Overseas Trust and Pension

What Overseas Trust and Pension does

Overseas Trust and Pension (OTAP) is a Guernsey-regulated specialist provider of international pension, trust, retirement, and employee benefit solutions, founded in 2008 (as The Overseas Pension) and reorganised in 2012 through a merger with Kleinwort Benson to form the current entity. The company is licensed by the Guernsey Financial Services Commission (regulation number 2101366) under the Regulation of Fiduciaries, Administration Businesses and Company Directors (Bailiwick of Guernsey) Law, 2020, and additionally authorised by the South African FSCA (FSP number 47261), operating from offices in St Peter Port (Guernsey), Alderney, Somerset West (South Africa), and Mauritius.

OTAP's product portfolio spans international retirement plans (OPES International Retirement Plan and its Portugal-specific variant, COPIA QNUPS, ELEMENTS International Pension Plan, SENTINEL International Preservation Fund), Portfolio Trusts, and corporate benefit schemes (Provident Fund, Occupational Pension Scheme, Gratuity Scheme, Share Option Scheme, Preservation Fund), delivered across four product tiers (ACCESS, SELECT, ADVANCED, ADVANCED PLUS). The firm operates proprietary online platforms — a Private Clients Dashboard and an Adviser Resource Centre — that enable account valuations, investment transactions, benefit payment management, and digital certification for onboarding, supplemented by DocuSign for digital document execution.

The business model is fee-based and recurring: OTAP charges annual administration fees per product tier plus activity-based fees for transactions such as benefit payments, investment switches, and plan changes. Distribution is exclusively indirect, delivered through a network of 465+ independent financial advisory groups globally, with technical training, case reviews, and marketing support provided to advisers. OTAP safeguards more than USD 2.5 billion of client funds in segregated accounts with independent custodians, administers solutions for 6,000 individuals and corporations, and serves clients in over 121 countries, with a stated market share exceeding 80% among South African domestic advisers.

Name

Overseas Trust and Pension

Legal name

Overseas Trust and Pension Ltd

Website

https://trustandpension.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Overseas Trust and Pension is a Guernsey-regulated specialist provider of international pension, trust, and retirement solutions serving high-net-worth private clients, multinational corporate employers, and independent financial advisers across 121+ countries.

Ownership category

akta.pro rank

Product category

International Pension and Trust Administration

NAICS

Trusts, Estates, and Agency Accounts (525920), Pension Funds (52511), Insurance and Employee Benefit Funds (5251)

SIC

Finance Services (6199)

akta.pro primary industry

Trust & Fiduciary Advisory for HNW/UHNW (Trust Structuring & Trustee Oversight) (FSAAABAF)

akta.pro secondary industries

Offshore & International Private Banking (FSAAABAB), Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB)

Keywords

• International pension administration
• Offshore trust services
• QROPS QNUPS solutions
• Retirement planning services
• Wealth succession planning

Headquarters

HQ city

St. Peter Port

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension and Trust Administration Fees: Fees charged for the administration of international pension plans (OPES, ELEMENTS, ACCESS, SELECT, SENTINEL), QNUPS, and portfolio trusts. Fee schedules are published for each product tier (SELECT, ADVANCED, ADVANCED PLUS, ACCESS) and include activity-based fees.
2. Product Fee Schedules: Multiple product tiers with differentiated fee schedules (SELECT, ADVANCED, ADVANCED PLUS, ACCESS, Activity Fee Schedule). Annual and transaction-based fees apply depending on the product and activity performed.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Overseas Trust and Pension (OTAP) administers international pension plans, QNUPS, portfolio trusts, and preservation funds for private clients and corporate employers across more than 121 countries. The company safeguards over USD 2.5 billion of client funds in segregated accounts with independent custodians, distributing its products exclusively through a global network of independent financial advisers (IFAs).

Product overview

Overseas Trust and Pension (OTAP) is a specialist provider of international trust, retirement and pension solutions offering a suite of award-winning financial products. The core product portfolio includes: OPES International Retirement Plan (the flagship product launched in 2006, with a Portugal-specific variant launched in 2020), COPIA QNUPS for British expatriates with UK Inheritance Tax benefits, SENTINEL International Preservation Fund, and Portfolio Trust for wealth protection and succession. The company operates product tiers including ACCESS (low-entry, launched 2017), SELECT (low-cost option, launched 2023), ADVANCED, and ADVANCED PLUS. For corporate clients, OTAP provides Provident Funds, Occupational Pension Schemes, Gratuity Schemes, Share Option Schemes, and Preservation Funds. The company also maintains online platforms including an Adviser Resource Centre and Private Clients Dashboard for account management. OTAP acquired Carey Pensions and Benefits Ltd in 2016.

Differentiator

Problem solved

Functional benefit

Products and services

• OPES International Retirement Plan A flexible, regulated international retirement and savings plan designed for accumulation, access, protection, and succession of private family wealth, with asset protection, portability, and tax efficiency for internationally mobile individuals.
• OPES Portugal International Retirement Plan International Retirement Plan launched in 2020 specifically designed for UK expatriates resident in Portugal, providing a tax-efficient retirement structure in that jurisdiction.
• COPIA QNUPS

Quantifiable outcome

• Over USD 2.5 billion of client funds safeguarded
• +5 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Nedgroup Trust Limited (formerly Fairbairn Trust Company)coreStrategic or Co-development Partner · 1 January 2011Solutions developed in conjunction with Nedgroup Trust Limited (formally Fairbairn Trust Company), a registered Guernsey business ultimately owned by Old Mutual PLC, which is FTSE 100 listed. This partnership produced award-winning products including the 'Best QROPS Provider' award in 2011.
• Old Mutual PLCminorOthersUltimate parent company of Nedgroup Trust Limited. FTSE 100 listed company referenced as part of the partnership structure for product development and quality endorsement.
• Multinational Life CompaniesminorOthersPartner firms include multinational life companies, international banks, and top advisory firms from around the world. These firms form part of OTAP's partner ecosystem for delivering international pension and trust solutions.
• Top Advisory FirmscoreChannel Partner/ Reseller/ DistributorOTAP works with over 465 financial advisory groups and top advisory firms globally as the primary distribution channel for its products.
• Grant ThorntoncoreOthersGrant Thornton serves as OTAP's independent auditor, providing external audit services as part of the company's governance and regulatory compliance framework.

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trust-and-pension-otap

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 Overseas Trust and Pension