, named virtual IBANs, sub-accounts and mass payouts. The UK entity is IFX (UK) Ltd…
ibsettle
ibsettle provides e-money accounts for companies and individuals, allowing them to receive, hold, exchange and send funds. The legal entity is ibsettle UAB…
iBanFirst
iBanFirst is a payment institution for international business settlements. The Belgian entity, iBanFirst S.A., is supervised by the National Bank of Belgium…
Guru Pay
Guru Pay provides payment accounts with dedicated IBANs for companies and private clients. The legal entity is UAB Guru Pay, an electronic money institution…
Glocash
Glocash is a licensed payment company for cross-border e-commerce. The legal entity named is UAB Glocash Payment, an electronic money institution licensed by…
Genome
Genome is a licensed European financial platform offering business accounts, acquiring and partner payment solutions. The operating entity is UAB Maneuver LT…
GC Partners
GC Partners provides international transfers and currency settlements for businesses and private clients. The UK entity is Global Currency Exchange Network…
Freemarket
Freemarket is a payments provider for cross-border business settlements, with payment accounts, currency conversion and an API. The UK entity is FreemarketFX…
EMIs & payment institutions by country
Related subsections
What an EMI is
An electronic money institution (EMI) is licensed to issue e-money and provide payment services, but not to lend or take deposits like a bank. Client funds are held in safeguarding accounts at partner banks. For payment companies, EMIs are often the most accessible way to get an IBAN account, multi-currency balances and instant transfers. A related category, the payment institution (PI), offers payment services without issuing e-money.
Why payment businesses use EMIs
- Faster, mostly online onboarding compared with traditional banks.
- Virtual IBANs to assign to merchants or clients and reconcile automatically.
- SEPA Instant, Faster Payments and SWIFT through one API.
- Some EMIs serve high-risk segments — iGaming, forex, crypto-related businesses — that banks avoid.
- Card issuing and payout products built on top of the account.
Risks to understand
- Safeguarded money is protected differently from bank deposits; read how the EMI segregates funds.
- EMIs depend on partner banks — if a partner exits, services can change at short notice.
- Account limits and enhanced checks can apply as turnover grows.
- Not every EMI can serve every country of incorporation or every industry.
How to choose an EMI business account
- Licence type and regulator; where the EMI passports its services.
- Currencies, rails and correspondent coverage you actually need.
- Pricing: opening fee, monthly fee, per-transfer charges, FX margin.
- API quality and support for bulk payouts.
- Policy on your vertical and on non-resident companies.
By country
EMI pages by jurisdiction: UK, Lithuania, Malta, Latvia, Poland. If you want your own licence instead, see payment licensing; for card programmes on top of an account, see BIN sponsors & BaaS.
Nominal hub lists institutions but does not open accounts on their behalf. Check Offers or post a request.