Authorised Electronic Money Institution (AEMI)
Where: United Kingdom — FCA. We build the file, submit it and follow it through to the decision of the competent authority. The authorisation is granted to your company; no decision can be guaranteed.
Updated on 3 November 2026 · Published under the responsibility of Jason Pivron, director · Who we are
Capital, as recorded in our catalogue
Adequate capital under the EMRs and the model
Held by your company; not part of our fees.
What the file covers
FCA file, governance, safeguarding and financial controls.
- Assembling the regulatory file and responding to further requests.
- Monitoring of ongoing obligations (capital, reporting, supervision).
EU EMI or UK AEMI?
| Authorised Electronic Money Institution (AEMI) | Electronic money institution (EMI) authorisation | |
|---|---|---|
| Where | United Kingdom — FCA | EU / EEA |
| Capital (catalogue) | Adequate capital under the EMRs and the model | €350,000 initial capital |
| Scope | FCA file, governance, safeguarding and financial controls. | Issuance of electronic money and authorised payment services. |
| Our fees | From 111,701 € | From 87,390 € |
One is granted in a member state of the EU / EEA, the other by the FCA in the United Kingdom, as our catalogue states. The choice is made during the call, for your clients and your flows.
How the file runs
The same five steps for every licence: a 20-minute call, a firm quote, the regulatory file (here: fca file, governance, safeguarding and financial controls), filing and follow-up to the decision of FCA, then what follows the decision. The steps in detail →
After the decision: The authorisation stands until the authority withdraws it or it is surrendered: nothing to renew, but ongoing fees and obligations (capital, reporting, supervision). Reviewed on 30 September 2026
Fees
Excluding tax and regulatory capital; government and regulator fees included; firm quote before signature.
In this family (E-money, payment institutions and open banking), our starting fees range from 11,290 € to 111,701 €.
Documents required
The list for « Authorised Electronic Money Institution (AEMI) » is given after the call, in your client space. The baseline documents →
Our guides on this subject
Questions
Where can the Authorised Electronic Money Institution (AEMI) be obtained?
United Kingdom, from FCA (United Kingdom — FCA).
What capital is required?
Adequate capital under the EMRs and the model.
How much does it cost?
Our prices start at 111,701 €, then 39,990 € per year, excluding tax. Government fees are included; regulatory capital is not. A firm quote is issued before any signature.
What does the file cover?
FCA file, governance, safeguarding and financial controls.
Does the Authorised Electronic Money Institution (AEMI) have to be renewed?
The authorisation stands until the authority withdraws it or it is surrendered: nothing to renew, but ongoing fees and obligations (capital, reporting, supervision). (Reviewed on 30 September 2026.)
Is the licence guaranteed?
No. The authorisation is granted to your company by the competent authority, never by us: we build the file, submit it and follow it through to the decision, which no one can guarantee.
Other licences in the United Kingdom
The same family, elsewhere
Where these figures come from
Information from our catalogue as of 16 October 2026. Checked again with FCA before any filing; not advice.