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, & peace of mind.

Trusted by companies worldwide

Get benefits that get your people

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

Endless possibilities with Flexible Spending Allowances

Create with purpose, design 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

Average monthly engagement
Average savings
Reduction in admin
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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
Work From Home
Learning & Development
Team Socials
Core Benefits Upgrades
Meals & Nutrition
Family & Childcare
Tuition & Student Loans

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. Budget-friendly. No hidden fees. No surprises.

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

Life insurance

No one wants to think about what will happen if they die, but it's good to be prepared just in case. Life insurance covers employees' families in the event of their passing.

Critical illness insurance

Show support for your team in times of need, with financial protection.

Financial advice

Want to support your team's financial education to help them feel more in control of their spending? Offer it as a benefit!


Look after your team and support them through any personal difficulties they're facing with an employee assistance programme. 

Charity contributions

Give your team the chance to give back to charity, without having to use their salary.

Fertility Programs

Beginning a fertility journey can seem daunting. Support your employees through this important life decision with leading fertility care. 

Bicycle subscriptions

Sometimes employees don't want to commit to buying a bike. Give them an alternative!

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. 

Flexible benefits allowances

Want to offer anything as a benefit? Flexible benefits allowances let employees choose what works for them using their Ben Mastercard.

EV scheme

A sure fire way to promote your sustainability goals whilst helping your employees with the costs of buying a car. 

Food & Drink budgets

Support your team with the cost of food & drink with subsidised allowances. 

Dental insurance

Support your team with the costs of their dental care, help them skip wait times, and access high quality cover. 

Travel reimbursements / Commuter allowance

Want to encourage your team to come into the office more regularly? This is how!

Coworking space access

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

Learning & development allowance

The most effective way to support your team's professional development!

Cell Phone Allowance

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

Eye tests & glasses allowance

Beauty is in the eye of the beholder! Help your employees see (literally) how awesome your company is by supporting their eye health!

Employee discounts

Times are tough for everyone right now. Give your team a helping hand with employee discounts in a bunch of retailers. This way, employees can save money in various shops and services. 

Gym memberships & subsidies

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

Earned wages access

Help your team navigate the rising cost of living by giving them instant access to their earned wages.

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

Protect your team's income in the event that they become unable to work. 

Key person insurance

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

Pension Contribution

Give your team a helping hand when it comes to saving for retirement 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 budgets

Need a new lamp for your desk? Work from home budget. Desperate for super fast broadband? Work from home budget. Noise cancelling headphones to drown out your noisy neighbour? You get the gist...

Relocation Allowances

Assist your employees when moving for work.

Health and wellbeing allowances

We all have different ways of looking after our health and wellbeing. For some people, it's a weekly yoga class, for others it's a Headspace subscription. Let your team choose what works best for them with a health & wellbeing allowance. 

Parenthood support

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

Tuition Assistance

We all know how much education costs nowadays — for many people they just can't justify the cost. But having highly skilled employees can make the world of difference.

Private medical insurance

Private medical insurance is a type of insurance benefit that covers employee healthcare costs in private medical facilities. This means that employees can access top notch services, skip wait times, and have peace of mind. 

Sickness insurance

Financial support for employees who become to unwell to work.

Travel Insurance

Make travel as stress-free and painless as possible for your team by covering the costs of their travel insurance. 

Mental health / counselling

Mental health support is a super effective way to support employee wellbeing. 

Discounts saving card

Help employees save on everyday expenses. 

Pet insurance

Also known as pet health plans, these paw-licies are a way to manage costs if an employee's pet suddenly gets sick.

Cycle to work

Cycle to work schemes are an awesome way for employees to save money on buying a bike. These salary sacrifice schemes mean that employees can pay for a bike over the course of a year, whilst saving on tax.  

Buy and sell holidays

Give employees the option to take extra holidays, or make extra money. 

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!).