Supporting your financial wellbeing at N
Financial wellbeing is about more than managing money from one payday to the next. It’s about feeling informed, supported and confident when making financial decisions, whether you’re covering everyday costs, preparing for something unexpected or saving towards a future goal.
Our benefits package has been shaped by feedback from our teams, an understanding of the different life and career stages of our team members and the valuable input of our N Reps. It includes support for team members across a range of contract types, including permanent, part-time, fixed-term and fully flexible contracts.
From tools that help you manage your money to benefits that reduce everyday expenses, here are some of the ways N can support your financial wellbeing.
Meet Stream: more ways to feel in control of your money
You may know it as Wagestream, but the financial wellbeing app has now rebranded as Stream. The new name reflects how the platform has grown beyond flexible access to earned wages, bringing together a broader collection of financial tools in one place.
Through Stream, eligible team members can access practical tools to help them understand their earnings, manage their money and plan ahead.
One of its newest features is Coach, an AI-powered money coach available 24/7. You can ask questions in everyday language and receive personalised guidance based on your goals and spending habits. Whether you want to create a manageable budget, start building a savings buffer or understand the steps towards a longer-term goal, Coach is designed to make financial guidance easier to access.
Depending on the features available through N, Stream can also help you:
- View your earnings and keep track of your pay.
- Access a portion of the wages you have already earned before payday.
- See your spending in one place and create a budget.
- Build savings and develop regular saving habits.
- Find discounts that help reduce everyday costs.
- Check whether you may be eligible for benefits, grants or social tariffs.
- Access financial education and practical money-management resources.
Helping everyday costs go further
Our financial wellbeing offer also includes a range of benefits designed to help team members manage everyday expenses.
- HSF Health Cash Plan: Team can claim cashback towards a range of everyday health expenses, including dental care, optical care and physiotherapy. Introduced at N in 2025, the plan helps make looking after your health more accessible and affordable.
- Team discounts: Access savings across groceries, retail, wellbeing, days out, cinema, travel and more through a dedicated platform.
- Tastecard membership: Team members can enjoy discounts at thousands of participating UK restaurants, including selected two-for-one dining offers or 25% off the total bill.
Supporting your future goals
Financial wellbeing also means having access to support that can help you plan for the future. Team members can also benefit from:
- Cushon: Financial consultations alongside saving and investment options through our pension provider, helping you plan for goals such as buying your first home, taking a dream holiday or preparing for the future.
- Salary exchange: Make pension contributions through salary exchange and benefit from applicable savings while supporting your longer-term financial future.
- Personal Development Fund: Apply for support to explore a personal interest or develop a new skill outside work. More than 650 of our team members have accessed the fund since the start of 2024, using it for interests including gardening, music lessons and yoga.
Whatever financial wellbeing looks like for you, these benefits are here to help you make informed choices, reduce everyday costs and work towards the goals that matter to you.