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My Money Matters
London, United Kingdom
What it is
My Money Matters combines workplace financial education and coaching with financial products for participating employers and employees. On-Demand Pay lets eligible employees draw up to 50% of earned salary before payday, capped at £850 per month, for £1.95 per transaction. Auto Savings transfers a chosen amount from salary into a high-interest savings account each payday, with access to the savings when needed. Active LGPS members can add to their pension through Shared Cost AVCs using salary sacrifice, saving on tax and National Insurance. The platform also offers financial health checks, learning resources, live webinars, one-to-one coaching and Max, an AI assistant that answers money questions, directs users to resources and suggests next steps. It is designed for public sector employers and is available to employees whose employer partners with My Money Matters, including partner LGPS members and NHS employees. The employer service has no joining or monthly fee. Apps are available for iOS and Android, and employees can also sign in through the web platform.
For and against
For
- Offers one-to-one coaching and live webinars.
- Auto Savings transfers a chosen amount each payday.
- Max answers money questions and suggests next steps.
- Employer service has no joining or monthly fee.
- Available on web, Android and iOS.
Against
- On-Demand Pay costs £1.95 per transaction.
- Only employees of partner employers can access the service.
- The maker does not provide personal financial recommendations.
The verdict
My Money Matters brings education, coaching and workplace financial products together for public sector employers and participating employees. Access to salary advances and pension top-ups depends on eligibility, and the service provides general guidance rather than personal financial recommendations.
Who it suits
It suits public sector employers and their employees, including partner LGPS members and NHS employees. Employees looking for workplace financial education, coaching, savings or eligible salary access may find its services relevant.
Plans and prices
Employer service
No joining or monthly fee for the employer; employee On-Demand Pay costs £1.95 per transaction
Read 30 Sep 2026 · mymoneymatters.com
On the record
- Advice limitation
- The maker says it does not provide financial advice or personal recommendations, and its information is general guidance only.mymoneymatters.com · read 30 Sep 2026
- AI assistant
- Max is available within the platform to answer money questions, point users to resources and suggest next steps.mymoneymatters.com · read 30 Sep 2026
- Automated savings
- Auto Savings moves a chosen amount from salary into a high-interest savings account each payday, and the savings are accessible when needed.mymoneymatters.com · read 30 Sep 2026
- Core offer
- My Money Matters combines workplace financial education and coaching with financial products including Shared Cost AVCs, On-Demand Pay and Auto Savings.mymoneymatters.com · read 30 Sep 2026
- Financial coaching
- The service includes financial health checks, learning resources, live webinars, one-to-one coaching and an AI financial assistant called Max.mymoneymatters.com · read 30 Sep 2026
- Intended audience
- The service is built for public sector employers and is available to employees whose employer has partnered with My Money Matters, including partner LGPS members and NHS employees.mymoneymatters.com · read 30 Sep 2026
- Mobile apps
- The maker provides My Money Matters apps for iOS and Android, and its FAQ directs employees to sign in through the web platform.mymoneymatters.com · read 30 Sep 2026
- Payroll integrations
- The maker lists IRIS Cascade, IRIS Staffology, Shape/Ciphr and SAP as current payroll integrations, with Workday, Oracle and ADP in progress.mymoneymatters.com · read 30 Sep 2026
- Pension contributions
- Shared Cost AVCs let active LGPS members top up their pension through salary sacrifice, saving on tax and National Insurance.mymoneymatters.com · read 30 Sep 2026
- Privacy
- The website privacy notice says AVC Wise Limited is the data controller for personal data processed through the website and that separate notices apply to platform and mobile services.mymoneymatters.com · read 30 Sep 2026
- Salary advances
- On-Demand Pay lets eligible employees access up to 50% of earned salary before payday, capped at £850 per month, for £1.95 per transaction.mymoneymatters.com · read 30 Sep 2026
- Security certifications
- The maker lists ISO 27001, ISO 9001 and Cyber Essentials Plus certifications.mymoneymatters.com · read 30 Sep 2026
- Setup
- The maker says it handles onboarding and integration, and provides employee communications and education materials for launch.mymoneymatters.com · read 30 Sep 2026
- Support
- The maker lists [email protected] for support enquiries.mymoneymatters.com · read 30 Sep 2026
