ME Company OÜ

What ME Company OÜ does

ME Company OÜ, operating as Money Express, is a privately-held Estonian financial services company registered with the Estonian Ministry of Economic Affairs and Communications since 2016 and headquartered at Aia 5, Tallinn. The company offers currency exchange across 40 currencies, international money transfers via integrations with MoneyGram, Western Union, and RIA, precious metals investment, scrap gold buying, cash replenishment to personal accounts, and Paysera payment services. Its technology is a web-based booking platform that displays real-time exchange rates, lets customers reserve currency online (0% service fee, €1 fee at checkout) or in branch (€2 fee), and complete the transaction by picking up cash at the physical Tallinn branch or paying online. The platform supports Estonian, English, and Russian languages.

The business is a transactional retail financial services operation with a headcount of 1-10 employees and a single physical location. Revenue is generated through transaction fees (€1 online / €2 in-branch), exchange-rate margins (with better rates for transactions over €200), and commissions from remittance and precious metals services. Go-to-market is direct-to-consumer, primarily through organic search and the company website, with no enterprise or B2B contracts evidenced. The customer base is long-tail individual consumers and walk-in retail customers in Tallinn. Strategic partnerships with three major remittance networks (MoneyGram, Western Union, RIA) and payment processor Paysera LT UAB extend service breadth without requiring in-house remittance or payment infrastructure.

The company has no disclosed funding history, no acquisitions, no management-team information in the source data, and no evidence of AI/ML capabilities. The platform functions as a transactional booking interface over third-party rails rather than a technology-led business. Its principal operating assets are its regulatory registration, its single Tallinn branch, and a 4.8/5 customer rating across 3,400+ reviews accumulated since launch.

Name

ME Company OÜ

Legal name

ME Company OÜ

Website

https://moneyexpress.ee

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

ME Company OÜ, operating as Money Express, is an Estonian financial services company providing currency exchange across 40 currencies, international money transfers, precious metals trading, and gold buying from a single Tallinn branch via an online-booking, in-person-pickup model serving individual consumers.

Ownership category

akta.pro rank

Product category

Currency Exchange Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)

akta.pro secondary industry

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

Keywords

• Currency exchange services
• Money transfer services
• Precious metals trading
• Foreign currency exchange
• Cash account top-ups

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Currency Exchange Transaction Fees: Revenue generated from service fees charged on currency exchange transactions. Online bookings incur €1 fee, in-branch transactions €2 fee. Additional revenue from exchange rate margins, with better rates offered for larger transactions (over €200).
2. Money Transfer Services: Revenue from money transfer services through MoneyGram, Western Union, and RIA partnerships. Customers pay fees for international money transfers.
3. Precious Metals and Gold Trading: Revenue from investment in precious metals and gold purchasing/selling services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Money Express provides retail currency exchange services across 40 currencies through an online booking platform with physical branch pickup in Tallinn, Estonia. The company also offers international money transfers via MoneyGram, Western Union, and RIA partnerships, precious metals investment, gold buying (scrap gold purchasing), cash replenishment to personal accounts, and Paysera payment integration. Online bookings carry a 0% service fee while in-branch transactions carry a €2 fee, with better exchange rates offered on transactions exceeding €200.

Product overview

ME Company OÜ operates Money Express, a multi-service financial platform providing currency exchange, money transfers, and precious metals investment services. The core product is the Currency Exchange (Valuutavahetus) service, which enables customers to book exchange rates online and collect currency at physical branches. Additional services include money transfers via MoneyGram, Western Union, and RIA; precious metals investment; gold buying; cash replenishment; and Paysera payment integration. The platform features an online ordering system where customers can select from 40 currencies, book rates with 0% service fee online, and pick up at branch locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Currency Exchange (Valuutavahetus) Retail foreign currency exchange service where customers book a desired exchange rate online, select the Tallinn branch for pickup, and pay online (€1 fee) or in cash on collection (€2 fee). Supports 40 currencies with competitive rates and a 0% service fee promotional angle for online bookings.
• Precious Metals Investment (Investeerimiskuld)

Quantifiable outcome

• 50% service fee discount for online bookings vs in-branch
• +1 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Paysera LT UABcoreTechnology or IntegrationPaysera is an integrated payment partner used for financial transactions. Contact details for Paysera LT UAB (BIC: EVIULT21XXX) are listed for payment processing with IBAN: LT69 3500 0100 0864 4789.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Travelex: World's largest specialist bureau de change, operating physical currency-exchange counters in airports and city centers globally. Directly comparable to Money Express on physical FX, multi-currency inventory, and consumer-facing cash exchange.
• No1 Currency: UK-based currency-exchange specialist with both online ordering and branch pickup model. Closely analogous to Money Express's hybrid online-reserve / in-branch collect workflow.
• CurrencyFair: Multi-currency FX and remittance platform serving consumers and SMEs across Europe. Overlaps with Money Express's remittance, FX, and cross-border money transfer service lines.
• Continental Currency Exchange: Canadian currency exchange chain combining online ordering with storefront pickup. Comparable on multi-currency inventory and small-ticket traveler / immigrant customer segments.
• ICE (International Currency Exchange): Global bureau de change with extensive branch footprint in travel hubs and tourist destinations. Comparable on physical cash FX, multi-currency inventory, and tourist-segment customer base.
• Eurochange: UK high-street bureau de change offering travel money with online pre-order discount and branch collection. Directly mirrors Money Express's 0% online fee / in-branch tier pricing structure.

Broad incumbents

• Wise: Global multi-currency account and remittance leader. Not a physical bureau, but the dominant digital substitute competing for the same consumer FX and cross-border payment use cases.
• MoneyGram: Global money-transfer network; both an integration partner of Money Express and a direct competitor via its own app and retail agent locations in Estonia.
• Western Union: Global cross-border payments incumbent; integration partner of Money Express and direct competitor via omni-channel consumer money transfer offering.

Regional players

• Paysera: Lithuania-headquartered pan-Baltic/European payments platform and Money Express's integrated payment partner. Comparable on cross-border payments, multi-currency handling, and Baltic retail customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/moneyexpress.est
• LinkedInlinkedin.com/company/me-company-ou

Revenue estimate

Valuation estimate

Number of profiles

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 ME Company OÜ