Payroll Savings: the easiest way to save

Watch your money grow effortlessly and get peace of mind with a smart, automated way to save for your future. Great interest rates, directly from your salary.

Email your HR team

Do you want us to reach out to your company? Let us know

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Our UK regulated partner banks are part of the Financial Services Compensation Scheme (FSCS), meaning your money is safe up to Β£120,000.

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Your data is protected by end-to-end encryption and bank-grade security protocols, so you can save with confidence.

Saving just Β£3 a day adds up to Β£1,130.59 over a year with Β£35.59 paid in interest

Try our savings calculator to see how much you could save over time.

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Automated savings

Set a goal, choose an amount and let Payroll Savings do the hard work for you. Your savings come straight from your pay, so there’s nothing extra to think about. Simple and worry-free, helping you feel more in control.

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Great interest rates

Save with ease and earn with great interest rates – no need to compare accounts, we will always provide you with a good market rate.

*Rates are linked to Bank of England Base Rate and subject to change

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Money protection

Money in your savings account is protected by the Financial Services Compensation Scheme (FSCS), up to Β£120,000. This means that if anything were to happen to the bank, your savings would still be safe.

Market leading interest rates

We offer consistently high rates to help your money grow over time – far better than what you’d usually get sitting in a current account with a high street bank.

There’s no need to switch accounts, download new apps or chase short-term deals. Just effortless saving, straight from your pay, helping you build up money in the background.

Diagram showing higher interest with Payroll Savings vs High Street Bank.

How to kickstart your Payroll Savings now

62% of employees participating in financial wellness initiatives demonstrate higher levels of engagement and job satisfaction. Do you want to put your savings on autopilot and join them?

If your company offers Payroll Savings with Sync

Sign up in a few taps through your benefits platform, your payroll provider or your employer savings portal.

Choose a monthly deposit and kickstart your automated savings.

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If your company doesn’t offer Payroll Savings (yet!)

You can send an email to your HR team or we can contact with your employer for you and show them a demo of Payroll Savings.

Your employer can offer you Payroll Savings through their benefits platform or payroll provider, or by integrating their own savings portal.

Get in touch with your employer. Image of smiling women and emails.

All set? Sit back, and see your money grow

You will earn monthly interests on your savings.

Total peace of mind with instant access to funds

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Change your monthly deposit at any time

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FSCS protected, up to Β£120,000

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Get started now

Here’s what other Payroll Savers are saying

  • "I finally managed to store away a small pot for any emergencies… it gives me peace of mind."

    Anya
    Payroll Saver

  • β€œThese trips would not have been possible without regular saving over twelve months. We didn’t consider ourselves natural savers and we certainly didn’t save for anything else at this time. Our desire to travel gave us the motivation…”

    Mrs Borta
    Payroll Saver

  • "By keeping the habit, I built up my first home deposit bit by bit. It was just small amounts each month, but seeing it grow gave me the push to keep going until it finally became enough."

    K
    Payroll Saver

  • "Not wanting to be in that situation again with a broken washing machine - my savings fund came into being. We did without and built up and kept Β£300 in a savings account for the next twenty years or so as a security blanket."

    Mrs Borta
    Payroll Saver

  • β€œSaving straight from my pay makes it effortless - I hardly notice the money leaving, but it really adds up over time”

    Sally
    Social Prescriber, NHS

Email your HR team to get Payroll Savings

Use this template to get payroll savings at your company – simply copy and paste subject and body in your email and you are all set!

Email subject

Amazing new benefit idea: automated savings via payroll

Email body

Hi [HR Team],

Hope you're having a great day!

I've recently discovered a fantastic new employee benefit that could help us improve financial wellbeing across the team: Payroll Savings. It's an easy-to-use, automated savings account that integrates with payroll, allowing employees to save effortlessly, regularly and with great interest rates – directly from their pay.

I’d love to know if we can explore this benefit further and see if it could be a great addition to our wellbeing initiatives. You can learn more here sync-savings.com or by checking this deck out.

Looking forward to hearing your thoughts!
[Your Name]

Sync symbol: geometric sparkle pattern

Or let us help you get Payroll Savings at your workplace

By bringing payroll savings to your company, you can help build financial resilience for yourself and your teammates.

Fill out this form, and we’ll reach out directly to your company to get started.

We're here to make things easy for you!

FSCS protected logo with a black shopping bag icon and the text 'fscs PROTECTED' in black.

Our UK regulated partner banks are part of the Financial Services Compensation Scheme (FSCS), meaning your money is safe up to Β£120,000.

simple white shield icon on black background

Your data is protected by end-to-end encryption and bank-grade security protocols, so you can save with confidence.

Your questions about Payroll Savings

  • Payroll Savings is designed to work alongside your existing methods – not replace them. It’s an easy, set-and-forget way to build up savings straight from your pay, with high interest rates and no need to move money around. Think of it as an effortless top-up to your financial routine.

  • We only collect the essential information needed to set up and manage your savings account, such as your name, date of birth, address and payroll deduction amount. This data is securely shared with our banking partner to open and maintain your FSCS-protected savings account. Your personal data is never shared or used for marketing purposes without your consent.

  • Your employer only sees your payroll deductions each payday, but never your savings balance. They do see the total balance across all employees using payroll savings (this is to see the positive impact on financial security across the business). Your individual balance amount is private and not shared with your employer.

  • Your savings are held with a regulated UK bank that’s part of the Financial Services Compensation Scheme (FSCS), which protects eligible deposits up to Β£120,000. Your money is safe and secure – just like it would be in a traditional savings account.

  • Yes. It’s your money – withdraw any time, no penalties or hoops to jump through. Just log in to your savings account and select the amount you want to withdraw: the money will reach your current account the next working day.

  • No problem. You can pause your contributions or stop at any time. You’ll still have access to your savings pot and can withdraw your money whenever you need it. If you want to close your account, we’ll make it happen securely and transfer any remaining funds, including interest earned.

  • This depends on how your employer handle this.

    If you maintain access to the payroll/benefits app:
    Your savings account remains yours. If you leave your company, you can continue managing your savings through your payroll/benefits app or transfer your funds to another account. In some cases, you may also have the option to set up regular bank transfers to continue saving.

    If you don’t maintain access to the payroll/benefits app:
    If you leave your company, your savings account will be automatically closed. Your full balance will be automatically returned to your salaried account by 6pm the next working day. Any interested earned will be transferred at the end of the calendar month. You’ll receive a final statement confirming the closure and transfer of funds.

  • No fees, no charges. Everything you save is yours, plus interest.

  • No, Payroll Savings come out of your pay after tax, just like if you moved money to a savings account manually. It won’t change your take-home pay or affect your tax.

  • We offer consistently high rates: better than most high street current accounts and many standard savings accounts. Unlike limited-time offers, our rates are designed to stay competitive so you don’t need to chase deals.

  • It’s completely up to you. You can start small: even Β£10 a month adds up over time. Most people on Payroll Savings save around Β£100 a month, but there’s no right amount.

    You’re free to change or pause your savings whenever you like. The most important step is getting started and building the habit.

    Try our savings calculator to see how much you could earn over time.

Let's get saving

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Let's get saving 〰️