Features
Budget
With Budget, spending is automatically categorised, helping members understand their habits and make small changes that add up. Colleagues can set personalised budgets based on real-time spending, not guesswork or generic templates. Allowing them to adjust in the moment, not at the end of the month.
Save
Colleagues can open a savings account in a few clicks, then send money directly from their pay or from their linked bank account to save towards life’s milestones. And they can switch on Save the Pennies, which rounds down each shift’s pay to the nearest pound, and adds the difference to their savings.
By showing interest daily, it gives everyone a reason to feel good about earning and saving.
Please note, when you set this up you have the option to transfer money into the account straight away. Stream will automatically set this to £20 but you can change this to not set it up with anything and then move money to it at a later date.
Rewards
Rewards with Stream gives your people exclusive discounts, discounted gift cards, and cashback from 400+ brands — including supermarkets, travel, fashion, and energy.
Cashback from everyday spending flows automatically into a workplace Savings Pot to start earning bank-beating interest. Rewards also links to Budget and suggests savings based on members’ spending habits. Also, there are personalised birthday treats every year with offers from their favourite brands.
Pay
Pay means members can use our app to withdraw up to 50% a month of their earned wages. It’s not a loan, so there’s no interest. They just pay £1.95, making it a more affordable option than credit.
Fluctuating income. Regular bills. Unexpected costs. Life doesn’t fit into neat pay cycles. Fixed pay days often mean people need to borrow money before payday. They then get hit with unfair charges. And lose sleep worrying about money. With Pay, give people a fairer choice.
Find and combine
Find and combine your old pensions into one pot.
Members use the app to tell us some details, including the companies they’ve worked for and when, we then do all the hard work. Members are then provided a clear picture of all of their pensions. Once they have a better picture, they have the option to combine their pension pots from previous roles into a simple Stream personal pension.
Members can see how their streamlined personal pension is performing within the app. They’ll also see any of the unconsolidated pensions we found for them. So they’ve got everything in one place.
Education
Building money confidence, not just knowledge
Education in Stream helps people make better money decisions through short, interactive lessons and personalised coaching built around real life.
Learn covers the topics that actually matter — like buying a home or planning for later — with quizzes and tools built right in, so people can apply what they've learnt straight away. Coach adapts to each person, giving tailored tips based on their goals and habits, and pointing them toward the next right step.
It's education that connects directly to everyday decisions, helping people feel more informed, more confident, and more in control of their money.
Coach
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.
Claim and support
Claim integrates with Inbest, giving your team a smooth journey to finding, claiming and making the most of their benefits. With zero input from you.
Claim looks at hundreds of benefits, grants and social tariffs from central and regional government and local authorities. The tool also signposts users to applications they should consider, resources that might help them, and places they could get even more support.
Download Stream to get started
