# UK EMI authorisation: assessment headings

> Treating an EMI application as a product integration falls short.

Canonical: https://legichain.com/en/resources/uk-emi-authorisation-assessment

Treating an EMI application as a product integration falls short. Scope of activity, governance, capital and operational requirements must be assessed together.

## Entity and activity

Clarify which e-money or payment services will be offered. Do not choose the application type by looking at another organisation's example; verify the scope against current FCA statements.

## Capital and currency

Read the capital amount together with the licence type and the applicable calculation rule. Do not rewrite euro amounts in FCA documents as sterling; do not present a currency conversion as a legal threshold.

## Operations and controls

Identity checks, risk review, record-keeping and the use of outsourced services are only one part of application preparation. Instead of guaranteeing a fixed cost or completion time, build an institution-specific preparation plan.

## Sources

- [Apply to be an e-money or payment institution](https://www.fca.org.uk/firms/apply-emoney-payment-institution)
- [SUP 16 Annex 30HD — official reporting document](https://api-handbook.fca.org.uk/files/form/sup/SUP_16_Annex_30HD.pdf)

_Sources were checked as part of the review dated 9 September 2026. Refer to the official text for current provisions._

> This content is general information. Determine the requirements that apply to your institution from current official sources and your own assessment process.

**See the related product scope** → [Payment and e-money solution](https://legichain.com/en/solutions/e-money)

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