HelloMe Money

What HelloMe Money does

HelloMe Money is a London-headquartered neo-banking platform founded in 2020 that delivers multi-currency digital banking, foreign exchange, and cross-border payment services to individuals, freelancers, startups, SMEs, and growing enterprises. The platform supports holding, sending, and receiving funds in 30+ currencies with dedicated IBANs in 10+ currencies (including GBP, EUR, USD, NGN, CAD, AUD, CHF, SEK, PLN, CZK), and routes payments to 120+ countries via SWIFT, SEPA INSTANT, EFT, and NIP rails. Core products include the Multi-Currency Account, FX Payments engine with 0.3% fee-from-mid-market pricing, Global Account for businesses, Freelancer Account, Remittance, Smart Cards, Invoicing, Global Payroll, Expense Management, and a Business Analytics dashboard with AI-powered spending insights. The company also offers UK Company Registration bundled with a GBP business account, virtual office, mail forwarding, and company secretary services for non-residents entering the UK market.

The platform is built on a digital-first technology stack that includes AI-powered KYC verification for instant onboarding, a REST-based Payment API Gateway enabling mass payouts and bulk collections for developers, and a real-time analytics dashboard. Regulatory operations are anchored by three licences: FCA authorization (UK, via Andaria Financial Services Limited), MFSA authorization (Malta, via Andaria Financial Services Limited), and FINTRAC Money Services Business registration in Canada (HelloMe Canada Corp). The proprietary technology layer is functional rather than research-grade; AI capabilities (KYC, fraud anomaly detection, predictive spend insights) appear to leverage conventional ML applied to standard fintech workflows rather than proprietary models.

HelloMe Money operates a hybrid revenue model combining freemium and tiered subscription pricing for personal accounts (Lite free, Credit Builder £4.99/mo, Credit Plus £9.99/mo, Personal Pro £19.99/mo), FX transaction margins on currency conversions, fee-based UK company registration with bundled services, and subscription/business-tool charges for invoicing, analytics, virtual office, and company secretary offerings. Distribution is primarily product-led through iOS and Android apps with self-serve onboarding, supplemented by inside-sales for business accounts and an API-first developer channel. No disclosed venture or growth funding rounds are present in the source data, suggesting organic or minimally capitalized growth. Ownership appears founder-led with no disclosed institutional investors, and the company is privately held.

Name

HelloMe Money

Legal name

HelloMe Limited

Website

https://hellomemoney.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

HelloMe Money is a London-based neo-banking platform founded in 2020 that provides multi-currency accounts, FX payments, and cross-border transfers in 30+ currencies across 120+ countries, serving individuals, freelancers, SMEs, and international businesses seeking low-cost global banking alternatives to traditional banks.

Ownership category

akta.pro rank

Product category

Digital Banking / Neobanking

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Commercial Banking (52211)

SIC

Miscellaneous Business Credit Institution (6159), Functions Related To Depository Banking, Nec (6099), Finance Services (6199)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)

Keywords

• Multi-currency banking
• International money transfers
• Digital banking platform
• FX payment services
• Business banking tools

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription Plans: Monthly subscription tiers for personal accounts: Lite (free), Credit Builder (£4.99/mo), Credit Plus (£9.99/mo), Personal Pro (£19.99/mo) with escalating monthly limits and multi-currency balances
2. FX and Currency Conversion: Revenue from foreign exchange margins; offers 0.3% FX fee with mid-market rates and transparent fees for currency conversions across 30+ currencies
3. UK Company Registration: Fee-based service for registering UK businesses with included GBP multi-currency business account, virtual office services, and company secretary services
4. Business Tools and Services: Additional revenue from invoicing tools, business analytics, asset management, virtual office, mail forwarding, and business phone number services

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

HelloMe Money operates a digital-first multi-currency banking platform that lets individuals and businesses hold, send, and receive money in 30+ currencies across 120+ countries using dedicated IBANs. Core products include a multi-currency personal account, a global business account, FX payments and remittances, a Payment API Gateway for mass payouts, and bundled business tools such as UK Company Registration, invoicing, analytics, payroll, and expense management. Services are delivered through iOS and Android apps and a web portal, with regulatory backing from FCA (UK), MFSA (Malta), and FINTRAC (Canada).

Product overview

HelloMe Money operates as a unified digital financial services platform offering multi-currency banking, international payments, and business financial tools. The core offering is the Multi-Currency Account with FX Payments and Global Account capabilities, supplemented by specialized products including the Payment API Gateway for business disbursements, UK Company Registration with virtual office services, Business Analytics with AI-powered insights, Invoicing with automated billing, Global Payroll, and Expense Management tools. Personal tier products include Lite (free), Credit Builder (£4.99/month), Credit Plus (£9.99/month), and Personal Pro (£19.99/month) plans with varying multi-currency balance limits. The platform supports 30+ currencies across 120+ countries with dedicated IBANs and integrates Remittance services for consumer-to-consumer transfers.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Currency Account
• FX Payments
• Global Account
• Payment API Gateway
• UK Company Registration
• Business Analytics
• Freelancer Account
• Remittance
• Smart Cards
• Invoicing
• Global Payroll
• Expense Management
• Compliance & KYB
• Business Account International business account with multi-currency support, cross-border payments, smart invoicing, analytics, and API integrations for businesses of all sizes.

Quantifiable outcome

• FX fee from 0.3%
• +4 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• Andaria Financial Services Limited (UK)coreStrategic or Co-development PartnerRegulatory partner providing FCA-authorised electronic money services under the Electronic Money Regulations 2011 for UK operations. UK entity: Andaria Financial Services UK Ltd (Company Number 12840774).
• Andaria Financial Services Limited (Malta)coreStrategic or Co-development PartnerEU regulatory partner authorised by Malta Financial Services Authority (MFSA) as a financial institution for EU market operations. Entity: Andaria Financial Services Limited (Company Registration Number C 97170).
• FINTRAC (Financial Transactions and Reports Analysis Centre of Canada)coreOthersCanadian regulatory authority that licences HelloMe Canada Corp as a Money Services Business (MSB Registration No. M24732796) for providing global payment and remittance services in Canada.
• SWIFT NetworkcoreTechnology or IntegrationSWIFT global payment network enabling international wire transfers and cross-border transactions to 120+ countries with same-day delivery options.
• SEPA (Single Euro Payments Area)coreTechnology or IntegrationSEPA INSTANT payments enabling instant euro transfers within the SEPA zone for real-time cross-border EUR transactions.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wise: Wise is the leading multi-currency account and cross-border payments platform. HelloMe Money offers an essentially overlapping value proposition (multi-currency IBANs, mid-market FX, 30+ currencies) and competes for the same SMB and freelancer customer base, though Wise operates at vastly greater scale.
• WorldRemit: WorldRemit offers international money transfers and multi-currency mobile wallets with strong emerging-market corridor coverage. It overlaps with HelloMe Money on cross-border transfers, FX, and emerging-market currency support.
• Payoneer: Payoneer provides multi-currency receiving accounts and cross-border payouts for freelancers, SMBs, and marketplaces. It directly parallels HelloMe's freelancer and international business segments and competes on similar global payment corridors.
• Remitly: Remitly is a digital remittance and cross-border money transfer provider serving migrant corridors globally. HelloMe's NGN, GBP, and EUR rails and African corridor emphasis place it in direct competition for cross-border consumer and SMB remittance flows.
• Revolut: Revolut offers multi-currency accounts, international transfers, FX, and business accounts via app. It is the broadest direct competitor to HelloMe Money, especially in the UK and EU, with overlapping regulatory coverage and a much larger feature set.

Broad incumbents

• Western Union: Western Union is the incumbent global money transfer operator with extensive emerging-market payout networks. HelloMe's remittance product competes with Western Union on corridors where digital pricing undercuts agent-based transfers.
• PayPal: PayPal operates a broad digital payments and cross-border transfer platform including Xoom for remittances. While not a focused multi-currency IBAN player, it competes for HelloMe's freelancer and SMB international payment use cases at massive scale.

Emerging players

• Bunq: Bunq is a European neobank offering multi-currency accounts, IBANs, and business banking. It is a regional peer overlapping with HelloMe's EU market focus via the MFSA-authorized entity.
• Mercury: Mercury provides US-based business banking with multi-currency support and developer-first APIs. It targets a similar SMB and startup customer as HelloMe's business account and shares the API-distributed GTM motion.

Others

• Nium: Nium is a global payments infrastructure provider offering multi-currency accounts, payouts, and FX via API. It serves as an enabling infrastructure layer rather than a direct end-user competitor but competes for the same cross-border B2B API customer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HelloMeMoney
• LinkedInlinkedin.com/company/hellome-limited

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HelloMe Money