Budgeting
Our budgeting and tracking tool offers employees total transparency over their incoming earnings and outgoing expenditure (via open banking) for easier budgeting. Visibility of earnings are available in the app in real-time as shifts are worked and logged and upcoming/previously worked shifts are also visible.
- Payday transparency for easier budgeting Real-time earnings as shifts are worked and logged Stream totals showing how much pay has been accessed
Flexible Pay
Flexible pay gives people the ability to choose when to get paid allowing them to access a portion of wages earned at any point of the month, instead of waiting until payday. It’s an alternative to the fixed pay cycle in which employees can only access their pay once a month, regardless of what they’ve earned and it plays a positive role in improving financial wellbeing by enabling people to shape their pay around their lives. Many choose to use the service to budget, pay for bills, cover unexpected costs or take advantage of time-limited sales or discounts. All transfers are instant and processed via faster payments.
1 in 3 UK adults are financially excluded, with no access to useful or affordable financial products
- - 78% of Stream members say they can now pay an unexpected bill
- Transfers instantly – no waiting for payments to clear
- Accrued earnings in real time as shifts are worked
- Access to wages as they’re earned, when needed
- No impact to credit score or access to other financial products – transfers appear like regular salary payments
Save With Interest
Employees can use Savings to set aside money automatically and directly from their earnings into a savings account, with an aim to work towards financial resilience against unexpected expenses. Available in-app and instantly accessible anytime for free.
50% of UK households don't have £300 in savings
- Fully FSCS protected up to £120,000
- - £168m deposited in 2025
Coach
Coach AI: An AI-powered financial coach that provides instant answers to financial questions and personalised recommendations. For example, Coach will nudge a user to save more if their income increases or highlight potential savings at a regular supermarket (identified by open banking) by directing them to the Rewards tool.
Help people take control of their finances
- With Coach, people can get their financial health score and understand how to improve it. Coach sends prompts to reduce spending and save money, based on their earnings and spending. Like discounts for their regular shop and benefits they’re entitled to. And they can build their money skills with our newsletters, webinars and articles. Or ask Coach to build them a curated plan.
- Solutions and resources available in-app, so taking action is frictionless
- Financial wellbeing quiz to benchmark progress and assess areas to improve
- 100% confidential and judgement free –ask any question about money
- Certified financial coaches available in real-time chat
Hub
As a holistic financial wellbeing solution, Stream has a huge amount of additional features and tools for employees to use as part of the Hub. These features are constantly being refreshed in order to provide fairer access to financial services for the frontline worker.
- Payment Reminders - Increased transparency and notifications of upcoming payments
- Rewards - Discounts at major retailers and supermarkets empowering users to do more with their money
- Benefits Checker - One-stop calculator that looks at hundreds of benefits, grants, and social tariffs in partnership with InBest