Flexible Spending Allowances

Diverse teams need diverse benefits. Flexible Spending Allowances lets your team spend their budget on what works for them — giving you time back, more value for money and peace of mind.

Book a Demo

Trusted by companies worldwide

Providing more choice is the better way to do benefits

No two colleagues are the same, so why should their benefits be? Let them benefit the way they want to.

Employee Wellbeing

The ROI of employee wellbeing has never been clearer. Promote self-care and watch productivity and engagement soar.

‍

Your team can spend to support any of your wellbeing objectives:
‍

Physical
Financial

Mental
Social

Flexible Benefits

Take your benefits program to the next level by boosting scheme uptake, making better use of your budget, and giving your employees more choice.

Configure flexible benefit rules so your team can:
‍

Upgrade core benefits
Select voluntary benefits
Spend anywhere they choose

Lifestyle Spending Accounts

Stand out from the crowd. Design lifestyle budgets as unique as your company culture and give your team something to shout about.

‍

The only limit is your creativity on how you want your team to spend:
‍

Meals
Entertainment
Family
Personal Admin
Anywhere!

Learning & Development

Help your people grow. Upskill your team so they can do their best work regardless of their roles.

‍

Personal L&D budgets supports your team's unique development areas tailored to how they learn best:
‍

Books
Conferences
Training Courses
Coaching

Increase engagement with Flexible Spending Allowances

Intelligent benefits, designed for impact

Craft a program as unique as your company with personal benefits spending accounts

Create any type of spending allowance: Wellbeing, Lifestyle, Learning, Meals, and anything in between
Set per-account rules including amount, frequency, expiry, pro-rating, receipts, and spend controls
Define granular eligibility rules that automatically allocates team members to the right program
Shared budget management for team budgets
Manage employee fund requests
Use for reward & recognition

Employees spend their way

Meet people where they are with 3 ways to spend: Ben's Marketplace, Mastercard, or Reimbursements

Give everyone virtual or physical Payment Cards that work with Google/Apple Pay
Inspire your team through your own curated store of providers for direct checkout
Automate reimbursement claims and payments
Claim validation through receipt capture with our highly rated mobile app

Admin simplified, compliance assured

Ben enforces your policies and does the heavy lifting, so you can focus on more strategic things

Block unwanted spend
Manage complex, multi-level approval workflows
Automate reconciliations and tax-reporting on pre-tax or post-tax benefits
Stop chasing employees by using Ben's automated receipt and balance expiry reminders

Realtime reporting for measurable outcomes

Get the most value from your allowance spend with smart insights and reporting

Make smarter spending decisions
Track all allowance usage in one place
Breakdown spending by provider, category, and more
Understand utilisation and spend trends with endless drill downs

Benefits your team loves, results worth celebrating

83%

Average monthly engagement

24%

Average savings

92%

Reduction in admin

Get started

Common types of Spending Allowance

Diverse teams need diverse employee benefits. Flexible benefits allowances let employees choose what works for them using their Ben Mastercard.

Health & Wellbeing

Flexible Benefits

Fitness & Gym

Lifestyle

Work From Home

Learning & Development

Team Socials

Core Benefits Upgrades

Meals & Nutrition

Experiences

Charity

Family & Childcare

Healthcare

Tuition & Student Loans

Commute

Trusted by leading companies

Join teams around the world getting 90%+ engagement with their benefits programmes

Get any benefit, in any country, and make it flexible, all without the painful admin. All-in-one platform. No hidden fees. No surprises.

Book a Demo

Explore Product

Empower your people with self-serve benefits

Why guess what your team wants? We’ll help you create a super flexible benefits package that lets employees choose what matters most to them.

Learn more

Explore Ben Features

Women's Health

Offer dedicated benefits for women's unique healthcare needs.

Workplace Savings & Investments

Help employees grow their wealth with workplace savings plans.

Workplace Loans

Provide low-interest loans to support employees' financial wellbeing.

Will Writing

Help employees plan for the future with professional will-writing services.

Annual Leave

Ensure your employees can rest and recharge with generous annual leave.

Technology Purchase

Assist employees with the cost of work-related tech.

Special Leave

Extra time off for life’s important moments.

Spouse & Partner Critical Illness Cover

Financial protection for employees’ loved ones during tough times.

Spouse & Partner Life Insurance

Give employees peace of mind with coverage for their partners.

Social Allowance

Fund social activities to keep employees engaged and connected.

Shared Parental Leave

Support parents with shared leave options after childbirth or adoption.

Sick Leave

Ensure employees can rest and recover without financial worries.

Severance Pay

Offer financial security during career transitions.

Remote Working

Support work-life balance with remote work flexibility.

Seasonal Vaccinations

Keep your workforce healthy with flu jabs and other vaccines.

Recognition Programme

Celebrate employee achievements with meaningful rewards.

Personal Accident Cover

Financial protection in case of accidental injury.

Paternity Leave

Give new dads time to bond with their little one.

Maternity Leave

Provide expecting parents with the leave and support they deserve.

National Holiday Trading

Allow employees to swap public holidays for flexible time off.

Nutrition Support

Offer expert guidance to help employees maintain a healthy diet.

Language Training

Break down barriers with access to professional language courses.

Long Service Award

Recognise and reward employees for their loyalty and dedication.

Long Service Leave

Extra time off to celebrate long-standing employees.

Flexible Working

Give employees control over when and where they work.

Holiday Allowance

Give employees the freedom to enjoy well-earned time off.

Housing Allowance

Make housing more affordable with employer-backed financial support.

Hospitalisation Leave

Ensure employees can recover stress-free after a hospital stay.

Health Screening

Offer regular health check-ups for early detection and prevention.

Health Cash Plan

A simple way for employees to claim back everyday healthcare costs.

Health Savings Account

Let employees set aside pre-tax earnings for medical expenses.

Grocery Scheme

Help ease the cost of living with grocery discounts and vouchers.

Green Allowance

Support eco-conscious employees with a green lifestyle allowance.

Force Majeure Leave

Ensure employees are covered for unexpected life events.

Carer’s Leave

Give employees the time they need to care for loved ones without added stress.

Family Violence Leave

Offer security and support to employees experiencing domestic violence.

Emergency Carer's Support

Help employees navigate urgent caregiving situations with financial aid.

DNA & Epigenetic Profiling

Offer insights into health and wellbeing with advanced DNA testing.

Debt Refinancing

Help employees regain financial control with debt refinancing options.

Commuter Scheme

Provide employees with tax-efficient options for their daily commute.

Compassionate & Bereavement Leave

Give employees the time they need during difficult moments.

Childcare Support

Ease the cost of childcare with employer-backed financial assistance.

Carer's Support

Offer financial and emotional support for employees with caregiving responsibilities.

Childcare Leave

Help parents balance work and family with dedicated childcare leave.

13th Month Pay

Give your team an extra financial boost with a 13th-month salary payout.

Cancer Screening

Early detection saves lives—offer routine cancer screenings for peace of mind.

Additional Leave

More time off means happier, more productive employees!

Life Insurance

Offer employees peace of mind that their loved ones will be looked after.

Critical Illness Cover

Financial protection when employees face serious health challenges.

Financial Advice & Coaching

Empower employees to make informed financial decisions.

Employee Assistance Programme

Confidential support for any personal or work-related challenges.

Payroll Giving

Make it easy for employees to donate to charities they care about.

Assisted Reproduction

Support employees on their fertility journey with assisted reproduction services.

Bicycle subscriptions

Bikes can be expensive to buy outright and sometimes employees don't want to commit to that. Give them an alternative with bike subscription services!

Workplace nursery

Workplace nursery schemes are a great way for employers to support their employees with childcare costs. They let employees pay for childcare through sacrificing a portion of their salary, whilst saving on tax. Workplace nursery schemes replaced childcare vouchers schemes across the UK as of 2018.

Flex Allowance

Let employees personalise their benefits with a flexible spending pot.

Car Leasing

A cost-effective way for employees to drive a new car with tax-efficient leasing.

Meal Allowance

Help cover meal costs for employees working in or out of the office.

Dental Insurance

Keep employees smiling with comprehensive dental coverage.

Commuter Allowance

Make commuting more affordable by reimbursing travel costs.

Coworking space access

Remote working can get a bit samey sometimes. Give employees the chance to mix up their work environment!

Learning & Development Allowance

Support ongoing growth with education and training funding.

Cell Phone Allowance

Assist your team with the cost of their mobile phone and network costs.

Optical Care

Financial support towards eye tests, glasses, and contact lenses.

Retail Discounts

Help employees save money with exclusive retail deals.

Fitness Memberships

Encourage a healthy lifestyle with subsidised gym memberships.

Earned Wage Access

Let employees access their wages early when they need it most.

Childcare subsidy

Support employees with the cost of childcare. Subsidise part of their costs.

Gym discounts

Want to support your team's health & wellbeing? Help them reach their fitness goals, stay motivated and happy with employee gym memberships.

Income Protection & Disability

Secure employees' income if illness or injury prevents them from working.

Key person insurance

Safeguard your business in the instance that a key employee dies.

Retirement Fund

Secure employees’ futures with generous pension contributions.

Lifestyle subscriptions

Choose from Netflix, Spotify, Audible, Headspace and more!

Adoption Assistance

Support your team through their adoption journey with specialist adoption assistance.

Home insurance

Protect your employees' home and contents against any losses or damages.

Work from Home Allowance

Cover the costs of remote work essentials.

Relocation Allowances

Assist your employees when moving for work.

Wellbeing Allowance

Flexible funds to support employees’ wellbeing choices.

Parenthood support

Becoming a parent can be super challenging. Offer new parents a helping hand with parenthood support benefits.

Student Loan Repayment

Help employees pay off student debt faster.

Private Health Insurance

Ensure employees and their families have top-tier healthcare access.

Sickness insurance

Financial support for employees who become to unwell to work.

Travel Insurance

Protect employees when travelling for work or leisure.

Mental Health Support

Prioritise your team’s wellbeing with dedicated mental health services.

Discounts saving card

Help employees save on everyday expenses.

Pet Insurance

Ease the cost of vet bills with pet insurance for employees.

Cycle Scheme

A tax-efficient way for employees to get a new bike and stay active.

Annual Leave Purchase Scheme

Let employees buy extra leave for the flexibility they need.

Frequently asked questions

What happens with any unused budget?

Any leftover benefits budget can be spent however your team likes, using their individually allocated Ben Mastercards!

How does the marketplace work?

The Marketplace is where employees can view our wide catalogue of benefits all in one place. Here, they can choose from a range of available benefits. Employees can then easily opt-in and out of the benefits they wish to spend their allowance on.

How do you work with brokers?

We work with a variety of third parties to bring the perfect benefits to your team.

Can I bring my own benefits?

Yes! You can bring your own benefits to Ben. We simply integrate the ones you have, and cut the admin for you. Or you can choose from our catalogue of providers in the Marketplace (or both!).