Introducing the Pluxee Financial Wellbeing Hub – built for every life stage
Financial stress is affecting more UK employees than ever, and the knock-on impact for employers is real: lower focus, higher absence and quieter disengagement. That’s why we’ve launched the Pluxee Financial Wellbeing Hub, powered by Attivo—an accessible platform designed to support people at every life stage. From practical guidance on budgeting and debt to investing and retirement planning, the Hub helps employees build confidence and take action with helpful guidance. In this article, we explore why financial wellbeing matters now, why support must be personal, and how one simple hub can make a measurable difference.
Meet our latest launch: the Pluxee Financial Wellbeing Hub, powered by Attivo, giving employees support across financial wellbeing, investing and planning.
Why financial wellbeing matters more than ever in the UK
Right now, financial wellbeing in the UK is more important than ever, because it has a direct impact on mental health, workplace productivity and day-to-day stability. Even as inflation eases off, households are still dealing with higher baseline costs. With 28% of adults in the UK struggling financially (FCA), it’s no wonder financial stress is becoming a major problem for so many.
Employee financial stress is a serious issue because it’s now widespread and no longer a niche problem that affects a small percentage of the population. A huge 92% of workers faced financial stress in 2025 (Zellis). On top of this, almost half of UK families have zero safety net for emergencies, with less than £1,500 in savings (Gov.UK), which is a cause of stress in itself.
The impact on you as an employer? Financial strain affects the focus, wellbeing and performance of your entire workforce. As we explore in our Debt Awareness Week blog post, financial stress does not stay at home when it comes to its effects – even though many are suffering in silence.
Financial pressure doesn’t look the same for everyone
When it comes to financial benefits, it’s time to move away from a one-size-fits-all approach, which assumes everyone is struggling with the same set of problems and will need the same solutions as a result – and this isn’t the case. Financial pressure is diverse – so the benefits should be, too, which is why more organisations are prioritising cost-of-living financial support that employees can actually use.
Different life stages, different financial challenges
At every life stage, your employees will face different financial challenges. With rising rent costs and credit card debt in the early days of their career, large mortgage and childcare costs for working parents, and pension and retirement worries later on, it’s easy to see why traditional financial benefits don’t always work for everyone.
The early days
Your younger employees, in the early days of their careers, are the ones facing the sharpest increases in housing costs. They’re likely to be juggling rent costs – or not long into their first mortgage – alongside debt and rising bills.
Younger adults are significantly more likely to use credit, overdrafts or borrowing to cover day‑to‑day living costs, particularly during periods of cost‑of‑living pressure (FCA). For context, 31% of 18–34‑year‑olds regularly use overdrafts or end up borrowing at the end of the month to get by (Royal London).
Working parents
Younger households and working families are disproportionately affected. Despite the various government schemes, childcare is often the largest monthly expense, sometimes exceeding housing costs. This harsh reality is especially true for your workers with multiple children.
Add this to mortgage costs and family protection plans – life insurance, income protection and critical illness – and you can see why 16% of parents with children under 18 used a credit card to pay for essential household bills last year (Updraft). Regular reliance on borrowing is more common where savings are low, and 33% of parents have no savings to fall back on.
Mid-career
From balancing savings, pensions and everyday costs to retirement readiness, confidence and drawdown decisions in later life, your mid-career workers bring a completely different set of issues.
In some cases, their children may have flown the nest, but with many people having children later in life, a large majority will still have dependents. Even those whose children have reached adulthood are likely to be helping them out financially. They may even be providing childcare if grandchildren have arrived on the scene.
Whilst older adults remain more financially secure overall, confidence is declining amid ongoing costs (University of Bristol).
It's clear why a one-size-fits-all approach doesn’t work, so let’s take a look at the role that you can take to support your entire workforce's financial wellbeing impactfully.
Why employers have a critical role to play in financial wellbeing
Financial wellbeing is no longer a “nice to have” – it’s part of your duty of care as an employer.
The workplace is a trusted access point
Over half of employees in the UK have experienced financial difficulty at some point in their working lives (Money & Pensions Service), which is why we believe it’s time to normalise money conversations through structured, credible support. Nowadays, employees expect their employers to support them with more than salary alone, and there are many reasons why financial wellbeing tools should play a part in this.
It’s important to highlight the strong link between money worries, stress and productivity. Financial stress has a tendency to undermine productivity by depleting an employee’s cognitive energy, leading to presenteeism. Your employee might be physically present, but mentally? Completely distracted by money worries.
If you want to see an increase in productivity and retention – and a reduction in absenteeism and presenteeism – then you should consider investing in a holistic suite of financial wellbeing tools as part of your benefits package that meet your workforce where they are at every stage of life.
Why? Employees under financial stress are distracted, more likely to take time off for stress-related illness, and far more likely to stick around if they feel their financial wellness is supported.
Then there’s the return on investment for your business. Financial stress costs UK employers billions annually through absenteeism and reduced productivity (Cebr). By providing tools like budgeting apps and financial education, you’re far more likely to have a mentally resilient workforce, with better concentration and decision-making skills. The result? A positive workplace culture that makes retaining employees far easier.
Introducing the Pluxee Financial Wellbeing Hub, powered by Attivo
One hub. Multiple needs. Practical support.
The Pluxee Financial Wellbeing Hub is a financial wellbeing platform that UK employers can offer to support different needs, from financial planning to savings to investing and retirement readiness, alongside financial education content.
Our Financial Wellbeing Hub empowers your employees to learn and take action regarding their finances. Covering everyday money, future planning and complex decisions, it’s accessible, inclusive and – most importantly – relevant across all income levels.
The Pluxee Financial Wellbeing Hub works in three simple ways:
- Discover: information on the topics that matter most, like budgeting, mortgages and pensions.
- Learn: quizzes and calculators for self-education on a multitude of financial topics.
- Act: 1:1 consultations with a regulated, unbiased Financial Planner from Attivo for financial support.
From starting out to retirement planning guidance, it's an inclusive and accessible pathway to financial confidence and a more resilient future. Explore our Pluxee Financial Wellbeing Hub, powered by Attivo, here.
Important information
This webpage is a financial services promotion. The content on this page is approved by Attivo Financial Limited, which is authorised and regulated by the Financial Conduct Authority.
Pluxee UK is not authorised or regulated by the Financial Conduct Authority and does not provide financial advice. The Pluxee Financial Wellbeing Hub provides access to financial education, information and tools.
Any regulated financial advice referred to on this page is provided solely by Attivo Financial Limited and is only available where an individual chooses to engage with Attivo directly. Advice is given following an assessment of individual circumstances and is subject to eligibility and suitability.
Information on this page is for general guidance purposes only and should not be considered a personal recommendation. The value of investments can go down as well as up, and outcomes will depend on individual circumstances.
Financial solutions for every stage of life and circumstance
Financial wellbeing support isn’t just for low earners – far from it - just like investment and money management decisions aren't limited to those with a large sum to spare.
Supporting each of the financial wellbeing life stages means recognising that the right help varies, from budgeting guidance early on, to savings, investing and retirement planning later in life.
Platforms like the Pluxee Financial Wellbeing Hub support from both ends of the scale. This financial wellbeing platform offers options to support your people, no matter where they sit on the spectrum of financial security.
For employees short‑term pressure
When someone is under financial pressure – managing short-term pressures or struggling with debt – it can be hard to know where to start, and who to turn to for advice.
If you employ low-paid workers, this is likely to be a problem for a proportion of your workforce. We know that households on low incomes are disproportionately likely to have little or no savings, which leaves them vulnerable to debt when the unexpected happens (Joseph Rowntree Foundation).
The Pluxee Financial Wellbeing Hub can help these employees with budgeting support and confidence-building through consultations, helping them understand their options – with zero judgement.
For those building financial security and a nest egg
You’re likely to have employees who aren’t necessarily struggling with debt, but could do with some help building up a nest egg for financial security. The concept of regularly saving money doesn’t come naturally to everyone, and many people need a bit of help knowing what to do with their disposable income to maximise it in the best possible way.
Developing savings habits can take time, and within the Pluxee Financial Wellbeing Hub, your employees can find advice and guidance on their savings goals and life-event planning, helping them build financial resilience along the way.
For employees with money to invest or plan long‑term
Your higher earners are the most likely to have surplus income to invest, whether that’s through stocks and shares or pension investments for later life. We’re not all born with the knowledge it takes to invest with confidence, but your workforce can reach certified experts from within the Pluxee Financial Wellbeing Hub.
Making informed decisions is easier with the right support, especially when it comes from a chartered, independent organisation with whole-market access. From informative content to absorb at their own pace, or one-on-one consultations with a friendly expert, it's all a click away.
Wherever your employees sit on the financial scale, the right support and unbiased advice can build their financial resilience in many ways.
Why we partnered with Attivo
Expertise, trust and real-world impact
Attivo is an independent, regulated Chartered financial planning firm with many years of expertise in lifestyle financial planning. This UK-based service offers unbiased, jargon-free financial advice. From pensions, tax and investments, to estate planning and financial protection, it’s the type of support that takes people on a journey from uncertainty to action.
Partnering with a financial planning provider means you not only get expert guidance to protect and grow your assets, but also help in navigating complex financial decisions and help to secure your long-term future
At Pluxee UK, we're committed to turning access into value, meeting employees where they are, and ensuring they have the right support at the right time, which is why we partnered with Attivo to create the Pluxee Financial Wellbeing Hub.
What success looks like for employers and employees
For employees
If your employees are financially secure with good financial wellbeing, there will be signs. From a confidence boost to better decision-making, reducing money-related stress gives your workforce the headspace to focus on what matters most – both at work and at home.
With financial stability comes more choices and options, a chance to live their lives the way they want to, bringing peace, making memories and getting the most from every moment.
For employers
Reducing employee financial stress is one of the clearest ways prioritising employee financial wellbeing benefits employers. When you consider that 31% of workers say money worries negatively affect their work performance (The Chartered Institute of Personnel and Development), investing in the financial wellbeing of your employees makes business sense. It doesn’t just lead to a more resilient workforce, but you’re likely to see stronger engagement and lower distraction and absenteeism as a result.
Building a financially healthier workforce starts here
If you’re a business in the UK and you’re interested in improving your employees’ financial wellbeing, explore the Pluxee Financial Wellbeing Hub.
Financial wellbeing is a journey, not a single moment in time, and the support needed fluctuates from person to person and throughout each milestone moment and key life stage.
A workplace financial wellbeing UK solution in a single platform is intuitive to use and easy to understand, with features that benefit everyone – from those struggling with debt to those considering their investment portfolio – as well as your business. The Pluxee Financial Wellbeing Hub offers a way for you to show up for your people in meaningful, measurable ways, for results that last.
Financial promotion
This content is approved by Attivo Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Pluxee UK is not authorised or regulated by the Financial Conduct Authority and does not provide financial advice.
