Electronic Money Institution Authorised

SIA ''xpate"

Trading as: xpate

Entity code

LV_FCMC!854

Supervising NCA

LV_LV

Home country

Latvia

National ref. code

40203411426

First authorised

5 Oct 2023

Last verified

22 Jul 2026

Authorised services

✓ Issuing electronic money ES_010
✓ Credit transfers PS_03A
✓ Direct debits PS_03B
✓ Card payments PS_03C
✓ PS_04A PS_04A
✓ Issuing payment instruments PS_04B
✓ PS_04C PS_04C
✓ Money remittance PS_05A
✓ Currency conversion PS_05B

Passporting

This institution is authorised to provide services in 28 additional EEA countries.

Country	Services
Austria	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Belgium	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Bulgaria	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Croatia	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Cyprus	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Czech Republic	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Denmark	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Estonia	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Finland	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
France	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Germany	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Greece	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Hungary	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Iceland	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Ireland	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Italy	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Liechtenstein	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Lithuania	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Luxembourg	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Malta	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Netherlands	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Poland	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Portugal	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Romania	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Slovakia	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Slovenia	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Spain	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion
Sweden	Issuing electronic money, Credit transfers, Direct debits, Card payments, PS_04A, Issuing payment instruments, PS_04C, Money remittance, Currency conversion

About Electronic Money Institutions

Electronic money institutions are authorised under the Electronic Money Directive (2009/110/EC) to issue electronic money and provide payment services. EMIs may passport across the EEA under a single authorisation.