Verified provider profile

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

UKEEA data: NoLicence: EMIVerified at source 2026-07-12
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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)
  • Ownership / control: no change of control on record
  • Card scheme: US scheme - Mastercard (the elephant in the room)
  • Card issuing reach (BIN): UK - No

What Equals Money does

Card issuing softwareBIN sponsorCross-border payments / FX

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 How we verify → · Official website: equalsmoney.com · Spotted something out of date? Report a correction.

Official register entries

  • Payment institution (PI) - National Bank of Belgium · Ref 0849185510 · Active (EBA PSD2 register, as of 2026-09-18)
  • Payment institution (PI) - Financial Conduct Authority (FCA) · Ref 488396 · Active (FCA Financial Services Register, as of 2026-09-18)

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

  • Enfuce EU core EMI Finland · EEA: YesShared: Card issuing software, BIN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical
  • Paynovate EU core EMI Belgium · EEA: YesShared: BIN sponsor, Card issuing software, Cards: Prepaid / Debit, Card form: Virtual / Physical
  • Pecunpay EU core EMI Spain · EEA: YesShared: Card issuing software, BIN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical
  • Swan EU core EMI France · EEA: YesShared: Card issuing software, BIN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical
  • Wallester EU core EMI Estonia · EEA: YesShared: Card issuing software, BIN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical
  • Walletto EU core EMI Lithuania · EEA: YesShared: BIN sponsor, Card issuing software, Cards: Prepaid / Debit, Card form: Virtual / Physical

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.

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