Estonia · Payments & e-money
Maaelu Edendamise Hoiu-Laenuuhistu
Legal name in the LEI recordMaaelu Edendamise Hoiu-laenuühistu
Maaelu Edendamise Hoiu-laenuühistu (ME HLÜ) is an Estonian savings and loan association based in Järva-Jaani. Its legal form is a limited-liability commercial cooperative. Finantsinspektsioon, the Estonian Financial Supervision Authority, authorises it as a payment institution under licence 4.1-1/80 of 24 October 2012. Its members own it. It takes term deposits from its members and lends to them, mostly against mortgages. It also offers payment accounts, domestic transfers and cash services to individuals and businesses in Estonia.
Licences and registrations
Held by Maaelu Edendamise Hoiu-laenuühistu (LEI 64880I7I463DRZT83Y16). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterEstonian Financial Supervision AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 10575428 | Estonia | Active | 2011-05-16 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- Maaelu Edendamise Hoiu-laenuühistu
- RIAD code
- EE10575428
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- MAEHEE21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of MAEHEE21 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2019-04-06
- Last updated
- 2019-04-06
Overview
Researched 29 Sep 2026 · Sources
Ownership
Member-owned
Firm type
Other
Trades as ME Hoiu-laenuühistu (ME HLÜ)
- Standing
- Amendments to Estonia's Savings and Loan Associations Act took effect on 1 March 2026. Associations must meet the new requirements by 1 October 2026. To keep taking deposits, providing payment services or granting consumer credit, an association must apply to Finantsinspektsioon by 1 January 2027. No public statement by the firm on its plans was found.
- Ownership
- The firm is a cooperative owned by its members. According to its 2025 annual report, it had 332 members at 31 December 2025: 257 individuals, 60 companies and 15 non-profit associations.
- Head office
- Jaani tn 2, 73301 Järva-Jaani, Estonia
- Company register
- Estonian Commercial Register 10575428
- Incorporated
- 10 Sep 1999
Online
- Websites & references
- hoiulaenu.ee ↗
bss.baltserv.eu ↗ Online banking login linked from the site header, run on the Baltic Shared Services AS platform - Official social accounts
- Facebook ↗
Sources · 14 pages consulted
- fi.ee/en/payment-services/payment-services/payment-institutions/estonian-payment-institutions/m
- ariregister.rik.ee/est/company/10575428/Maaelu-Edendamise-Hoiu-laenu%C3%BChistu
- hoiulaenu.ee/wp-content/uploads/2026/08/Aruanne_2025.pdf
- hoiulaenu.ee/
- hoiulaenu.ee/meist/
- hoiulaenu.ee/teenused/
- hoiulaenu.ee/kontakt/
- hoiulaenu.ee/meist/dokumendid/
- hoiulaenu.ee/uudised/
- riigikogu.ee/en/sitting-reviews/the-riigikogu-passed-the-act-regulating-the-activities-of-savings-and-
- riigiteataja.ee/et/seadus/seaduse_kokkuvote/2519
- err.ee/1609917461/riigikogu-kiitis-heaks-hoiu-laenuuhistu-seaduse-muudatused
- minuraha.ee/et/pangandus/hoiused/hoiustamine-hoiu-laenuuhistutes
- ariregister.rik.ee/est/company/90006354/Sihtasutus-Hoiu-laenu%C3%BChistute-Hoiuste-Tagamise-Fond
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
Finantsinspektsioon authorises the firm as a payment institution under licence 4.1-1/80 of 24 October 2012. Its deposit-taking and lending to members fall under the Savings and Loan Associations Act, not under that licence.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Finantsinspektsioon (Estonian Financial Supervision Authority) Estonia | Payment institution operating licence | 4.1-1/80 | In its own name | Active | fi.ee ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Products and markets
Researched 29 Sep 2026 · Sources
The firm lends to its members, mostly against mortgages, and takes term deposits from them. It also offers payment accounts, domestic transfers, cash deposits and withdrawals and online banking.
The firm serves customers in Estonia from offices in Järva-Jaani, Koeru and Põltsamaa.
- Revenue
- EUR 199,471
- Sells to
- Consumers · Small businesses · Other
- Serves customers in
- Estonia
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Maria Peldes Juhataja, chair of the management board
- Chair
- Guido Ploompuu Chair of the supervisory board
- Executive
- Lasse Lehis Member of the management board
- Executive
- Hille Nugis Riskijuht (risk manager)
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The Riigikogu passed amendments that require savings and loan associations to apply to Finantsinspektsioon by 1 January 2027 to continue.
riigikogu.ee ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- MAEHEE21XXX
- How the BIC breaks down
- MAEHBank
- EECountry · Estonia
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 64880I7I463DRZT83Y16
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 10575428
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- cbb458353e12
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Money remittance
- Payment services
- Licensed in
- Estonia
- Country · region
- Estonia · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- KASE 1 FLOOR 1 JARVA- JAANI 73301 ESTONIA
- Operational address
- KASE 1 FLOOR 1 JARVA-JAANI 73301 JARVA-JAANI ESTONIA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>MAEHEE21XXX</BICFI>
<LEI>64880I7I463DRZT83Y16</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>MAEHEE21XXX</BICFI>
<LEI>64880I7I463DRZT83Y16</LEI>
<Nm>MAAELU EDENDAMISE HOIU-LAENUUHISTU</Nm>
<PstlAdr>
<TwnNm>JARVA-JAANI</TwnNm>
<Ctry>EE</Ctry>
<AdrLine>KASE 1 FLOOR 1 JARVA- JAANI 73301</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2020-01-04 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: hoiulaenu.ee (official website) · original.
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