Origo

What Origo does

Origo Services Limited is a UK-based fintech infrastructure provider headquartered in Edinburgh, operating the dual brands Origo and Unipass to connect the financial services industry through digital data exchange and process automation. Founded in 1991, the company builds cloud-based middleware that enables financial advisers, product providers, platforms, and adviser software suppliers to share data and execute transactions without building costly point-to-point integrations. Its core products include the Origo Integration Hub (a 'connect once' interoperability layer with 42 connected organisations), the Origo Transfer Service (a UK market-leading electronic transfer rail for pensions, GIAs and ISAs processing £40bn+ annually across 150+ brands), Origo Asset Migration (bulk asset transfers for the consolidating advice market), Origo Mortality Screening, Origo Dashboard Connector (pensions dashboards connectivity), Unipass Identity (digital identity trusted by 8 out of 10 UK financial advisers), Unipass Letter of Authority (digital LoA workflow), Unipass Transfer Tracking (real-time status search), and Unipass Mailock (encrypted email).

The company monetises through transaction-based fees on transfer volume, subscription and licensing fees for the Integration Hub and platform services, and professional services for onboarding and integration support. Specific pricing is largely quote-based for enterprise customers, with select services historically offered free to drive adoption (Unipass Letter of Authority was free until July 2021). The go-to-market is B2B enterprise sales targeting the UK financial services ecosystem, supplemented by content marketing, industry events, webinars, and strategic partnerships (notably with Capgemini on the Pensions Dashboards Programme and with Beyond Encryption on Mailock).

The business serves three primary customer segments: financial advisers and advice firms, financial product providers and platforms (insurance, pension, investment), and adviser software suppliers. Selected enterprise customers include Standard Life, Prudential, Skipton Building Society, Aegon UK, Aviva, Legal & General, Royal London, and Intelliflo. The company is privately held with no disclosed institutional investment and operates as founder/management-owned, with a senior leadership team drawn from established UK financial services and fintech backgrounds (including former executives of FNZ, Tesco Bank, Standard Life, Royal London, IRESS, and iPipeline).

Name

Origo

Legal name

Origo Services Limited

Website

https://origo.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

Origo is a UK-based fintech infrastructure provider operating the Origo and Unipass brands to deliver digital data exchange, transfer processing, integration, identity, and secure communications services to financial advisers, product providers, platforms, and software suppliers across the UK financial services industry.

Ownership category

akta.pro rank

Product category

Financial Services Technology Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)

akta.pro secondary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Pension transfer services
• Financial integration platform
• Adviser authentication services
• Secure document exchange
• UK fintech infrastructure

Headquarters

HQ city

Edinburgh

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction-based fees: Origo charges transaction fees for processing pension and investment transfers through the Origo Transfer Service. With £40bn transferred in a year and over 150 financial services brands using the service, transaction fees represent a significant revenue stream.
2. Subscription/ Licensing fees: Platform and integration services are likely subscription-based, with providers, platforms and adviser software houses paying recurring fees to access the Integration Hub and other services.
3. Professional Services: Implementation and consulting services for onboarding new customers to the platform, as evidenced by references to onboarding support and training.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Origo provides cloud-based fintech infrastructure that digitises and connects the UK financial services industry across its two brands, Origo and Unipass. It delivers electronic pension, GIA, and ISA transfer processing, an integration hub for adviser software, platforms, and providers, digital identity and authentication for advisers, secure encrypted communications, mortality screening, bulk asset migration, and pensions dashboard connectivity. The offering is sold as enterprise B2B infrastructure to financial advisers, product providers, platforms, and software suppliers in the UK.

Differentiator

Problem solved

Functional benefit

Brands

• Origo Services: Origo's core services including Transfer Service, Integration Hub, Asset Migration, Mortality Screening, Transfer Tracking, Dashboard Connector, and Pensions Dashboards.
• Unipass Services

Products and services

• Origo Transfer Service Fully automated digital process for pension, GIA, and ISA transfers, completing in days what previously took weeks of manual administration. Used by 150+ UK financial services brands and processing £40bn+ in transfers in a single year.
• Origo Integration Hub Centralised interoperability hub enabling adviser software systems, platforms, and providers to connect once and share information with all connected parties, replacing costly point-to-point IT integrations. Supports valuations, bulk valuations, account opening, remuneration, transfer tracking, and bulk transaction history.
• Origo Asset Migration Advanced digital service for bulk asset transfers in the UK financial sector, making large-volume transfers faster, more secure, and significantly more efficient for advisers, platforms, and PE-backed consolidators.
• Origo Transfer Tracking Real-time online tracking service enabling advisers to monitor the progress of their clients' pension, GIA, and ISA transfers, reducing inbound inquiry calls and improving customer service.
• Origo Mortality Screening Cost-effective service to verify customer payment recipients are still living, keeping data accurate and up-to-date across providers and administrators.
• Origo Dashboard Connector Connectivity service enabling providers and administrators to connect to the UK Pensions Dashboards (ISP) ecosystem in a simple, straightforward manner, supporting regulatory compliance.
• Pensions Dashboards Programme Core architectural components of the UK Pensions Dashboards Programme delivered by Origo alongside Capgemini, including the pensions finder service, consent and authorisation service, and governance register.
• Unipass Identity Digital identity service trusted by 8 out of 10 UK financial advisers, enabling secure authentication for advisers to conduct business with providers and platforms.
• Unipass Letter of Authority Digital service enabling financial advisers to input Letter of Authority information once and send it securely to all relevant providers and platforms on the system, eliminating paper-based Letter of Authority workflows.
• Unipass Mailock Military-grade encrypted email communication system with advanced encryption for precise identity authentication between sender and recipient, protecting providers, advisers, and clients from sensitive information breaches.
• Unipass Transfer Tracking Real-time search capability on the status of pension, cash, and annuity transfers being processed through the Origo Transfer Service, available to advisers authenticated via Unipass.
• Unipass Agency Management Agency management service within the Unipass portfolio enabling financial adviser firms to manage user access, identity credentials, and permissions across their organisation and connected providers.

Quantifiable outcome

• £40bn transferred in one year (June 2021), demonstrating processing scale and reliability
• +3 more outcomes

Named customers7 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

Feature10 records

Partnerships

Five partnerships are on record, tiered core.

• CapgeminicoreStrategic or Co-development Partner · 15 November 2021Pensions Dashboards Programme awarded contract to Capgemini for delivery of central technical architecture. Capgemini partnered with Origo to deliver the pensions finder service, consent and authorisation service, and governance register. Origo brings 30-year history of delivering fintech solutions and deep pensions industry expertise.
• Pensions Dashboards Programme (PDP)coreStrategic or Co-development Partner · 15 November 2021PDP is part of the Money and Pensions Service (MaPS) and selected Capgemini with Origo to build the core architecture for pensions dashboards. The programme aims to enable UK individuals to view all their pensions data via a dashboard.
• Beyond EncryptioncoreTechnology or Integration · 3 August 2020Origo provides Unipass Mailock secure email services in partnership with Beyond Encryption. The service uses advanced encryption for secure email communication between providers, advisers and clients.
• IntelliflocoreTechnology or IntegrationIntelliflo, a leading adviser software platform, integrates with Origo services including Integration Hub and Transfer Service, enabling advisers to broaden their offering and integrate with new product providers and platforms.
• Origo Integration Hub Partners (42 organisations)coreTechnology or Integration42 organisations including providers (Standard Life Aberdeen, Aegon, Aviva, L&G, Prudential, Royal London), platforms, and adviser software houses (Intelliflo, IRESS) connected through the Integration Hub, sharing data and integrating once rather than point-to-point.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Iress: Global financial software provider with deep UK adviser software footprint (formerly IRESS). Competes in the same adviser-platform integration and connectivity space and is itself an Integration Hub participant — directly comparable infrastructure-adjacent offering to UK advice firms.
• Intelliflo: Leading UK adviser software platform serving thousands of advice firms. Both an Origo customer and a competing integration point for adviser back-office workflows; comparable B2B SaaS model serving the same UK IFA base.
• Hubwise: UK adviser platform offering back-office, integration and wrap services to advice firms. Operates in the same adviser platform/integration segment and competes for similar integrations with providers that Origo services through its Hub.
• Dynamic Planner: UK financial planning and risk profiling software used by advisers and DFMs. Several Dynamic Planner alumni sit in Origo's commercial team, evidencing the comparable buyer base and product adjacency in the UK advice technology stack.

Broad incumbents

• FNZ: Global wealth management platform serving major UK and international providers. Origo's CFO joined from FNZ, and FNZ is a comparable large-scale wealth platform that could either partner with or compete against Origo's Integration Hub for provider integration work.
• SS&C Technologies: Large global financial services software provider with UK wealth and adviser solutions (Advent Geneva etc.). Competes broadly for the same provider IT spend as Origo's Integration Hub and Transfer Service.
• Plaid: Global financial data connectivity platform enabling bank account authentication, balance and transaction access. Comparable role as a connectivity layer in fintech, and a potential entrant into UK financial adviser workflows via its open banking capabilities.
• Bravura Solutions: Wealth management and transfer agency technology provider with strong UK and European footprint. Comparable in serving pension/wealth platform operators with workflow, administration and transfer automation technology.

Emerging players

• TrueLayer: UK and European open banking infrastructure provider enabling account-to-account payments and data connectivity. An emerging competitor in adjacent rails that could evolve into a transfer/identity substitute for traditional infrastructure like Origo's.
• Yapily: European open banking API platform connecting financial institutions to third parties. Comparable in the sense of providing UK/EU fintech data connectivity infrastructure, though focused more on account data aggregation than pension/transfer flows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/origo_services
• YouTubeyoutube.com/channel/UCV9QQNnhl5OlBcXIK4GCVsA
• LinkedInlinkedin.com/company/origo-services-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

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 Origo