Equals Money
Equals Money is a UK (outside the EU/EEA) fintech-infrastructure provider (Card issuing software, BIN sponsor, Cross-border payments / FX). Verified at source - licence, regulator and registry reference. Active
Who it's for
Equals Money is built for teams creating and controlling payment cards via API. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
- Card scheme: US scheme - Mastercard (the elephant in the room)
- Card issuing reach (BIN): UK - No
What Equals Money does
Capabilities & rails
- Card products: Prepaid; Debit
- Settlement currencies: GBP; EUR; USD; CHF; CZK; DKK; HUF; NOK; PLN; RON; SEK
Verified licence profile
Equals Money (UK) - Mastercard card issuing, FX and multi-currency accounts. FCA EMI + PI (UK). Merged with Railsr in 2025 (now 'Equals'); GBP 58bn+ volume. Group rebranded to Equals (Jun 2026; GBP 58bn+ annual volume).
Verified 2026-07-12. How we verify → · Spotted something out of date? Report a correction. · Are you Equals Money? Work with us →
Official register entries
- Payment institution (PI) - National Bank of Belgium · Ref 0849185510 · Active (EBA PSD2 register, as of 2026-07-18)
- Payment institution (PI) - Financial Conduct Authority (FCA) · Ref 488396 · Active (FCA Financial Services Register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Known to power
- Bloxley (runs-on) — Neobank Bloxley powers its European financial infrastructure on Equals Money | Railsr (PR Apr 2026)
Timeline
- 2026-06 [rebrand] Group rebranded to Equals
European alternatives to Equals Money
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
🏦 Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.
Enfuce (Finland) - card-as-a-service and BIN sponsorship across the EEA and UK; Visa & Mastercard Principal Member. Dual EMI (FIN-FSA + UK FCA, via Enfuce License Services). Visa holds a stake.
🏦 Local IBANs: LT
Genome (UAB Maneuver, Lithuania; since 2018) - LT IBANs, accounts and cards. EMI LB000453 (Bank of Lithuania).
IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.
FAQ
Is Equals Money European / EEA-based?
Equals Money is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does Equals Money do?
Equals Money covers: Card issuing software, BIN sponsor, Cross-border payments / FX. Verified at source by Fintechnologica.