---
title: "Maaelu Edendamise Hoiu-Laenuuhistu SWIFT/BIC code MAEHEE21XXX · Estonia | Elucidate"
description: "Licensed in Estonia: Payment institution (Estonian Financial Supervision Authority). SWIFT/BIC code MAEHEE21XXX for Maaelu Edendamise Hoiu-Laenuuhistu, Estonia."
url: https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21
---
1. [Directory](https://elucidate.co/directory)
2. [Estonia](https://elucidate.co/directory/country/ee)
3. Maaelu Edendamise Hoiu-Laenuuhistu
Estonia · Payments & e-money
# Maaelu Edendamise Hoiu-Laenuuhistu
Legal name in the LEI record Maaelu 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.
Register status
Licensed in Estonia
Payment institution · Estonian Financial Supervision Authority
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#licences)
BIC **MAEHEE21XXX** LEI **[64880I7I463DRZT83Y16](https://search.gleif.org/#/record/64880I7I463DRZT83Y16)** [Licence no. **10575428**](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#licences) Passive participant (no connection) Head-office BIC only [Claim this profile](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#claim)
## 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 Register](https://elucidate.co/directory/register/eba-psd2) Estonian Financial Supervision Authority Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 10575428 | [Estonia](https://elucidate.co/directory/country/ee) | Active | 2011-05-16 | — | - Money remittance - Payment services | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |
- 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)
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#schemes)
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2019-04-06
- **Last updated:** 2019-04-06
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#overview-sources)
Customers
340
accounts · This entity · 31 Dec 2025 · [regulatory filing ↗](https://hoiulaenu.ee/wp-content/uploads/2026/08/Aruanne_2025.pdf)
Employees
2
FTE · This entity · 31 Dec 2025 · [annual report ↗](https://hoiulaenu.ee/wp-content/uploads/2026/08/Aruanne_2025.pdf)
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 ↗](https://hoiulaenu.ee/) [bss.baltserv.eu ↗](https://bss.baltserv.eu/inet/) Online banking login linked from the site header, run on the Baltic Shared Services AS platform
- **Official social accounts:** [Facebook ↗](https://www.facebook.com/hoiulaenuyhistu/)
Sources · 14 pages consulted
1. [fi.ee/en/payment-services/payment-services/payment-institutions/estonian-payment-institutions/m](https://www.fi.ee/en/payment-services/payment-services/payment-institutions/estonian-payment-institutions/maaelu-edendamise-hoiu-laenuuhistu)
2. [ariregister.rik.ee/est/company/10575428/Maaelu-Edendamise-Hoiu-laenu%C3%BChistu](https://ariregister.rik.ee/est/company/10575428/Maaelu-Edendamise-Hoiu-laenu%C3%BChistu)
3. [hoiulaenu.ee/wp-content/uploads/2026/08/Aruanne\_2025.pdf](https://hoiulaenu.ee/wp-content/uploads/2026/08/Aruanne_2025.pdf)
4. [hoiulaenu.ee/](https://hoiulaenu.ee/)
5. [hoiulaenu.ee/meist/](https://hoiulaenu.ee/meist/)
6. [hoiulaenu.ee/teenused/](https://hoiulaenu.ee/teenused/)
7. [hoiulaenu.ee/kontakt/](https://hoiulaenu.ee/kontakt/)
8. [hoiulaenu.ee/meist/dokumendid/](https://hoiulaenu.ee/meist/dokumendid/)
9. [hoiulaenu.ee/uudised/](https://hoiulaenu.ee/uudised/)
10. [riigikogu.ee/en/sitting-reviews/the-riigikogu-passed-the-act-regulating-the-activities-of-savings-and-](https://www.riigikogu.ee/en/sitting-reviews/the-riigikogu-passed-the-act-regulating-the-activities-of-savings-and-loan-associations/)
11. [riigiteataja.ee/et/seadus/seaduse\_kokkuvote/2519](https://www.riigiteataja.ee/et/seadus/seaduse_kokkuvote/2519)
12. [err.ee/1609917461/riigikogu-kiitis-heaks-hoiu-laenuuhistu-seaduse-muudatused](https://www.err.ee/1609917461/riigikogu-kiitis-heaks-hoiu-laenuuhistu-seaduse-muudatused)
13. [minuraha.ee/et/pangandus/hoiused/hoiustamine-hoiu-laenuuhistutes](https://minuraha.ee/et/pangandus/hoiused/hoiustamine-hoiu-laenuuhistutes)
14. [ariregister.rik.ee/est/company/90006354/Sihtasutus-Hoiu-laenu%C3%BChistute-Hoiuste-Tagamise-Fond](https://ariregister.rik.ee/est/company/90006354/Sihtasutus-Hoiu-laenu%C3%BChistute-Hoiuste-Tagamise-Fond)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#overview-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 ↗](https://www.fi.ee/en/payment-services/payment-services/payment-institutions/estonian-payment-institutions/maaelu-edendamise-hoiu-laenuuhistu) |
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](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#overview-sources)
- Lending
- Domestic payments
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 199,471This entity · 31 Dec 2025 · [annual report ↗](https://hoiulaenu.ee/wp-content/uploads/2026/08/Aruanne_2025.pdf)
- **Sells to:** Consumers · Small businesses · Other
- **Serves customers in:** Estonia
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#overview-sources)
- **Chief executive:** Maria Peldes Juhataja, chair of the management board Confirmed 29 Sep 2026 · [hoiulaenu.ee ↗](https://hoiulaenu.ee/meist/)
- **Chair:** Guido Ploompuu Chair of the supervisory board Confirmed 29 Sep 2026 · [hoiulaenu.ee ↗](https://hoiulaenu.ee/meist/)
- **Executive:** Lasse Lehis Member of the management board Confirmed 29 Sep 2026 · [hoiulaenu.ee ↗](https://hoiulaenu.ee/wp-content/uploads/2026/08/Aruanne_2025.pdf)
- **Executive:** Hille Nugis Riskijuht (risk manager) Confirmed 29 Sep 2026 · [hoiulaenu.ee ↗](https://hoiulaenu.ee/meist/)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#overview-sources)
1. Jan 2026
Other
The Riigikogu passed amendments that require savings and loan associations to apply to Finantsinspektsioon by 1 January 2027 to continue.
[riigikogu.ee ↗](https://www.riigikogu.ee/en/sitting-reviews/the-riigikogu-passed-the-act-regulating-the-activities-of-savings-and-loan-associations/)
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:** 1. MAEH Bank 2. EE Country · Estonia 3. 21 Location · passive 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 64880I7I463DRZT83Y16
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/64880I7I463DRZT83Y16)
- **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-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/maaelu-edendamise-hoiu-laenuuhistu-maehee21#licences)
- **Activities:** - Money remittance - Payment services
- **Licensed in:** [Estonia](https://elucidate.co/directory/country/ee)
- **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
```xml
MAEHEE21XXX
64880I7I463DRZT83Y16
```
### 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
```xml
MAEHEE21XXX
64880I7I463DRZT83Y16
MAAELU EDENDAMISE HOIU-LAENUUHISTU
JARVA-JAANI
EE
KASE 1 FLOOR 1 JARVA- JAANI 73301
```
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.
## Related institutions
### Other payments & e-money institutions in Estonia
- [Meieni OÜ No BIC Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 12013427 (EBA-PSD2) · LEI 984500E2FFC40C38A712](https://elucidate.co/directory/meieni-ou-683ce2f867e4)
- [Adson AS No BIC Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 14892025 (EBA-PSD2) · LEI 98450091766FACAC4451](https://elucidate.co/directory/adson-as-1b0a8e8dffc6)
- [AS Creditinfo Eesti No BIC Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 10256137 (EBA-PSD2) · LEI 9845008BFA7E7BB96Q81](https://elucidate.co/directory/as-creditinfo-eesti-ac19726c5917)
- [Coop Finants AS No BIC Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 12087992 (EBA-PSD2) · LEI 391200XSEIZIU8SNCW94](https://elucidate.co/directory/coop-finants-as-05fe86f0e435)
- [Crowdestate AS BIC CRWDEE22 Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 14773059 (EBA-PSD2) · LEI 254900ZZM79Z7FFKW251](https://elucidate.co/directory/crowdestate-as-crwdee22)
- [Crumblo OÜ No BIC Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 14534649 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/crumblo-ou-0c86ef4add09)
- [Inhouse Pay AS BIC IHPYEE22 Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 14605379 (EBA-PSD2) · LEI 648825NKW56QTH575E23](https://elucidate.co/directory/inhouse-pay-as-ihpyee22)
- [Ipf Digital AS BIC IPFDEE22 Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 11034137 (EBA-PSD2) · LEI 984500650D127F436942](https://elucidate.co/directory/ipf-digital-as-ipfdee22)
[See all →](https://elucidate.co/directory/search?type=payments&cc=EE)
Claim this profile
## Work at Maaelu Edendamise Hoiu-Laenuuhistu?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
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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 →](https://elucidate.co/directory/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 ↗](https://euclid.eba.europa.eu/register/pir/search) 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](https://hoiulaenu.ee/) (official website) · [original](https://hoiulaenu.ee/wp-content/uploads/2020/01/logo1.png).
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.