Mintago

What Mintago does

Mintago Limited is a UK-based financial wellbeing SaaS platform, founded in 2019 and headquartered in London (with a registered office in Kent). The company sells an employee benefits platform to UK employers — primarily SMEs but also enterprise and public-sector organisations — that consolidates salary sacrifice scheme administration (childcare, cycle-to-work, electric vehicles, home & garden, mobile/tech, travel, EcoTech, and pension), pension management (Pension Dashboard and Pension Hunter for lost pot recovery), and a health/wellbeing marketplace (Virtual GP, EAP, retail and grocery discounts, family/elderlycare support, and access to financial advisers) into a single Employer Portal accessed via web and mobile.

The platform is cloud-based, integrates open-banking data through Plaid Financial Ltd, uses magic-link authentication with optional 2FA, employs 2-key base64 AES encryption at rest, and is hosted on UK servers. Mintago is FCA-registered (reference 927534), ISO 27001 certified, GDPR compliant (ICO reference ZA555904), and operates HMRC-compliant salary sacrifice schemes with ongoing engagement with HMRC. The Pension Hunter feature has reportedly recovered over £50m in lost pensions across the customer base, with documented adoption rates of 88–100% in named case studies.

Mintago generates revenue through employer subscriptions (annual billing, quote-based pricing tied to employee count and benefits selected), per-employee-per-month fees for salary sacrifice administration, and marketplace commissions from retail and health discount providers. Distribution is sales-led via direct outreach, the website, and virtual events, supplemented by channel partnerships with Intelliflo (financial adviser distribution) and One Financial Solutions (regulated advice). The company is venture capital-backed and privately held.

Name

Mintago

Legal name

Mintago Limited

Website

https://mintago.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Mintago is a UK employee financial wellbeing SaaS platform serving 500+ UK employers with consolidated salary sacrifice scheme administration, pension management and lost-pension recovery, and a health/wellbeing benefits marketplace, monetised via employer subscriptions and PEPM fees.

Ownership category

akta.pro rank

Product category

Employee Benefits Administration Software

NAICS

Payroll Services (541214)

akta.pro primary industry

Payroll Software & Payroll-as-a-Service (SaaS) (BPACAIAB)

akta.pro secondary industries

Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI), Employer Payroll Processing (SMB & Enterprise) (FSAMAKAA)

Keywords

• Employee benefits platform
• Salary sacrifice schemes
• Pension management software
• Financial wellbeing platform
• Employee benefits administration

Headquarters

HQ city

Tunbridge Wells

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Salary Sacrifice Scheme Management: Mintago charges employers for administering salary sacrifice benefit schemes including childcare, EVs, cycling, technology, and travel. Revenue is generated through subscription or per-employee-per-month (PEPM) fees, with pricing varying based on features selected and number of employees. The platform generates employer National Insurance savings, a portion of which may flow to Mintago's value proposition.
2. Platform Subscription: Employers pay a subscription fee for access to the full Mintago platform including pension dashboard, financial coaching, health marketplace, EAP, Virtual GP, and retail discounts. Pricing is quote-based and varies by company size and selected benefits.
3. Retail Discount and Health Marketplace: Mintago earns commissions from retail discounts and health rewards offered through its marketplace. Employers can optionally add credit to the health marketplace as part of their reward strategy.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels10 records

Core offering

Mintago operates a cloud-based employee financial wellbeing SaaS platform sold to UK employers on a subscription basis. Employers gain access to HMRC-compliant salary sacrifice schemes (childcare, cycling, EVs, home & garden, mobile & tech, travel, pensions), a Pension Dashboard with lost pension recovery, Grocery Super Saver discounts, Virtual GP, EAP, Health Rewards, Family/Elderlycare support, and Financial Coaching. Employees access the platform via web and mobile application to manage pensions, claim benefits, and access financial advice, with employer National Insurance savings of up to 15% and employee savings of up to 47% available through salary sacrifice.

Product overview

Mintago is an all-in-one UK-based employee financial wellbeing and benefits platform, combining a broad salary sacrifice scheme portfolio with broader financial wellbeing, health, and family support tools. The core platform is the Employer Portal, a centralised hub providing HR teams with employee management, reporting, and engagement tools. This portal administers a suite of salary sacrifice schemes — the company's flagship product category — covering childcare, cycle to work, electric vehicles, home & garden, mobile & tech, travel, EcoTech, and pension contributions. These schemes generate employer National Insurance savings while providing employees tax and NI reductions on non-cash benefits. Beyond salary sacrifice, the platform integrates Grocery Super Saver (cost-of-living grocery discounts), a Pension Dashboard (lost pension search, contribution tracking, and advice), Virtual GP, Employee Assistance Programme, Health Rewards & Discounts, Family Support & Elderlycare, and Financial Coaching & Advice (impartial advisers, masterclasses, and a learning library). The platform is FCA-regulated and connects to users' bank accounts via Open Banking powered by Plaid.

Differentiator

Problem solved

Functional benefit

Products and services

• Salary Sacrifice Scheme Suite A suite of HMRC-compliant salary sacrifice benefits that enable employees to exchange gross salary for non-cash benefits, reducing National Insurance contributions for both employers (up to 15%) and employees (up to 47%). Sold to UK employers as part of the Mintago benefits platform.
• Grocery Super Saver A cost-of-living support benefit offering employees 6–8% guaranteed discounts on groceries at all major UK supermarkets and HelloFresh all year round, with average savings of £330/year per employee, available to all employees regardless of salary level.
• Pension Dashboard with Pension Hunter A pension management tool enabling employees to track pension progress, adjust contributions, automatically search for and recover lost pension pots from previous employers, and access free impartial financial advice, all within a single interface. Mintago reports over £50 million in lost pensions recovered through Pension Hunter.
• Virtual GP A 24/7 virtual general practitioner benefit providing employees with a helpline and video consultations 7 days a week, supporting physical and mental wellbeing as part of Mintago's health and wellbeing benefits suite.
• Employee Assistance Programme (EAP) An Employee Assistance Programme offering employees 24/7 access to accredited counsellors to help with personal and professional challenges as part of Mintago's health and wellbeing benefits.
• Health Rewards & Discounts Marketplace A health benefits marketplace offering employees access to gym memberships, health and fitness discounts, and a comprehensive health cash plan, with employers able to add credit to the marketplace as part of their reward strategy.
• Family Support & Elderlycare Service A family support service helping employees navigate childcare and elderlycare with expert guidance, accredited financial support, and legal advice for personal and family matters, including elderlycare sourcing and funding advice.
• Financial Coaching & Advice Free financial advice services including access to a panel of impartial financial advisers covering topics from buying a house to writing a will, expert live and on-demand masterclasses, and a bitesize learning library for financial skills development.
• Mintago Employer Portal The centralised employer-facing platform providing onboarding, employee management, payroll reporting, engagement tools (comms and surveys), dedicated support, and built-in reporting for HR teams administering all Mintago benefits via live.mintago.com.

Quantifiable outcome

• Employers can save up to 15% on National Insurance contributions via salary sacrifice
• +6 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

15 partnerships are on record, tiered core and minor.

• One Financial SolutionscoreStrategic or Co-development Partner · 4 August 2025Partnership announced August 2025 to combine independent financial advice with Mintago's financial wellbeing platform. One Financial Solutions provides regulated financial advice that complements Mintago's digital platform, delivering expert financial guidance to Mintago's employer clients and their employees.
• IntelliflocoreTechnology or Integration · 21 November 2022Strategic partnership with Intelliflo, a leader in financial advice technology. The integration enables advisers to access Mintago's lost pension pot recovery and pension management tools within the Intelliflo platform, extending Mintago's reach to advisers' client bases.
• KinsailminorStrategic or Co-development PartnerChildcare scheme partner for the Mintago salary sacrifice platform. Kinsail provides access to nursery networks for the childcare salary sacrifice benefit, with employers paying 14% of the sacrificed amount split between Kinsail and the nursery.
• YellowNestminorStrategic or Co-development PartnerChildcare scheme partner for the Mintago salary sacrifice platform, alongside Kinsail.
• HalfordsminorStrategic or Co-development PartnerIntegrated cycle to work partner through which Mintago delivers cycling salary sacrifice schemes. Halfords provides the bikes and integrated administration for the employer cycle to work benefit.
• The Electric Car SchememinorStrategic or Co-development PartnerEV salary sacrifice partner enabling Mintago to offer electric vehicle salary sacrifice schemes to employer clients. The Electric Car Scheme provides vehicle sourcing and administration.
• TuskerminorStrategic or Co-development PartnerEV salary sacrifice partner alongside The Electric Car Scheme. Tusker provides electric vehicle salary sacrifice scheme administration.
• Love ElectricminorStrategic or Co-development PartnerEV salary sacrifice partner offering an alternative to The Electric Car Scheme and Tusker. Love Electric provides electric vehicle salary sacrifice scheme administration.
• Blackhawk Network (BHN)minorStrategic or Co-development PartnerHome & Garden salary sacrifice partner. BHN (Blackhawk Network) provides the voucher and card programme for the home and garden salary sacrifice benefit, enabling employees to purchase home goods up to £5,000 per agreement.
• Mobile AdvantageminorStrategic or Co-development PartnerMobile and technology salary sacrifice partner. Mobile Advantage provides mobile device and technology product sourcing and administration for the tech salary sacrifice benefit.
• InspireminorStrategic or Co-development PartnerTravel salary sacrifice partner. Inspire provides travel budget management and booking administration for the travel salary sacrifice benefit.
• Plaid Financial Ltd.coreTechnology or IntegrationPlaid Financial Ltd. is an authorised payment institution regulated by the FCA (Firm Registration Number: 804718). Mintago provides regulated account information services as an agent of Plaid, enabling open banking connectivity within the Mintago platform.
• DataCo International UK Limited (DataGuard)minorOthersDataCo International UK Limited (trading as DataGuard) has been appointed as Mintago's Data Protection Officer (DPO), responsible for overseeing data protection questions and ensuring GDPR compliance.
• OddboxminorChannel Partner/ Reseller/ DistributorOddbox, a food-waste-fighting fruit and veg subscription box, partnered with Mintago in August 2022 to deliver financial wellbeing benefits to its staff. Oddbox represents Mintago as a client using the platform.
• The HBP GroupminorChannel Partner/ Reseller/ DistributorThe HBP Group, an IT and software provider, partnered with Mintago in January 2023 to deliver financial wellbeing benefits to its staff. The HBP Group represents Mintago as a client using the platform.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PayFit: European payroll and HR SaaS platform serving SMEs across the UK and continental Europe. Comparable due to overlap on payroll-adjacent benefits, employer subscription model, and UK SME target segment.
• Salary Finance: UK employee financial wellbeing platform offering salary-linked loans, savings and financial education through employer channels. Highly comparable employee financial wellbeing proposition and B2B2C employer-led distribution.
• Wagestream: UK-based earned wage access and financial wellbeing platform offered through employers. Comparable because it competes for the same employer financial wellbeing budget and targets UK employees under financial stress.
• The Electric Car Scheme: UK EV salary sacrifice provider and Mintago integration partner. Directly comparable on the EV salary sacrifice product line and competing for employer mandates on a standalone or bundled basis.
• Hastee: UK earned wage access and financial wellbeing benefits provider sold through employers. Comparable target buyer (UK HR/Finance) and overlapping employee value proposition (financial flexibility, salary-linked benefits).
• Perkbox: UK employee benefits and engagement platform offering discounts, wellbeing, recognition and perks to employers. Directly comparable to Mintago in horizontal benefits platform positioning; founded by Mintago's CEO Chieu Cao.

Broad incumbents

• Smart Pension: Established UK workplace pension and auto-enrolment provider serving employers at scale. Overlaps with Mintago's pension management and pension salary sacrifice capabilities with significantly larger employer footprint.

Emerging players

• Cushon: UK workplace savings and pension platform with employer-led distribution. Comparable on workplace pension and financial wellbeing proposition aimed at UK employers.
• Bippit: UK financial coaching platform offered as an employee benefit. Overlaps with Mintago's Financial Coaching & Advice product and competes for the financial wellbeing line item in employer benefit stacks.
• Penfold: UK digital workplace pension provider for SMEs. Partial overlap with Mintago's Pension Dashboard and pension salary sacrifice offering; competes for the same employer pension budget.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/getmintago
• Facebookfacebook.com/getmintago
• LinkedInlinkedin.com/company/getmintago
• Instagraminstagram.com/getmintago

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds4 records

Investors11 records

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 Mintago