Cycle to Work scheme | bike to work benefits

Discover a healthier, more sustainable way for your employees to commute with Cyclescheme – the UK's number one, free to join, Cycle to Work scheme provider.

By joining Cyclescheme, you can help your employees save up to 42% on a new bike, e-bike and cycling accessories. It is a salary sacrifice benefit which means employees spread the cost of their bike and accessories interest-free over 12 months. And because payments are taken before tax and National Insurance deductions, employees and employers save money on these costs too.

Sign up for free today and transform your company’s commute.

What are the benefits of Cyclescheme?

Make employees happier, healthier and more productive

People who engage in active travel like cycling are happier, more productive in the workplace and take fewer sick days compared to their car driving colleagues. In fact, 82% of Cyclescheme participants said that they felt less stressed after cycle commuting*.

*2017 Cyclescheme survey of 1,000 participants.

Other benefits to your business and employees include:

For your business
For the employee

High Impact

Help employees feel better by improving their mental, physical and financial wellbeing.

Low effort

There's minimal approval and payroll admin, and Cyclescheme handles the ownership process for you.

Save money, cost positive benefit

No cost to employers, free to set up. Also, your business saves up to 13.8% on Employer NIC’s through salary sacrifice payments.

CSR & ESG business goals

Joining the scheme as an employer actively supports Environmental, Social and Governance (ESG) and Corporate Social Responsibility (CSR) goals.

Easy promotion

We give you lots of free marketing materials and support to help you engage employees, including Cycle To Work Day involvement tips.

Best in class

We get more adults in the UK cycling into work than any other Cycle to Work scheme provider.

Save money

Save up to 42% on the price of a bike and bike accessories through National Insurance and Income Tax reductions.

Get everything you need

Choose from the biggest selection of cycling brands, offering a wide range of bikes, e-bikes and cycle accessories.

Ultimate choice

Shop in-store or online at over 2,600 bikes shops across the UK - that's more than any other scheme provider!

Spread the cost

Interest-free monthly repayments from their salary.

Exclusive extras

14 days free bike insurance, access to the Cyclescheme Strava Club and many more exclusive Cyclescheme extras.

Save money on electric bikes

Perfect for new or returning riders, Cyclescheme can also be used to obtain new e-bikes and accessories.

You’re one step away from having a happier, healthier and more productive workforce.

Click below and join the 50,000 other employers who are already part of Cyclescheme.

Not just for large organisations, small businesses can and should join too

Cyclescheme is a cost-positive employee benefit for employers

Cyclescheme is the perfect way for businesses of all sizes to boost their employee benefits package.

With savings up to 13.8% in Employer National Insurance Contributions (NIC), Cyclescheme is a cost-positive benefit!

Cyclescheme is also really easy-to-implement and by joining, you get free access to BHN Extras - The employee benefits platform for growing, small businesses.

How Cyclescheme works

It's so easy for your business to join Cyclescheme. In just six simple steps, your staff will be whizzing their way to work on their new bike, with a huge smile on their face.

01 Sign up to Cyclescheme

Before your employees can start their search for their perfect bike, you need to sign up to Cyclescheme.

It's totally free to join and you can even save up to 13.8% in Employer National Insurance Contributions (NIC) and employer tax against spends made through the scheme.

Click below to sign up to Cyclescheme for free today.

02 Finish registration & invite employees

Once you've signed up, our team will take you through the simple setup process and get you ready to roll.

We'll then give you all the marketing tools you need to tell your employees about your amazing new staff benefit and how they can make the most out of it.

03 Employees create an account and request

Now you’re all signed up, employees create their free BHN Extras account and access Cyclescheme – plus, any other benefits you've selected – via single sign-on.

During the setup process, your business chooses a Cyclescheme limit which is the maximum amount an employee can request. Through their BHN Extras account, employees can request the amount they would like to spend on a bike and accessories.

04 Approve and pay

You’ll be notified about the new request so you can review, approve and pay for the request – and apply the salary sacrifice. Employees will repay the cost of their request from their salary interest-free over 12 months and benefit from National Insurance and Income Tax savings.

05 Employees get their cycling gear

Once approved, employees receive their Cyclescheme Certificate and scheme voucher code via email for the approved amount. This scheme voucher can instantly be redeemed at over 2,600 bike shops nationwide.

06 Easy ownership

Cyclescheme handles the end of hire process – so you don't have to. Once an employee has made all salary sacrifice repayments, they need to choose an Ownership option. Employees can keep their bike and cycling kit by making a small one-off payment if they wish.

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Sign up to Cyclescheme & get access to more free employee benefits

When your organisation signs up to Cyclescheme, your staff will also get free access to bYond card (employee cashback card) and Extras Discounts (employee discount scheme) as standard.

Plus, you can pick from a range of leading voluntary benefits to build a flexible employee benefits package that's personalised for your workforce.

Click below and sign up for free today.

Join 50,000+ businesses who already offer Cyclescheme to their workforce

Frequently Asked Questions about Cycle to Work scheme

How much does it cost to join Cyclescheme? +

Cyclescheme is free to join. As an employer, you cover the initial cost for your employee's bikes and bike accessories, but that is fully repaid through a monthly salary sacrifice. We can also support businesses concerned about covering initial bike purchases until salary sacrifice payments come in.

How does Cyclescheme work? +

The Cycle to Work scheme (or bike to work scheme) is really simple. Once your company has signed up to the scheme, your employees can request a scheme voucher up to a pre-approved monetary limit. This voucher can be used in over 2,600 UK retailers to purchase a bike, bike accessories or both.

The initial voucher cost is covered by employers, so the employee will effectively be 'renting' the bike under a hire agreement. Employees repay the voucher cost through 12-monthly payments from their salary (salary sacrifice) over an agreed period.

Once the hire agreement period is complete, the employee needs to choose their Ownership option. We our recommended ‘Own it Later’ option, the employee can extend the rental of their Cyclescheme package for a small one-off fee before taking automatic ownership 3 years later.

See here for more information about the cycle to work scheme.

Can small businesses join the cycle to work scheme? +

Yes, businesses of all sizes can (and should!) join the Cycle to Work scheme.

Cyclescheme is a cost-positive benefit, as businesses can save up to 13.8% in National Insurance Contributions and company tax on spends made through the scheme.

Cyclescheme is really easy to join and a great, cost-positive way for any sized business to boost their employee benefits package!

Is the cycle to work scheme actually worth it? +

Yes! Cyclescheme is one of the most popular salary sacrifice schemes in the UK. It's a fantastic way of owning a bike and making affordable payments over an agreed term. Employees save up to 42% on bikes and accessories through National Insurance and Income Tax reductions. It's also cost-positive for employers, saving up to 13.8% on Employer NIC. Plus, Cyclescheme promotes a healthier, more sustainable lifestyle, improving both physical and mental well-being among employees whilst reducing the business’s carbon footprint.

Do employees own the bike at the end of cycle to work scheme? +

At the end of the initial hire period, employees are given three options.

Own it Later. , this is the most popular option. For a small one-off fee of up to 7% of the package value, employees extend their rental period for an additional 3 years (with no further repayments required). At the end of this time, we automatically transfer the bike to the renter (the employee) for free.
Buy the bike (and any accessories) at its current market value. If employees want to buy the bike immediately, this is 25% of the original RRP.
Return the bike and accessories. Employees can return the bike and accessories to Cyclescheme.

What if an employee leaves whilst still signed up to Cyclescheme? +

If an employee leaves during their Cyclescheme salary sacrifice repayment period, the agreement is still in force. Therefore, if they want to keep the bike, they'll need to pay the remaining balance and choose an Ownership option (and make any payment due).

Who is eligible for the cycle to work scheme? +

Anyone who is over the age of 16, is a Pay As You Earn employee (PAYE) and will earn at least minimum wage after the salary sacrifice has been taken from their monthly pay is eligible.

Can an employer refuse to join the Cycle to Work scheme? +

Employers do not have to offer such a scheme. However, as it is so popular with employees and comes at no cost to the employer, many are happy to be part of the scheme.

How many times can employees use the Cycle to Work scheme to obtain a bike or accessories? +

There is no limit on how many times employees can use the scheme, but you can only make one salary sacrifice payment at a time.

That means, once you have finished making salary sacrifice payments on your initial Cyclescheme package, you can then use the scheme again.

How long does it take to get a bike on the Cycle to Work scheme? +

It usually takes 3-14 days from application to a Certificate being issued under Cyclescheme.

The length of time can vary whilst employers review and approve requests, but many employees can collect their Cycle to Work packages immediately after being approved.

Which Cycle to Work scheme is best? +

Of course, Cyclescheme! We are the UK's leading Cycle to Work scheme provider. With a huge range of retailers to choose from when using your Cyclescheme Certificate, plus lots of added extras like free insurance for 14 days, it's no surprise we've helped over one million people make the most of the scheme already.

What happens if employees don't use their Cycle to Work voucher? +

Employees have 14 days from receipt of their scheme Certificate to cancel their agreement with Cyclescheme.

How long can you take to pay off your Cycle to Work scheme Certificate? +

The cost of the bike and bike accessories is paid in equal instalments through monthly salary sacrifices. Payment periods are flexible and chosen by the employee. These include 12 months, 24 months, 36 months, 48 months and in some cases 72 months.

Do I have to ride to work everyday to qualify for Cyclescheme? +

No, you do not have to commute by bike daily. However, you should use your bike and/or accessories for commuting to, from and between workplaces. At least 50% of the bike equipment should be used for work purposes. You can also use the bike for non-work purposes and there is no requirement to log your journeys.

Do employees have to have a credit check to join the scheme? +

There is no credit check for employees that wish to join the bike to work scheme. Employees simply need to request their voucher and if they’re eligible (i.e. are 16+ years, on PAYE, and earn at least minimum wage after the salary sacrifice has been taken from their monthly pay), employers can approve the request.

How much can I spend on a bike through the Cycle to Work scheme? +

The Cycle to Work scheme doesn’t technically have a limit. This is to enable riders to get the right bike and equipment they need to improve their commute.

It’s important to note, that employers can set a limit for the scheme and are under no obligation to offer more than £1,000.