A joined-up financial wellbeing platform that works for your whole workforce, not just the people who already know what an AVC is. It includes a personalised financial health check, educational resources, live webinars, one-to-one coaching, and access to financial products including Shared Cost AVCs, On-Demand Pay, and Auto Savings.

Most financial wellbeing platforms stop at content. We go further, combining education with real financial products that make a difference to employees' lives. Our Shared Cost AVC service is market-leading, and we're now adding On-Demand Pay and Auto Savings to give employers a complete proposition.

Everything is tailored to the individual, continuously updated and backed by independent certifications including ISO 27001, ISO 9001 and Cyber Essentials Plus.

We track engagement and satisfaction continuously, and update our content and products based on real feedback and industry developments. Our ISO 9001 certification means quality improvement isn't optional, it's built into how we operate.

Very. There's no joining fee, no monthly fee and minimal admin burden. For our new payroll-integrated products, setup typically takes 3–6 hours of employer time before launch, then under 30 minutes a month to manage, largely automated once connected to your payroll provider.

We hold ISO 27001 (information security), ISO 9001 (quality management) and Cyber Essentials Plus certifications, all independently assessed and annually maintained. Your employees' data is in safe hands.

On-Demand Pay lets employees access a portion of their earned salary before payday, up to 50% with a monthly cap of £850. There's a fixed fee of £1.95 per transaction, paid by the employee and deducted from their next payslip. No overdrafts. No credit cards. No stress.

Payroll Savings lets employees save automatically from their salary into a market-leading high-interest savings account every payday. They choose the amount, the deduction happens automatically and the money is accessible whenever they need it. Saving made effortless.

Nothing. Both products are included in the My Money Matters service at no additional cost to the employer. The only fee is the employee-paid £1.95 transaction fee for On-Demand Pay.

Our default is a fully automated integration with your existing payroll provider so employee details and requests sync automatically, with minimal ongoing admin. Current integrations include IRIS Cascade, IRIS Staffology, Shape/Ciphr, and SAP, with Workday, Oracle and ADP in progress.

If your payroll system isn't yet integrated, we'll build it. That's on us, not you.

In most cases, the new services are added via a straightforward contract addendum, no need for full re-procurement. This applies to employers on the PCC Framework or with Direct Award. Partners on existing contracts continue as normal and can opt in when they're ready.

My Money Matters is available to employees whose employer has partnered with us. This currently includes active Local Government Pension Scheme (LGPS) members and NHS employees from our partner organisations.

If your employer is a My Money Matters partner, visit app-avc.my-money-matters.co.uk/register to create your account. Once you're in, you'll be guided through a financial health check to personalise your experience from the start.

Depending on what your employer has enabled, the platform gives you access to:

• A personalised financial health check
• Shared Cost AVCs for your pension
• Free webinars and one-to-one coaching sessions
• On-Demand Pay: Access your earned salary early
• Auto Savings: Save automatically from your salary
• Max, our AI-powered financial assistant

A Shared Cost AVC (Additional Voluntary Contribution) is a way to top up your pension through salary sacrifice, so you save on tax and National Insurance at the same time. It's one of the most tax-efficient ways to boost your retirement pot and most people who use it wish they'd started sooner.

Sign in at app.my-money-matters.co.uk/login, click 'Learn more' on the Shared Cost AVCs tile, then hit 'Get started'. You'll be taken through to the AVC platform to complete your application.

Sign in at app.my-money-matters.co.uk/login, click 'Learn more' on the Shared Cost AVCs tile, and scroll to the 'AVC Coaching Sessions' section to book. These sessions are a chance to ask questions and talk through your personal circumstances, but please note, no financial or investment advice is given. Speak to an independent financial adviser if you need personalised advice.

Sign in at app.my-money-matters.co.uk/login and click the 'Webinars' tab. We'd recommend completing your financial health check first, it'll point you towards the sessions most relevant to your situation.

On-Demand Pay lets you access a portion of your earned salary before payday. Up to 50% of what you've earned, with a monthly cap of £850, transferred instantly to your bank account for a fixed fee of £1.95 per transaction, deducted from your next payslip.

No credit cards. No overdrafts. Just your money, when you need it.

• Log into the My Money Matters app
• View your earned balance and available amount
• Select how much you'd like to access
• Funds land in your nominated bank account instantly
• The amount is deducted from your salary at payday
• Your balance resets each pay cycle

Auto Savings automatically moves a set amount from your salary into a market-leading high-interest savings account every payday. You choose the amount and the rest happens without you having to think about it. Your savings are accessible any time you need them.

Sign up via the My Money Matters app, choose your savings amount and payroll deductions will begin from your next available pay cycle. Simple as that.

Max is our AI-powered financial assistant, available within the platform to answer your money questions, point you towards the right resources and help you figure out your next step, any time, without judgement.