Spending and saving

At the heart of our financial wellness support, nudge is designed to give you independent information and guidance to help find your way through the complex world of personal finances. Nudge works by giving you three things: 

• A ‘nudge’ when something happens that affects your finances: moving home, changes to income or new legislation - you’re told what you need to know, without having to ask.
• An independent, confidential and sales-free website providing learning guides on everything from insurance to ISAs; crowdfunding to credit cards
• 'People Like You' comparisons that help you set and achieve your Dreams & Goals 

You can access the tool through Spectrum or by clicking here.

Available to permanent employees and those on fixed term contracts only.

Make your money go further with Perks at Work! Explore discounts and offers available on an extensive range of goods, services and experiences.

From groceries to broadband to cinema to holidays and much more… it's amazing how the savings add up. In the past 12 months, Perks at Work has helped employees save over £550,000. You can also share the portal with up to 10 family and friends. 

Discounts and offers change from time to time, with retailers often offering limited time promotions above the normal discount, so look out for emails and check in at the site to make sure you don’t miss out!

• Access Perks at work here

• Available to permanent employees and those on fixed term contracts only.

   

With the bYond card you can earn cashback every time you spend at over 70 high street and online retailers, restaurants and supermarkets.

• Signup at any time of year and we'll start topping up your card from your monthly salary
• Manage your card through an app, which also allows you to make extra instant top-ups whenever you want – even while queuing in-store to pay!
• Double up discounts through the Perks at Work portal and/or get a joint card to share with a partner

Sign up for your bYond card via Spectrum 

You can select this benefit or change your selected monthly contribution at any point in the year. Available to permanent employees and those on fixed term contracts only.

A Kids Pass membership gives you access to fantastic savings for family and friends to enjoy. Kids Pass is a UK leading family discount provider for a wide range of activities including cinema, restaurants, theme parks and gift cards.

• Sign up for Kids Pass via Spectrum
• You can select this benefit or change your selected monthly contribution at any point in the year.

• Available to permanent employees and those on fixed term contracts only.

   

Calling all foodies… this one’s for you. Tastecard and Gourmet Society memberships (and digital apps) offer discounts on over 10,000 bars and restaurants nationwide. 

One year’s membership with the Gourmet Society for example costs just £2 per month (RRP of up to £79), giving you access to savings such as 50% off your food bill, 2-for-1 meals, and in some instances, 25% off your final bill (including drinks) in participating restaurants.

You can choose up to five memberships of each card, making the perfect gifts to family or friends.

Find out more about restaurant cards on Spectrum

You can select this benefit at any point in the year. Available to permanent employees and those on fixed term contracts only.

To help with the cost of travel we offer Season Ticket Loans up to £8,000 per year. This is essentially a 0% loan from the company to you repaid over 10 months, allowing you to stretch out the cost of travel and access the cheapest fares.

Find out more about season ticket loans by clicking here. Available to permanent employees and those on fixed term contracts only.