United Kingdom · Payments & e-money
One Money Mail Limited
One Money Mail Limited is a private limited company incorporated in England and Wales in 2004. Its head office is in Ealing, London. The FCA authorises the firm as an electronic money institution under Firm Reference Number 900150. Wrii (Pall Mall) Ltd holds 75% or more of its shares, and the firm's accounts name Pawel Mes as its ultimate controlling party. It trades as Sami Swoi and Sami Swoi Premium. Under these brands it sends money from the UK to Poland for consumers and businesses in the Polish community in the UK.
Licences and registrations
Held by One Money Mail Limited (LEI 259400TWU2Q4W4OEDJ19). 2 entries on 2 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900150 | United Kingdom | Active | 2018-04-19 | — |
|
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| FCA Financial Services Register - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 526388 | United Kingdom | Cancelled - Authorised PI | — | Ended 2014-10-14 |
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Trading names on the register: Sami Swoi Premium (FCA-EMI, FCA-PSD), Sami Swoi (FCA-EMI, FCA-PSD), Minutka (FCA-EMI, FCA-PSD), Funcik (FCA-EMI, FCA-PSD)
- 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.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- ONMMGB22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of ONMMGB22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2022-09-03
- Last updated
- 2022-09-03
Overview
Researched 29 Sep 2026 · Sources
Ownership
Privately held
Wrii (Pall Mall) Ltd
Firm type
Money remittance
Trades as Sami Swoi
- Ownership
- Wrii (Pall Mall) Ltd (Companies House 13415632) holds 75% or more of the firm's shares and voting rights, and the firm's accounts for the year to 31 March 2025 name Pawel Mes as the ultimate controlling party.
- Direct parent
- Wrii (Pall Mall) Ltd, United Kingdom
- Head office
- 60 The Mall, Ealing Broadway, W5 3TA London, United Kingdom
- Company register
- Companies House 05031907
- Incorporated
- 2 Feb 2004
- Former name
- PICASSO LONDON ESTATE AGENCY LIMITED
Online
- Websites & references
- 1mm.eu ↗
przekazypieniezne.com ↗ Sami Swoi consumer money transfer site
samiswoipremium.com ↗ Sami Swoi Premium business money transfer site
b2b.samiswoi-omm.co.uk ↗ Sami Swoi Premium business transaction platform
ewallet.kontosamiswoi.com ↗ e-wallet product site - Official social accounts
- LinkedIn ↗ · Facebook ↗
- App
- App Store ↗
Sources · 10 pages consulted
- find-and-update.company-information.service.gov.uk/company/05031907
- find-and-update.company-information.service.gov.uk/company/05031907/officers
- find-and-update.company-information.service.gov.uk/company/05031907/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/05031907/filing-history
- find-and-update.company-information.service.gov.uk/company/05031907/filing-history/MzUxNDMwNjcxOWFkaXF6a2N4/document?format=pdf&download=0
- 1mm.eu/
- 1mm.eu/about
- samiswoipremium.com/
- samiswoipremium.com/wp-content/uploads/2024/09/1MM_Framework_Contract-Final-v4.pdf
- lei.bloomberg.com/leis/view/259400TWU2Q4W4OEDJ19
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution (FRN 900150) under the Electronic Money Regulations 2011. The FCA register records this authorisation from 19 April 2018. The firm's earlier FCA authorisation as a payment institution (FRN 526388) was cancelled on 14 October 2014.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900150 | In its own name | Active | — |
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 526388 | In its own name | Withdrawn or expired | — |
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.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it holds relevant customer funds separately from its own funds, in designated safeguarding accounts with authorised credit institutions, and that these funds are not covered by the Financial Services Compensation Scheme (FSCS).
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm sends money from the UK mainly to Poland. Its Sami Swoi brand serves individuals and its Sami Swoi Premium brand serves businesses. It also offers high-value transfers and currency exchange with onward transfer. According to the firm, it has over 400,000 individual customers and over 2,000 business customers.
The firm serves senders in the UK through branches, agents, the web, a mobile app and telephone, and pays out mainly in Poland. According to its accounts for the year to 31 March 2025, it established a branch in Poland after the balance sheet date.
- Revenue
- GBP 1.53m
- Sells to
- Consumers · Small businesses
- Serves customers in 2 countries
- United Kingdom · Poland
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Pawel Mes Director
- Executive
- Slawomir Celniak Director
- Executive
- Danuta Zak Director
- Executive
- Nicholas Charles George Andrews Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm allotted new shares on 22 April 2026, which raised its stated share capital to GBP 1,750,000.
find-and-update.company-information.service.gov.uk ↗ -
Other
The firm's audited accounts for the year to 31 March 2025 reported a loss of GBP 1.15 million and net liabilities of GBP 354,952.
find-and-update.company-information.service.gov.uk ↗ -
Other
The firm allotted 200,000 new shares on 28 November 2025, which raised its stated share capital to GBP 650,000.
find-and-update.company-information.service.gov.uk ↗ -
Other
The firm allotted 150,000 new shares on 7 August 2025, which raised its stated share capital to GBP 450,000.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Nicholas Charles George Andrews as a director on 15 May 2025.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Syed Muhammad Farrukh Gillani resigned as a director of the firm on 5 May 2023.
find-and-update.company-information.service.gov.uk ↗
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
- ONMMGB22XXX
- How the BIC breaks down
- ONMMBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 259400TWU2Q4W4OEDJ19
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900150
- Licence no. · FCA-PSD
- 526388
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- 0b1e9169bcd0
- Companies House no.
- 05031907 ↗
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
- 2 entries on 2 registers
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.1mm.eu ↗
- Country · region
- United Kingdom · Europe & Central Asia
- 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.
Persons with significant control
Companies House · company 05031907 ↗ · as at 9 October 2026
Companies House lists 1 person with significant control for One Money Mail Limited: 1 company.
| Name | Type | Nature of control | Notified |
|---|---|---|---|
| Wrii (Pall Mall) Ltd ↗ | Company · UK | 75–100% of shares · 75–100% of votes · Can appoint or remove directors | 7 June 2021 |
| Pawel Krystian Mes | Individual · through Wrii (Pall Mall) Ltd | 75–100% of shares · 75–100% of votes · Can appoint or remove directors | 24 May 2021 |
Companies report persons with significant control to Companies House. Elucidate has not verified them.
A person with significant control holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown.
Matched on the Companies House number that the FCA register gives for this firm.
See the register at Companies House ↗Addresses
- Registered address
- 60 THE MALL EALING LONDON W5 3TA UNITED KINGDOM
- Operational address
- 60 THE MALL EALING LONDON LONDON W5 3TA UNITED KINGDOM
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+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>ONMMGB22XXX</BICFI>
<LEI>259400TWU2Q4W4OEDJ19</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>ONMMGB22XXX</BICFI>
<LEI>259400TWU2Q4W4OEDJ19</LEI>
<Nm>ONE MONEY MAIL LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>60 THE MALL EALING LONDON W5 3TA</AdrLine>
</PstlAdr>
</FinInstnId>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.
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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
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Persons with significant control—Companies House · source ↗ as at 9 October 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.
- 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: 1mm.eu (official website) · original.
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