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E-money
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Sector

E-money.

Wallets, prepaid cards, virtual IBANs and Banking-as-a-Service programmes. Licensing, safeguarding and programme banking for firms that issue electronic money.

Speak to an expertLicence guide

Firms we have licensed.

Selected engagements from more than 250 licences obtained since 2013, for payment, e-money and cryptoasset firms.

Since 2013Advising global payment firms
60+Countries licensed in
250+Licences obtained globally
Clients
ClearBankVolkswagenMacmillan Cancer SupportRoyal College of MusicStaysureOval MoneyEMQCentus
dzingElectronic Money Institution

Obtained Dzing Finance’s FCA Authorised Electronic Money Institution licence.

hryzeElectronic Money Institution

Obtained Hryze’s FCA Electronic Money Institution licence.

moneliqVariation of Permission

Obtained Moneliq’s FCA PSD2 variation of permission.

How we act for the sector.

We obtain the EMI licence, open the safeguarding accounts and set up the card scheme programmes for e-money institutions, wallet providers, card programmes and BaaS platforms, with safeguarding run on Safeheld.

EMI licensing

Authorisation and small EMI registration in the United Kingdom and every EU and EEA state.

Safeguarding

Safeguarding accounts and daily reconciliation on Safeheld.

Card programmes

Scheme membership, issuing processors and BIN sponsorship.

Programmes

BaaS and programme access while the licence is in progress.

How we work.

  • Senior-ledThe same senior team handles your application from the first call to approval, including every question the regulator raises.
  • Same dayA reply within three business hours and a written proposal the same day: the licence, the requirements, the cost and the timing.
  • ConfidentialYour plans, your application and any listing stay private. Clients are named only with their agreement.
  • Live workspaceDocuments, regulator questions, messages and progress in a shared client workspace, visible to your team at every stage.

Why firms choose BCC.

  • OperatorsWe have run regulated payment businesses, held regulator-approved roles and licensed payment firms in more than 60 countries since 2013.
  • One teamOne in-house team runs the whole programme, from the application to the day you go live.
  • ArrangedBank and safeguarding accounts, card issuing and payment processing, arranged directly through our relationships with banks, card schemes, issuers and processors.

Related.

Licensing

Licence guide

The regulator, the capital, the fees and the timeline.

Service

Banking and Payment Processing

Accounts and processing for the sector.

Service

Financial Crime

Frameworks built for the sector’s flows.

Further reading.

Guide

Procedure to Become a UK Electronic Money Institution: EMI Licence Guide 2026

How to obtain an FCA EMI licence in 2026: authorised and small EMI, €350,000 capital, £5,640 fee, CASS 15 safeguarding, documents, timeline and ongoing duties.

Guide

EU Payment Institution and EMI Licensing 2026: Which Jurisdiction Should You Choose?

Compare Lithuania, Ireland, Malta, the Netherlands, Luxembourg, France, Germany and Spain for an EU payment institution or EMI licence in 2026: fees and timing.

Guide

FCA Compliance for Electronic Money Institutions 2026: Complete Guide

FCA compliance for UK e-money institutions in 2026: €350,000 capital, Method D, CASS 15 safeguarding, REP027, the safeguarding audit, Consumer Duty and returns.

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The licence, the banking and the timing for your business.

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