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Salary exchange is an agreement between an employee and their employer, which results in both paying less National Insurance contributions. We can support this option in our new and existing Group Personal Pension (GPP) and Group Stakeholder Pension [GSHP] schemes and tailor it to suit the needs of your clients to make their scheme cost-effective and attractive.
The employee agrees to exchange part of their gross (before tax) salary in return for a non-cash benefit, like a pension contribution.
Because the salary is being exchanged rather than paid directly, both employer and employee pay less in National Insurance contributions.