Help piece together the pension puzzle
We find and combine old and missing pensions, so people can feel confident about their future.
Many people can’t see the bigger picture of their pensions
For every job, there’s a pension. And for every pension, there’s admin – like changes of address and account log ins. Often, people lose track and don’t know where all their pensions are, how they’re performing, or what their income could be when they retire. That lack of clarity stops people from taking control and ownership of their retirement.
Pensions certainty in two simple steps
We take finding and combining pensions off your colleagues’ hands. They can see everything in one dashboard, giving them confidence and control over their long-term security. We offer both products in one, easy to use solution.
1. Find
Members simply tell us where they worked and when, and we do the rest.
2. Combine
Members have the option to combine their previous or lost pensions into one easy to manage pension.
1. Find
Members simply tell us where they worked and when, and we do the rest.
2. Combine
Members have the option to combine their previous or lost pensions into one easy to manage pension.
Building better financial futures
Wagestream was founded on a social charter to improve workers’ financial wellbeing. That mission was embedded into our Articles of Association, and everything we do supports it – from the financial benefit products we create to our policy decisions. We’re accountable to (and guided by) our Impact Advisory Board, which is made up of experts from think tanks, academia and social impact investors. We conduct impact research and analyse data from our extensive member base. We also partner with industry leaders and academics on joint studies. And we co-create our products and tools with employers and members to make sure they’re accessible and give people the support they need.
Part of Wagestream’s complete financial wellness toolkit
Track
Shifts, pay and spending – all in one place – to help members make better financial choices.
Budget
Helps employees set a plan, stick to it and spend confidently
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Pay
Members can take up to 50% of their earnings before payday rolls around. Which is proven to increase shift uptake.
Rewards
Discounts and cashback to make members’ money go further.
Claim
Helps members to find and claim any government benefits they’re entitled to
Workplace Loans
Help to fund life’s bigger purchases with favourable rates and no hidden fees. Repaid directly from members’ salaries.
Coach
Financial coaching and reward recommendations – all based on members’ activity.
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Workplace Savings
Members can auto-save from their wages and earn 4.33% interest, with no minimum deposit, and no fees.
Find & Combine
Tracks down members’ old pensions to bring them into one pot, giving them choice and control over their investments.
Track
Shifts, pay and spending – all in one place – to help members make better financial choices.
Budget
Helps employees set a plan, stick to it and spend confidently
Pay
Members can take up to 50% of their earnings before payday rolls around. Which is proven to increase shift uptake.
Rewards
Discounts and cashback to make members’ money go further.
Claim
Helps members to find and claim any government benefits they’re entitled to
Workplace Loans
Help to fund life’s bigger purchases with favourable rates and no hidden fees. Repaid directly from members’ salaries.
Coach
Financial coaching and reward recommendations – all based on members’ activity.
Workplace Savings
Members can auto-save from their wages and earn 4.33% interest, with no minimum deposit, and no fees.
Find & Combine
Tracks down members’ old pensions to bring them into one pot, giving them choice and control over their investments.
Wagestream reviews
Everything you need to support your team’s financial wellbeing
Measure success in real time
The Employer Dashboard lets you track the impact of your Wagestream benefits, with anonymised usage data and trends. See what products are being used and how they’re improving your colleagues’ financial health.
Get insights and improve
Break the information down by division to get a real-time picture of employees’ financial needs – so you can enhance and improve your financial wellbeing strategy.
Financial benefits made easy
Secure integration with your systems
Wagestream is an ISO 27001 certified platform that can connect to any payroll, HR or time and attendance system.
No risk or disruption
We work with your teams to handle all of the setup, including validation and compliance. That means you can launch your employees’ financial wellbeing benefits quickly and easily.
24/7 support
Once you’re up and running, we handle all technical support and member questions in the app or portal – responding to 95% of queries within 30 minutes.
Secure integration with your systems
Wagestream is an ISO 27001 certified platform that can connect to any payroll, HR or time and attendance system.
No risk or disruption
We work with your teams to handle all of the setup, including validation and compliance. That means you can launch your employees’ financial wellbeing benefits quickly and easily.
24/7 support
Once you’re up and running, we handle all technical support and member questions in the app or portal – responding to 95% of queries within 30 minutes.
Frequently Asked Questions
Can members see their On-Demand Pay in Track?
How do you keep members’ data safe?
Our library
Why there's a perception gap in employee savings
How the Co-op created award-winning savings for their people
Financial resilience is key to employee engagement & productivity
Ready to connect
Talk to us about the positive impact we can have on your teams and your business.
