Verified provider profile

Nium

Nium is a UK (outside the EU/EEA) fintech-infrastructure provider (Card issuing software, IBAN sponsor, Cross-border payments / FX). Verified at source - licence, regulator and registry reference. Active

UK · UK / SingaporeEEA data: PartialLicence: EMIVerified at source 2026-07-19
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Who it's for

Nium 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. Verified stand-outs: local IBANs in GB, LT, MT.

Sovereignty profile

  • Data residency (EEA): Partial - partly in the EEA - check the rail
  • Company origin: UK (UK / Singapore)
  • Ownership / control: no change of control on record
  • Local IBANs: GB; LT; MT
  • Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed

What Nium does

Card issuing softwareIBAN sponsorCross-border payments / FX

Capabilities & rails

  • Payment rails (documented): SCT · SCT Inst · FPS · SWIFT
  • Account model: Virtual
  • Account currencies: EUR; GBP

Verified licence profile

Nium (UK; + Singapore) - global cross-border payments and card issuing with APAC roots. EMI FCA (UK) + EMIs in Lithuania and Malta (EEA).

Verified 2026-07-19. How we verify → · Official website: nium.com · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - Malta Financial Services Authority · Ref C 98342 · Active (EBA PSD2 register, as of 2026-09-18)
  • E-money institution (EMI) - Bank of Lithuania · Ref LB000420 · Active (EBA PSD2 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.

European alternatives to Nium

  • Paysera EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Card issuing software, Cross-border payments / FX, Card form: Virtual / Physical, Local IBANs
  • Bankera EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Card issuing software, Card form: Virtual / Physical, Accounts: Virtual, Local IBANs
  • ConnectPay EU core EMI Lithuania · EEA: YesShared: Card issuing software, IBAN sponsor, Card form: Virtual / Physical, Accounts: Virtual, Local IBANs
  • Striga EU core EMI Luxembourg · EEA: YesShared: Card issuing software, IBAN sponsor, Card form: Virtual / Physical, Accounts: Virtual, Local IBANs
  • Wallester EU core EMI Estonia · EEA: YesShared: Card issuing software, IBAN sponsor, Card form: Virtual / Physical, Accounts: Virtual, Local IBANs
  • Genome EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Card form: Virtual / Physical, Local IBANs

FAQ

Is Nium European / EEA-based?

Partly. Nium is UK origin (UK / Singapore); part of its rail or data sits outside the EEA - check the licence profile.

What does Nium do?

Nium covers: Card issuing software, IBAN sponsor, Cross-border payments / FX. Verified at source by Fintechnologica.

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