Financial wellbeing providers' prices compared
Stream, formerly Wagestream, publishes three employer plans at £1.50, £3.00 and £5.00 per enrolled employee a month. Salary Finance charges employees £1.69 for each pay advance and sets its loan rates for each employer; it publishes no employer price. Octopus Money quotes its guidance tier by company size and charges £299 for each employee who takes a plan. Nudge publishes no prices. Buzz charges £1 per employee a month with a £99 monthly minimum.
Figures checked 31 October 2026.
Published prices by provider
| Provider | Employer pays | Employee pays | What it covers |
|---|---|---|---|
| Stream (formerly Wagestream) | Entry £1.50, Standard £3.00, Premium £5.00 per enrolled employee a month | A convenience fee on each pay transfer, amount not stated; Premium includes 3 free transfers a month | Flexible pay, savings pots, financial education and a benefits checker; live financial coaches from Standard |
| Salary Finance | Not published | £1.69 per pay advance, set by employer; loan rates set by employer | Pay advances, loans of £1,000 to £25,000, savings and education |
| Octopus Money | Guidance tier on quote, by company size; planning £299 per employee who opts in | Its third tier is paid by the employee | One-to-one sessions, education, mortgage advice and will writing |
| Nudge | Not published | Not published | Financial education platform |
| Buzz | £1 per employee a month, £99 minimum; Money Road Map £299 per employee who opts in | Coaching from £19 a month, if the employee chooses it | Financial Freedom Score, bank Healthcheck, a call with a coach, webinars and WhatsApp questions |
From each provider's own website on 31 October 2026. VAT, set-up fees and minimum terms are not stated by Stream, Salary Finance or Octopus Money.
Cost for 50 employees
| Provider | A month | A year |
|---|---|---|
| Stream Entry, all 50 enrolled | £75 | £900 |
| Stream Standard, all 50 enrolled | £150 | £1,800 |
| Stream Premium, all 50 enrolled | £250 | £3,000 |
| Buzz guidance for all 50 | £99 | £1,188 |
| Octopus Money guidance | On quote | On quote |
Stream charges for each employee who enrols. Buzz charges for each employee on the payroll, with a £99 monthly minimum, so a firm of 50 pays the minimum.
Pay advances
Salary Finance lets an employee take up to 50% of what they have earned so far, up to three times each pay cycle, for £1.69 an advance, and states that Advance is not a regulated lending product. Stream's help centre states that each transfer carries a small convenience fee and does not give the amount.
The FCA's view of salary advance schemes, the CIPP code and the tax rules for employer loans are in earned wage access and salary advances.
Common questions
What does Wagestream cost an employer?
Wagestream now trades as Stream. Its pricing page lists Entry at £1.50, Standard at £3.00 and Premium at £5.00 per enrolled employee a month.
Does Salary Finance charge employers?
Salary Finance's UK website publishes no employer price. Employees pay £1.69 for each Advance, an amount its Advance page says depends on the employer, and interest on loans at a rate set for each employer.
Does Nudge publish its prices?
No. Nudge's website, now hello-nudge.com, gives no prices and asks employers to contact it.
What does Buzz include for £1 per employee?
The Financial Freedom Score, a read-only bank Healthcheck, a free 30-minute call with a coach, a launch webinar and quarterly webinars, WhatsApp questions to a coach, and quarterly take-up figures with nothing that identifies anyone.
Related guides
Guides for employers
- Financial wellbeing cost per employee in the UK
- Employee financial wellbeing for small businesses
- Financial coaching for employees
- Is employer-paid financial coaching a taxable benefit?
- The £500 pensions advice exemption for employers
- What the 2029 salary sacrifice cap costs employers
- Employee financial wellbeing survey questions
- Automatic enrolment duties for small employers
- Earned wage access and salary advances for employees
- Supporting employees through life changes
- How to set up a financial wellbeing programme
- Financial wellbeing policy template
- Salary sacrifice calculator
- Benefit or pay rise calculator