Financial Wellbeing for Staff

Help Your Employees Achieve Financial Wellbeing Effortlessly

Supporting your workforce has never been easier. Our payroll deduction service allows your employees to save and repay loans directly from their salary—completely stress-free and at no cost to you.

A staff benefit focused on financial wellbeing

Serve and Protect are working with employers across the police, prison, military, fire and health services to make it easier for employees to save regularly and borrow responsibly by enabling payroll deduction.

Our mission is to improve financial resilience. Our members play important roles in serving and protecting us all, so we want to help them look after their finances, so they one less thing to worry about.

Why payroll deduction is good for financial wellbeing

Almost half of Brits have £1,000 or less in savings, and 16% have no savings at all (Source: Finder, 2025).

At Serve and Protect, we are working with employers across the police, prison, military, fire and health services to make it easier for employees to save regularly and borrow responsibly by enabling payroll deduction.

Removes Friction

People want to save, but the hardest thing about saving is getting started. Enabling payroll deduction can make it easy for your employees to build a healthy savings habit.

Build Savings Habits

We encourage all our members to save. Even our members who want to borrow are required to save as well.

Pay Yourself First

Have you heard of ‘pay-yourself-first’ budgeting? It is a budgeting method where you set aside money to save on your payday before spending on anything else.

Fewer Loan Declines

Automatic repayments result in less defaults and fewer loan declines. In fact, the chances of a payroll deducted loan not being repaid is just 2% compared to 15% for other methods (Source: Inclusion Centre, 2023).