Origo Secure Internet Services LTD SWIFT/BIC code

What ORIGGBA1 means for a payment to Origo Secure Internet Services LTD

The 8-character code ORIGGBA1 and the 11-character code ORIGGBA1XXX identify one and the same institution: Origo Secure Internet Services LTD, with its head office in Edinburgh. Every bank on the SWIFT network uses BIC codes to route international transfers to the right institution. You will need it mainly for payments that cross a border or a currency.

This page is meant to help people who receives money at an account at Origo Secure Internet Services LTD without mistakes. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number is for.

Do you need ORIGGBA1 for a SEPA transfer?

Since United Kingdom is in the SEPA zone, a euro payment to Origo Secure Internet Services LTD from within the SEPA area usually requires just the IBAN. Most banking apps no longer ask for the BIC in that case or fill it in for you.

The BIC still come into play for payments in other currencies and when the money comes from outside SEPA. If a payment form asks for the BIC regardless, entering ORIGGBA1 does no harm.

Instant payments in euros are widely available within SEPA. Fees for SEPA transfers tend to be low as long as everything stays in euros.

What to give a sender who pays you at Origo Secure Internet Services LTD

When you expect a payment from another country, give the sender everything they need in one go. Share your name as the bank knows it, your account number or IBAN, SWIFT code ORIGGBA1XXX and your address, which some banks require.

The sender’s bank may also ask for the bank address of Origo Secure Internet Services LTD, in which case the Edinburgh head office is the usual answer. A typo in your account number is harder to fix than you might think, so copy the details from your online banking.

An incoming payment does not always land in full. Charges on incoming payments differ per bank – the price list of Origo Secure Internet Services LTD tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.

How up to date is this code?

The directory on GoldexPay draws on publicly available sources. It can happen that information on this page is no longer current, for example after a merger. Counts and locations come from our own dataset and may differ from what Origo Secure Internet Services LTD publishes.

Use our data as a starting point, not as the final word. GoldexPay is a comparison service and not part of Origo Secure Internet Services LTD. Found an error? Let us know through the contact page and we will look into it.

Why Origo Secure Internet Services LTD has an 8- and an 11-character code

The layout of a BIC never changes: a bank code of four letters, two for the country and two for the location, plus an optional branch code. That gives you ORIGGBA1, the short form of the code.

Most banks and apps work with either length. If a form requires eleven characters, use ORIGGBA1XXX.

As a rule the code is written in capitals, without spaces or dashes. A single character may route the money to another bank, so check it twice.

Before you send: check the Origo Secure Internet Services LTD code

Ask the recipient to send you the bank details straight from their online banking. Compare it against ORIGGBA1 on this page; if they differ, ask before you pay.

With a wrong code, the payment might be delayed, be returned or end up costing more, and tracing it can take weeks. An error in the account number is a bigger problem; check it just as carefully.

A validity check in your banking app merely confirms that the IBAN exists. Where available, a name check before sending adds an extra layer of safety. Sending a small amount first can be worth it for a large first payment despite the extra fee.

Sending money abroad from Origo Secure Internet Services LTD

An international bank payment can cost more than the listed fee. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup if the currency changes.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialised transfer providers frequently use rates closer to the mid-market rate with clearer fees. Before your next transfer, take a minute to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Origo Secure Internet Services LTD.

When will the money arrive at Origo Secure Internet Services LTD?

There is no single answer: many arrive within a day while others need several business days. Transfers sent late in the day or just before a weekend or public holiday usually start the next business day. Extra checks by one of the banks can also add some delay.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the money has arrived.

A missing payment is traced from the sending side. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

Scams that use SWIFT codes

Be wary if a contact suddenly wants you to pay into another account. A valid SWIFT code says nothing about who owns the account – scammers simply use real codes.

Always confirm a change of bank details by phone on a number you know, not one from the message. Urgency and secrecy tend to be red flags; a genuine business can wait for you to check. Already paid? Call your bank without delay and ask them to try to recall the payment and report the fraud.

Scams also target the receiver. Someone claims to have sent more than agreed and wants you to return the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Paying into Origo Secure Internet Services LTD in GBP

United Kingdom pays in the British Pound. If you send money in a different currency it has to be converted at some point: by your bank, an intermediary or Origo Secure Internet Services LTD itself. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. In many cases it is cheaper if you send GBP straight away via a provider with a good rate, so that the receiving bank does not need to convert again.

The rate for GBP changes constantly. On larger amounts, even seemingly small gap in the rate adds up quickly.

Origo Secure Internet Services LTD: head office code versus branch codes

With 2 codes in 1 locations, Origo Secure Internet Services LTD belongs to the banks that use separate codes for parts of the organisation. The main code remains ORIGGBA1XXX.

For most incoming transfers, the head office code ORIGGBA1XXX is what you need. Only use a branch code when the account holder explicitly asks for it.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes are more prone to change than the head office code.