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Swap money worries for financial wellbeing

Stream gives you the tools to manage your money day-to-day and build a brighter financial future. All in one place.

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Your Complete Toolkit

Financial benefits that put you in control

FINANCIAL RESILIENCE

Improve your financial resilience

We all need a little flex in our finances. To handle unexpected costs. To cope with rising bills. Or to treat our families. Stream’s Budget, Pay and Rewards tools give you that flex. Helping you take control and make the most of your money.

Pay

Transfer up to 50% of your earnings into your account, whenever you need to. No more waiting until payday.

Budget

Set a budget, see all your spending in one place, and make adjustments in real time.

Rewards

Make your pay go further. Get money off at 500+ brands with discounts to use at check out.

Claim

Our calculator looks at benefits, grants and social tariffs, then helps you claim any help you’re entitled to.

Track

See your shifts, your earnings and your pay. With simple statements to sum it all up.

FINANCIAL PLANNING

Plan for the future

First house, clearing debt or simply having a buffer. We all have plans. And to make them happen we often need to budget, save or borrow money. Stream’s savings account, loans and coaching help you reach your milestones faster, and more affordably.

Coach

A virtual coach to answer your money questions, suggest rewards, discounts and ways to save based on your spending, and build personalised financial learning plans for you. On hand 24/7.

Loans

With a representative APR of 13.9% to 19.9%, you can achieve life's milestones and repay directly from your salary, helping you never miss a payment.

Save

Earn competitive interest, with no fees and no minimum deposit. Auto-save from your pay, transfer funds from another account, or round down each shift’s pay to the nearest pound, adding the difference to your pot.

PENSION MANAGEMENT

Build long-term security

No one knows what the future holds. But making the right choices with money can mean you’re protected and comfortable, whatever life throws at you. Stream gives you the tools to plan ahead and build long-term financial security, starting with your pensions.

Find & Combine

Find all of your old pensions, and combine them into one easy to manage retirement plan.

Hear from our members

"Stream helps that sense of being helpless or not having anyone to talk to."
Clint, cleaner, CT Facilities Managementfrom Trustpilot
“I was planning to pay off my debt in 5 years, now I think it’s doable in 3.”
James, Stream Memberfrom Trustpilot
"With Stream, I can easily build my pots to accomplish my goals."
Stream member, NHSfrom Trustpilot
“I’m more in control than with a credit card. I can never take so much [early Pay] that I can’t pay my bills. And I don’t have the guilt of borrowing – it’s money I’ve already earned.”
Stream member, Unlocking the Pay Cyclefrom Trustpilot
“Having Stream takes some of the pressure away. I feel like I'm more present in work and I can be the best version of myself.”
Senior A&E Charge Nurse, Royal Liverpool University Hospitals, NHSfrom Trustpilot
"Stream helps that sense of being helpless or not having anyone to talk to."
Clint, cleaner, CT Facilities Managementfrom Trustpilot
“I was planning to pay off my debt in 5 years, now I think it’s doable in 3.”
James, Stream Memberfrom Trustpilot
"With Stream, I can easily build my pots to accomplish my goals."
Stream member, NHSfrom Trustpilot
“I’m more in control than with a credit card. I can never take so much [early Pay] that I can’t pay my bills. And I don’t have the guilt of borrowing – it’s money I’ve already earned.”
Stream member, Unlocking the Pay Cyclefrom Trustpilot
“Having Stream takes some of the pressure away. I feel like I'm more present in work and I can be the best version of myself.”
Senior A&E Charge Nurse, Royal Liverpool University Hospitals, NHSfrom Trustpilot

Stream is changing lives

3M

essential workers use Stream

86%

of members feel less stressed with Stream

£68M

set aside by Stream members in 2024

SOCIAL CHARTER

We are founded on a social charter

Our social charter is written into our Articles of Association. That means everything we do – from our products to our policies – helps support our mission to measurably improve financial wellbeing for workers.

Stream FAQs

Can I track any early Pay I’ve taken in the Budget tool?

Is the money in my Stream savings account protected?

Why can Stream offer better interest than the high street banks?

What sort of pensions do you deal with?

Can I use the Find and Combine tools separately?

Ready to connect

Talk to us about the positive impact we can have on your teams and your business.

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3M+ workers
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