Your Financial Wellbeing

• Grow your savings – set up automatic deposits from your salary and earn interest.
• Get personalised financial guidance – access a 24/7 financial coach for budgeting tips and money advice.
• Save on everyday spending – discounts, cashback, and supermarket vouchers.
• Plan and track your budget – see your earnings, monitor spending, and manage unexpected costs.
• Check benefits you may be entitled to – members using the benefits calculator claim an average of £570/month.

1. Download the Wagestream app from the App Store or Google Play.
2. Register using your email and 8-digit staff number (on your payslip).
3. Complete enrolment and start using the app to boost your financial wellbeing.

We have partnered with HSBC to provide colleagues with free financial wellbeing support.

As part of this offer, you can access:

• Financial Wellbeing Talks – book onto sessions ranging from 30-minute bitesize talks (e.g. budgeting, managing debt, personal protection) to 1-hour core sessions (e.g. pensions, retirement planning, managing and growing your wealth).
• On-site Financial Health Checks – HSBC’s team will be visiting our sites to offer free drop-in appointments. These give you the chance to discuss your financial wellbeing confidentially and get tailored advice.

HSBC also holds daily webinars which you can access which provide you with the knowledge and tools to achieve your financial goals. To find out more, click here.

Please note: HSBC will not promote their banking products or services during these sessions. Where appropriate, they will signpost colleagues to other sources of support.

• Planning for Retirement – Guidance on reviewing your retirement savings, understanding your pension income, and considering future financial needs. 
• Your Pension and the Public Service Pension Remedy – An overview of the McCloud judgement remedy, what it means for staff in public service pensions, and how to prepare for any changes.
• NHS Partial Retirement – Information on the new pension flexibility available, including how to access part or all of your pension while continuing to work. 
• Taking Control of Your Finances – Practical advice on budgeting, saving, and long-term planning to help you feel more confident in managing your money. 
• Effective Tax Planning for Higher Earners – Insight into legitimate tax planning opportunities, avoiding common pitfalls, and managing your income more efficiently.