Some of your pay, before payday

Level FT is the company [Employer name] works with to offer On-Demand Pay. Its app, also called Level FT, lets you withdraw some of the pay you’ve already earned before payday.

Depending on what [Employer name] offers, you may also see Payroll Savings in the app, which lets you set money aside straight from your pay. Find out more at levelft.com/what-is-level.

No. It’s your own pay, for hours you’ve already worked. There’s no interest. What you withdraw, plus the fee for each withdrawal, is deducted from your next payslip, so there’s nothing separate to sort out afterwards.

Available to everyone who works for [Employer name].

No. If you never use it, nothing changes with your pay or your job.

You don’t need to sign up. Level FT sets up an account for you and sends your login details by text or email. If you’d like to use On-Demand Pay:

1. Download the free Level FT app from the App Store or Google Play.
2. Tap Log in and enter the details Level FT sent you.
3. Register for On-Demand Pay and agree that [Employer name] can share your pay details with Level FT.
4. [Employer name] checks your registration.

Once that’s done, the app shows how much you can withdraw.

Yes, Level FT is the company [Employer name] works with. If you’re ever unsure about a message, don’t tap the link. Search for Level FT in your app store instead, or ask your manager or HR team.

Yes. Registering is free, and you never have to withdraw anything. Because [Employer name] checks each registration, setting up early means it’s ready if something comes up.

Level FT has your name and contact details so it can send your login details. If you register for On-Demand Pay, you agree that [Employer name] can share your pay information with Level FT, such as your hours, rate of pay and bank details. Level FT uses this to work out how much you can access.

You can ignore the details Level FT sends and choose not to register. Nothing changes with your job or your pay.

The Level FT app is free to download. Each withdrawal has a fixed fee of £1.95, whatever the amount. There’s no interest and there are no other charges.

Nothing. The app is free to download, and [Employer name] covers the fee for each withdrawal. There’s no interest and there are no other charges.

Up to 50% of the pay you’ve earned since your last payday, up to £850 before each payday. Your available amount goes up as you work, and the app always shows it.

Usually within a few minutes, straight into your bank account. You don’t need anyone’s permission for each withdrawal.

You get your usual pay, minus what you’ve withdrawn and a £1.95 fee for each withdrawal. Your pay itself doesn’t change: you’ve just received some of it earlier.

Payslips are often produced a few days before payday, and you may still be able to withdraw after that. Every withdrawal is listed in the Level FT app: tap the three lines at the bottom right, then Withdrawal history.

It might. If you register for On-Demand Pay, early pay features from banks such as Monzo may stop working, so your pay arrives on payday rather than the day before.

Unexpected costs that come up before payday, like a car repair or a bill that can’t wait. Everything you withdraw is deducted from your next payslip, so your next payday will be smaller.

Yes. The fee is the same whatever the amount, so several small withdrawals cost more in fees than one. There are examples above.

Using On-Demand Pay often means each payday is smaller, which can make the next month harder. If it would help to talk to someone independent, MoneyHelper and Citizens Advice offer free, confidential help (details below). You can also talk to your manager or HR team if money worries are affecting you at work.

No. Your manager isn’t told whether you’ve registered or withdrawn any pay. Only Level FT and the payroll team see individual withdrawals, because payroll needs them to work out your pay.

Visit levelft.com/help.