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What is Salary SacrificeWhat is Salary Exchange

This Mobile Benefit Scheme is provided by your Employer in partnership with EmployeeChoice. The scheme offers you a convenient and cost-effective way to access the latest mobiles phones and/or Airtime Contracts whilst providing significant savings on Income Tax and National Insurance. Some key facts about the scheme are detailed below, alternatively please click the following links for more information

Frequently Asked Questions
Terms & Conditions

When can I place my order?
The online store will be open all year round to enable you to join when you existing mobile arrangements come to an end. 

What happens if I exceed my Airtime Contract allowance?
When signing up to an Airtime Tariff you will be required to sign a Direct Debit Agreement and Mandate to authorise EmployeeChoice to collect any out of tariff spend directly from your bank account. A breakdown of the out of tariff charges by network is provided on the ordering portal. It is important you understand these. On a monthly basis in arrears EmployeeChoice will inform you of the amount be collected at least 5 days prior to the Direct Debit coming out of your bank account.

What happens should I leave?
If you leave your current employment you must pay the balance of the scheme repayments to your employer from your final NET Salary. The Airtime Tariff will continue for the 24 months. In addition you will be able to continue using the mobile phone handset. At the end of the scheme you will be contacted to arrange collection of the handset. It is important to note that you must not cancel your Direct Debit with EmployeeChoice. Under the Direct Debit Agreement with EmployeeChoice you agreed to them continuing to collect any overspend on a monthly basis until at least a month after the end of the scheme.

What if I change my mind?
In line with the Salary Sacrifice Agreement a 14 day cooling off period begins from the moment your Salary Sacrifice Agreement and Direct debit forms (if applicable) are returned, during this time you may cancel your order if necessary.  However once the cooling off period has lapsed you cannot cancel your order.

When will I receive my device?
Mobile Phones and/or SIM Cards are shipped out once a month on the  for orders placed by the . So long as the Salary Sacrifice Agreement and Direct Debit Agreement/Mandate (if applicable) have been returned.

Any questions?
We are here to help - If you need support to order online, need advice on which product best suits your requirements or if you have a question about the way the scheme runs, please get in touch with us.  You can email us via email: info@employeechoice.co.uk or you can call us free on 01992 663999 . We are available from 8.30am to 5pm, Monday to Friday.

 


EXAMPLE

A standard rate taxpayer selects a £960.00 Mobile Phone with EE Airtime Tariff on a 2 year scheme. By reducing the employees gross (pre tax) pay over 2 years, the employee saves paying 32% (20% Income Tax + 12% NI) on the £960.00 equating to a saving of £307.20.

As the Mobile Phone Scheme is a tax exempt benefit there is no benefit in kind charge to declare on behalf of the employee each year.

At the end of the scheme the Airtime Tariff will expire but the employee has the option to Keep or Return the Mobile Handset. By returning the handset the employee retains the £307.20 saving and will be provided a discount on the next scheme equating to the trade in value of the 2 year old handset. This is estimated to be about 15% of the original Handset RRP.

If the employee decides to Keep the Handset the employee must pay a Fair Market Value (FMV) for the handset. This is estimated to be about 15% of the original Handset RRP after 2 years. This amount will be collected via the employees annual P11D or through PAYE. At this point ownership of the handset is also transferred from the employer to employee.