EMIs & payment institutions
Licensed EMIs and PIs, IBAN accounts.
FinXP
FinXP offers corporate euro IBANs, card programmes and settlement infrastructure for companies and financial platforms. The operating entity is FinXP Limited…
Finseta
Finseta offers multi-currency accounts, international and mass payments, and payment cards to businesses and private clients. The service previously operated…
Finom
Finom provides business accounts for European companies and freelancers, with a local IBAN, payments, invoicing and accounting integrations. The listed…
FINCI
FINCI is a Lithuanian electronic money institution, Finci, UAB, supervised by the Bank of Lithuania under licence number 60. It offers a multi-currency…
Fiat Republic
Fiat Republic is B2B payment infrastructure built specifically for crypto platforms. Through a single API it provides fiat accounts, named virtual IBANs for…
EQWIRE
EQWIRE offers multi-currency named accounts and international payments for businesses and professionally active private clients. The operating company is…
Equals
Equals, also trading as Equals Money, is a UK provider of international payments, multi-currency accounts and corporate cards, with embedded finance for…
Em@ney
Em@ney is a Maltese electronic money institution founded in 2012 and licensed by the Malta Financial Services Authority under the European E-Money Directive…
Edenred Payment Solutions
Edenred Payment Solutions is a provider of card issuing, payment accounts and payment processing that partners use to build their own financial products. It…
ECOMMBX
ECOMMBX is a Cyprus-based electronic money institution that gives companies corporate accounts with a CY IBAN, international payments and Visa cards. It is…
Ebury
Ebury is a London-based foreign exchange and international payments provider for businesses, scale-ups and enterprises, and for financial institutions and…
dtcpay
dtcpay is a Singapore payment company, operated by Digital Treasures Center Pte Ltd, that connects fiat and stablecoins for businesses. It covers business…
DiPocket
DiPocket is an electronic money institution that provides ready-made infrastructure for card issuing and payouts, including BIN sponsorship and virtual IBANs…
Demivolt
Demivolt is a payment infrastructure provider for businesses, fintechs and card-programme managers. It is operated by DEMIVOLT UAB, a Lithuanian electronic…
Currenxie
Currenxie is a cross-border finance platform for businesses that combines a multi-currency Global Account, FX, bulk payments and a corporate Visa card. A…
Currency Solutions
Currency Solutions is a UK foreign exchange and international payments provider for companies and private individuals, founded in 2003. It operates through an…
Bruc Bond
Bruc Bond provides B2B payment accounts, international settlements and foreign-exchange services. Its main legal entity is Bruc Bond Pte. Ltd. in Singapore…
Blue EMI
Blue EMI is a Lithuanian electronic money institution that provides payment solutions for e-commerce and crowdfunding. The legal entity is Blue EMI LT, UAB…
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.