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Electronic Money

From start-ups to global and established businesses, Buckingham Capital Consulting has been helping e-money businesses since 2013 to help scale across the UK and European financial markets by obtaining regulatory licences and meeting regulatory obligations. 

Since 2013, we have been helping 100's of clients navigate the regulatory complexities and challenges and support them grow and scale their business.

Our services include authorisation support (licencing), compliance, training and consulting. We help clients across the United Kingdom and Europe. 

Why leading firms choose us as their partner.

"We are thrilled with the exceptional service provided by Buckingham Capital Consulting throughout our journey to obtain the Electronic Money Institution license. Their expertise and guidance have been invaluable, resulting in outstanding outcomes for our business. them, we successfully acquired the license within a reasonable time-frame. Their in-depth knowledge of regulatory compliance and meticulous attention to detail ensured that our documentation was well prepared and aligned with the FCA's requirements."

We highly recommend Buckingham Capital Consulting to any business seeking to obtain an EMI license. Their professionalism, knowledge, and commitment to excellence have exceeded our expectations. Partnering with them has been a game-changer for our business, and we are grateful for their invaluable support."

Our services

We offer a range of services to help you launch your e-money business

Licence application support

Since 2013, we have been helping clients obtain electronic money institution licences across the UK and other European countries, including, Lithuania, Ireland, the Netherlands, and Germany.

Compliance support

We can help take care of your regulatory obligations including compliance, financial crime and audit under PSD2 requirements. 

Consulting & advisory

We can help you set up your payment business and advise you on how to go about doing so. Our services include company formation across Europe, card issuing set-up, systems and controls. 

Regulatory reporting support

We offer guidance and support to EMIs in preparing and submitting accurate regulatory reports required by the relevant authorities, ensuring adherence to reporting templates and data requirements.

Training and education

We offer training programs to keep EMIs updated on the latest regulatory changes, fostering a culture of compliance and continuous professional development.

Payment scheme participation

We provide guidance and support for EMIs to navigate and participate in various payment schemes, ensuring compliance with scheme rules and requirements.

Require something more bespoke or not listed above? contact us to discuss your requirements, as chances are that if it financial services-related we should be able to help with with our expertise and experience. 

Why Buckingham Capital Consulting

Whether its compliance, licencing or something else, its about being part of your journey. 

Expert Guidance

Buckingham Capital Consulting brings unparalleled expertise to the table. With our seasoned professionals and in-depth industry knowledge, we provide comprehensive guidance tailored to your specific needs.

We can help manage your compliance and training 

Our meticulous approach to compliance simplifies the complexities of regulatory requirements. We assess your operations, identify potential risks, and implement effective strategies to streamline compliance.

Proven Success

Buckingham Capital Consulting has a solid track record of helping businesses achieve successful outcomes. Our clients trust us for our demonstrated ability to secure licences, implement robust compliance frameworks, and provide ongoing support, resulting in long-term success and confidence in regulatory compliance.

Spiral Waves


Everything you need to know.   In one place.

We can help launch your e-money fintech

Issue cards & IBANS across the UK and Europe

We can help you provide branded debit cards to personal or business users issued by Visa or Mastercard.

Issue prepaid cards across the UK and Europe

We can help you provide cards for general spend, payroll, loyalty, travel, corporate expense or for other use.

Issue e-wallets across the UK and Europe

Enable your customers to store money and digital currency in digital wallets across multiple currencies.

Launch a global money transfer business solution

Enable your users to send money globally, across Asia, Europe, Africa and the rest of the world.

Launch payment processing and merchant services

With a single licence, enable merchants and retails, both physical and online, to accept card payments. 

Launch innovative payment solutions

Provide money management tools and open banking (AIS/PIS) solutions to your customers.

Recent successful work

Buckingham Capital Consulting helps Nexpay obtain FCA Authorised Payment Institution licence.

Buckingham Capital Consulting helps Onpoint Money Transfer obtain a payment institution licence in the UK to offer money transfer services.  

Buckingham Capital Consulting helps Hami obtain a payment institution licence in the UK to offer money remittance services. 

Buckingham Capital Consulting advises Global Send on obtaining the Authorised Payment Institution licence.

Buckingham Capital Consulting helps Dzing Financial obtain FCA Authorised Electronic Money Institution (AEMI) licence.

Buckingham Capital Consulting helps McMillan Cancer - one of Britain's largest charities obtain an FCA consumer credit licence to offer financial services.

Sectors we serve

Payment services

We work with start-ups to unicorns and offer bespoke support across licence authorisation, compliance and support across the UK and Europe.


We help retail, private and investment banks with authorisation applications, PRA & FCA compliance, financial crime and training.

Credit broking 

If you sell products and services and wish to offer customer finance, then we can help you become FCA authorisation.


We provide comprehensive assistance to general insurers and Lloyd's of London brokers across compliance, training and authorisation.


From buy now pay later to traditional lending models, we advise you on operations, strategy, authorisation, and ongoing compliance requirements.


We work with start-ups to established firms in helping with Electronic Money Institution licence authorisation applications, compliance, training, policy and more.


We help clients on financial crime and licence authorisation across a number of countries.

Investment services

We work with UK and European regulators and can help you become authorised to offer investment services as a regulated business.

Mortgage providers & brokers

We offer a range of services including compliance, training, and authorisation support, specifically tailored for mortgage providers and brokers.

Open banking

We help open banking firms, including account information service and payment initiation service providers, across compliance, training, and authorisation.

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