đź’ˇ A new era of financial education đź’ˇ Discover the latest release of our Workplace Finance platform
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đź’ˇ A new era of financial education đź’ˇ Discover the latest release of our Workplace Finance platform
Public sector workers deliver essential services that communities across the UK depend on.
The financial pressure on civil servants and public sector workers is real
48%
of public sector workers intending to leave cited a better pay and benefits package as their reason
83%
of workers have taken time off due to financial stress
Central Government employs some of the key workers that keep the country going. From prison & probation officers and migration & border force staff to pensions & benefit assessors and revenue & customs officers. Many of these roles are front line workers and they feel the impact of the rise in the cost of living as their pay hasn’t kept pace with prices.
Financial stress does not stay at home when people come to work. It affects concentration, attendance, and the quality of decisions. For an organisation where public service delivery depends on a focused and engaged workforce, that is not just a welfare concern. It is a performance one. The Civil Service People Survey records persistent pressure on pay satisfaction and wellbeing year on year, yet the tools most departments can offer rarely meet the need.
The reality for many colleagues in the public sector is they feel the pull of the private sector, where comparable roles often pay more - and are left with a sense of wanting to make a positive difference to society and vocation for public service as the main reason to stay. That loyalty deserves to be met with more than a paycheck and a pension.
An Administrative Officer at HMRC, processing hundreds of tax queries a week, on a salary that does not stretch far enough in a high-cost city, using an overdraft every month to cover rent and commuting costs before payday.
A DWP work coach who spends every shift helping people navigate financial difficulty, while quietly managing a debt situation of their own they have never disclosed to anyone at work.
A prison officer working long, high-pressure shifts, on a salary that can be stretched by rising everyday costs, relying on high-cost credit to cover essential expenses between paydays.
A Border Force officer working rotating shifts may be financially stretched after a roster change. Without access to affordable credit, they begin looking for a new job in the private sector.
An Administrative Officer at HMRC, processing hundreds of tax queries a week, on a salary that does not stretch far enough in a high-cost city, using an overdraft every month to cover rent and commuting costs before payday.
A DWP work coach who spends every shift helping people navigate financial difficulty, while quietly managing a debt situation of their own they have never disclosed to anyone at work.
A prison officer working long, high-pressure shifts, on a salary that can be stretched by rising everyday costs, relying on high-cost credit to cover essential expenses between paydays.
A Border Force officer working rotating shifts may be financially stretched after a roster change. Without access to affordable credit, they begin looking for a new job in the private sector.
They describe a significant number of the people who show up every day, in every region, to deliver services the country depends on. A signpost to a helpline is not enough. Colleagues need practical tools they can use before a financial problem becomes a crisis.
When your people feel more informed, secure and confident with money, they stress less, work better, and the whole organisation benefits.
Central government departments face a specific challenge: sustained budget pressure and a persistent pay gap with the private sector that makes retaining experienced colleagues harder every year. Stream cannot close that pay gap directly. What it can do is make a meaningful difference to how your people's pay goes further, how resilient they are when unexpected costs arise, and how supported they feel by their employer day to day.
Here is what that looks like in practice across our client base:
86%
of colleagues feel less stressed about money after joining Stream
16%
average reduction in colleague turnover
27%
faster time to recruit reported by Stream employers
'When months are expensive and you're running low on wages , this allows you to have freedom with your money and to he able cover costs of day to day living.'
Megan | Stream member
Stream is a Workplace Finance platform built to sit alongside the payroll and HR software your department, force or agency already uses, doing what those systems were never built to do. You keep your existing infrastructure in place. Stream connects directly to it, adding a layer of practical financial support for your people without any disruption to how you already operate.
We integrate with the leading payroll and HR platforms used across central government; so implementation is straightforward and your HR team's workload stays manageable.
Stream is built to handle complexity, today and as you grows. Once live, the employer dashboard gives you real-time visibility of usage and engagement across your organisation, helping you measure impact, identify trends, and report confidently against workforce and wellbeing objectives.
Your colleagues get support that goes beyond their monthly pay - tools to manage today's pressures, plan ahead, and build long-term financial security.
With over 1 million NHS workers on the platform, Stream is already one of the most widely used Workplace Finance platforms in the public sector. This means our reach, our track record, and our understanding of the public sector workforce are already at scale. When you bring Stream to your department, force or agency, you are not a first mover. You are joining over a million colleagues who are already using it.
Stream already works with 150 employers across the public sector, supporting a million key workers, including NHS staff, Council workers and Emergency Service personnel and the support teams behind them. Across all sectors, we work with over 2,000 brands and 4 million employees.
Brings shifts, pay and budgeting together, helping members make more confident financial decisions.
Helps employees set a plan, stick to it and spend confidently.
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Members can take up to 50% of their earnings before payday rolls around, proven to increase shift uptake.
Discounts and cashback to make members’ money go further.
Recognise great work with peer shout-outs, milestone awards and company programmes, rewarded with cash employees can actually use.
Helps members to find and claim any government benefits they’re entitled to.
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Members can auto-save from their wages and earn 3.80% interest, with no minimum deposit and no fees.
Help to fund life’s bigger purchases with favourable rates and no hidden fees. Repaid directly from members’ salaries.
Tracks down members’ pensions, and brings them together into a single pot, giving them greater choice and control over their retirement.
Covers the essential financial topics employees need to understand, from everyday money management to long-term financial planning.
Financial coaching and reward recommendations – all based on members’ activity.
Short, practical lessons and tools that help employees build financial knowledge around real-life goals.
Brings shifts, pay and budgeting together, helping members make more confident financial decisions.
Helps employees set a plan, stick to it and spend confidently.
Members can take up to 50% of their earnings before payday rolls around, proven to increase shift uptake.
Discounts and cashback to make members’ money go further.
Recognise great work with peer shout-outs, milestone awards and company programmes, rewarded with cash employees can actually use.
Helps members to find and claim any government benefits they’re entitled to.
Members can auto-save from their wages and earn 3.80% interest, with no minimum deposit and no fees.
Help to fund life’s bigger purchases with favourable rates and no hidden fees. Repaid directly from members’ salaries.
Tracks down members’ pensions, and brings them together into a single pot, giving them greater choice and control over their retirement.
Covers the essential financial topics employees need to understand, from everyday money management to long-term financial planning.
Financial coaching and reward recommendations – all based on members’ activity.
Short, practical lessons and tools that help employees build financial knowledge around real-life goals.
Stream was founded on a Social Charter to improve workers’ financial wellbeing. We are a certified B Corp - meaning our commitment to social impact is independently verified, not self-declared. Â
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.Â
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.
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The Employer Dashboard lets you track the impact of your Stream benefits, with anonymised usage data and trends. See what products are being used and how they’re improving your colleagues’ financial health.
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.
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Stream is an ISO 27001 certified platform that connects to more than 100 payroll, HR and time and attendance systems.
We work with your teams to handle all the set up, including validation and compliance. That means you can launch your employees’ financial wellbeing benefits quickly and easily.
Once you’re up and running, we handle all technical support through the admin portal and member questions in the mobile app or via desktop– responding to 95% of queries within 30 minutes.
Stream is an ISO 27001 certified platform that connects to more than 100 payroll, HR and time and attendance systems.
We work with your teams to handle all the set up, including validation and compliance. That means you can launch your employees’ financial wellbeing benefits quickly and easily.
Once you’re up and running, we handle all technical support through the admin portal and member questions in the mobile app or via desktop– responding to 95% of queries within 30 minutes.
Talk to us about the positive impact we can have on your teams and your business.
Does Stream work with government payroll and HR systems?
What financial benefits can central government departments offer their employees?
How does earned wage access work for monthly-paid staff?
How does Stream help central government departments and the Armed Forces with recruitment and retention?
