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
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)
- Local IBANs: GB; LT; MT
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
What Nium does
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 How we verify → · Spotted something out of date? Report a correction. · Are you Nium? Work with us →
Official register entries
- E-money institution (EMI) - Malta Financial Services Authority · Ref C 98342 · Active (EBA PSD2 register, as of 2026-07-18)
- E-money institution (EMI) - Bank of Lithuania · Ref LB000420 · Active (EBA PSD2 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.
European alternatives to Nium
🏦 Local IBANs: LT
Genome (UAB Maneuver, Lithuania; since 2018) - LT IBANs, accounts and cards. EMI LB000453 (Bank of Lithuania).
🏦 Local IBANs: LT
Paysera (Lithuania; since 2012) - LT IBANs, SEPA, multi-currency accounts and cards. EMI LB000251 (Bank of Lithuania).
🏦 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
Bankera (Lithuania) - business and personal banking (LT IBANs, SEPA/SWIFT, cards) operated via UAB Pervesk (EMI, Bank of Lithuania). Earlier 2017-18 ICO-funded history.
🏦 Local IBANs: GB DE LU
Banking Circle S.A. (Luxembourg) - cross-border banking, accounts, payments and settlement for banks, PSPs and fintechs; issues the EURI euro stablecoin. Credit institution, CSSF (LUB00000408); not the unrelated 'Circle Group S.A.'.
🏦 Local IBANs: LT
ConnectPay (Lithuania) - BaaS and embedded finance for platforms (accounts, payments, cards). EMI No. 24 (Bank of Lithuania); PIS/AIS extension 2024.
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.