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Employee Engagement
Salary sacrifice schemes made simple
Capture, manage and deliver all your salary sacrifice schemes in one place with full flexibility over how benefits are offered.
Our platform brings all salary sacrifice schemes together:
- Built-in compliance to meet HMRC rules and reduce risk.
- Seamless payroll and HR integration, ensuring accurate deductions and reporting.
Businesses using our platform have saved more than £45 million through salary sacrifice schemes, making benefits easier to access and freeing up resources for additional reward initiatives.
Trusted by UK organisations of all shapes, sizes and industries
What is salary sacrifice?
Salary sacrifice is a contractual agreement where an employee gives up part of their salary in return for a non-cash benefit. When managed correctly, this can create tax and National Insurance savings for both the employer and the employee. Common examples include pension contributions, cycle-to-work schemes and electric vehicle benefits.
Host and manage all your salary sacrifice schemes on one platform.
Include any of these schemes, and even include your existing pension and group benefits or let us broker them for you.
Everything from applications to management happens in one place, so you and your employees never have to leave.
MotorSave
MotorSave is a unique employee benefit scheme designed to help employees save up to 8% on car maintenance.
Holiday trading
Holiday trading allows employees to buy and sell annual leave with significant salary and NI savings on offer, with flexible scheme setup to suit you.
Childcare vouchers
Many employees still utilise Childcare Vouchers, and any existing Childcare Voucher scheme you have can be hosted alongside our other great salary sacrifice schemes.
Car benefit scheme
With an average £900 per month scheme application value, the salary sacrifice car scheme remains increasingly popular with both employers and employees.
Bike to work scheme
Also known as cycle to work, the bike to work scheme is one of the most sought after salary sacrifice employee benefits where employees get a new bike which they pay for out of their salary, saving them money on tax and National Insurance.
Why are salary sacrifice schemes high-value for employers?
Salary sacrifice can deliver significant commercial benefits. Done well, it reduces employer National Insurance costs, improves employee value and strengthens your overall reward strategy.
But these advantages only materialise when schemes are managed correctly. Employers must protect National Minimum Wage thresholds, target schemes appropriately and keep payroll and HR data aligned.
Failure to do so can lead to compliance breaches and financial risk.
Via East Midlands made over £190,000 of NIC savings by using our platform to implement salary sacrifice schemes at scale while maintaining full compliance. This approach helped them deliver measurable savings and improve employee engagement without adding administrative burden.
What employers typically save when salary sacrifice is managed through our platform
Salary sacrifice delivers the greatest impact when managed consistently and transparently. Our platform unifies all schemes into one compliant system, enabling employers to track savings, reduce risk and show clear financial results.
Employer NI savings are calculated automatically as employees apply. Finance and HR teams gain full visibility of uptake, total savings and scheme performance through detailed reporting. This supports confident investment decisions and helps reinvest savings into wider reward and wellbeing initiatives.
With accurate calculations, built-in compliance and strong employee engagement, salary sacrifice becomes a dependable, auditable financial tool for the organisation.
Why Choose our Salary Sacrifice Platform?
One platform for every salary sacrifice scheme you offer
Managing multiple salary sacrifice schemes often means juggling different systems, providers and logins. Our platform removes that complexity by hosting all your schemes in one place, giving you:
- One platform for every scheme, including pensions, cycle-to-work and EVs
- Keep your current providers without disruption
- One admin experience for HR teams
- One employee journey for staff
Employees can view all available salary sacrifice options, apply and see the impact on their pay in a single session. No jumping between systems, no separate logins. For example, an employee can check their annual leave balance in PeopleXD Evo, move straight into Holiday Trading, submit an application and instantly see the effect on their net pay, all within the same platform.
This unified experience drives higher engagement, eliminates duplicate data and ensures reporting is consistent across payroll and HR.
Built-in compliance that protects your business
Compliance isn’t checked after submission. It’s enforced at the point of application.
Our platform gives employers complete confidence with:
- Automatic National Minimum Wage checks applied during every application
- Real-time visibility of gross and net pay impact for employees
- Multi-scheme aggregation protection, so employees can apply for multiple schemes in one session and see the total effect on their pay while the system prevents any breach of NMW rules
- Ongoing compliance as salaries, hours or roles change, ensuring schemes remain valid over time
- Full regulatory compliance at all times, including updates to OpRA, minimum wage and tax.
This approach removes risk and manual checks, giving HR teams peace of mind and employees a transparent, self-service experience.
Find out more about the benefits of salary sacrifice schemes
Fully integrated with the wider Access HR software suite
Choose to harmonise all your salary sacrifice schemes under one platform, or take it one step further and integrate this platform as part of a connected HR software ecosystem.
Discover one session and one system for everything, including:
- HR, payroll, benefits and payslips in one place
- No duplicate data and fewer manual updates
- Fewer errors, higher adoption thanks to a seamless experience for both employees and HR teams
Employees can check their payslip, review benefits, and apply for salary sacrifice schemes without leaving the platform. For HR, integration means accurate reporting and less admin.
Salary sacrifice scheme FAQs
Is Access Salary Sacrifice compliant?
Yes, when managed correctly. Our platform enforces compliance at the point of application, including automatic National Minimum Wage checks.
What happens if an employee drops below NMW?
The system prevents applications that would breach NMW rules, even when multiple schemes are selected in one session.
Can we keep our existing providers?
Absolutely. You can host all current schemes and providers on our platform without disruption.
How are savings calculated?
Employees see instant illustrations of gross and net pay impact, including combined savings across all schemes.
How do I implement a salary sacrifice scheme?
We handle setup for you. Once your company is signed up, our team guides you through onboarding and configuration.
What are the salary sacrifice costs to the employer?
There’s no setup cost. Employers typically save on National Insurance while employees benefit from tax efficiencies.
How do you make it easy to manage the scheme?
Our HR dashboard gives you full visibility and control, from approvals to reporting, with minimal admin.
What is the difference between salary sacrifice and salary deductions?
There is quite a stark contrast between the two and they usually get confused. Salary sacrifice is any benefit paid from your salary at a gross level, meaning before tax and National Insurance contributions. Salary deductions are the opposite, any benefit paid from your salary at a net level, meaning after tax and National Insurance contributions.
How do salary sacrifice schemes work?
The most important tool in salary sacrifice is communication. You will have to notify your employees of the salary sacrifice scheme and agree on the cash value of the benefits for each individual employee. Whether employees want financial or health and wellbeing benefits, this is to ensure they are fairly compensated for the income they are sacrificing.
Ready to transform your employee experience?
Deliver salary sacrifice schemes that are simple, compliant and cost-effective. Our platform gives you everything you need to manage benefits, protect compliance and maximise savings for your business and your employees.
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Latest salary sacrifice resources
Our salary sacrifice scheme resources offer advice and guidance from industry experts. Check out our employee benefits blog for additional information.
