Cycle to Work Scheme

How the Cycle to Work Scheme Works

What is a Cycle to Work Scheme?

A Cycle to Work scheme is a UK government initiative that allows employees to purchase bicycles and cycling equipment through their employer, typically with tax and National Insurance savings. The cost is deducted from the employee's salary in monthly installments, usually over 18 months, before tax and National Insurance are calculated. This "salary sacrifice" arrangement results in lower taxable income and thus tax savings. Here's a more detailed breakdown:

How it works

  • Salary Sacrifice:The core of the scheme is a salary sacrifice arrangement. Employees agree to give up a portion of their gross salary (before tax and National Insurance) in exchange for the use of a bicycle and equipment. 
  • Employer's Role:The employer purchases the bicycle and equipment on behalf of the employee. 
  • Payment Structure:The employee repays the cost of the bike through regular, tax-free deductions from their salary. 
  • Tax Benefits:Because the payments are made before tax, employees pay less income tax and National Insurance contributions, leading to significant savings. 
  • Ownership Options:At the end of the agreement, employees often have the option to purchase the bike outright, usually for a small percentage of its original value. 

Benefits:

  • Financial Savings:Employees save money on the cost of a bike and equipment due to the tax and National Insurance advantages. 
  • Health and Fitness:Cycling to work promotes physical activity and can improve overall health and well-being. 
  • Environmental Benefits:Reduces reliance on cars, contributing to a more sustainable environment. 
  • Cost-Effective Commuting:Provides a cost-effective way to get to work, especially with rising fuel costs. 
  • Employer Benefits:Can improve employee morale, reduce absenteeism, and enhance the employer's reputation as a provider of attractive benefits. 

In essence, the Cycle to Work scheme provides a win-win situation for both employees and employers by promoting a healthier, more sustainable, and financially savvy way to commute. 

💰 How Much Can I Save?

Depending on your tax bracket, you could save between 32% and 47% on the cost of your new eBike — making it one of the most affordable ways to buy.

✅ Who Is Eligible?

Most UK employees are eligible. You'll need to check that your employer is signed up to a scheme provider. Self-employed individuals may also qualify.

OUR CYCLE TO WORK PARTNERS

Scheme Providers We Accept

Green Commute Initiative


Telephone 

020 3740 1836

A big welcome from all of us at Green Commute Initiative, or GCI to our friends

Green Commute Initiative is a Social Enterprise with a vision to get commuters out of cars and onto any kind of bike, with the dual purpose of improving both the individual's health and wellbeing, as well as reducing the environmental impact of pollution and congestion from cars.

As a social enterprise, we put all our profits back into improving the scheme and our services, and we're focused on providing maximum savings for employees and employers.

Vivup

Telephone

01252 784540


Want to help empower your people to be fit, focused, and more resilient?

Featuring the largest range of cycles in the UK, our Cycle to Work Scheme provides a healthy alternative to costly rush hour journeys. Through our Cycle to Work salary sacrifice benefit, your staff can save up to 42%* on the latest bikes, high-vis clothing, and safety accessories for their commute

Cyclescheme

Telephone: 

0331 630 5416

Why Choose an E-Bike with Cyclescheme?

By choosing an e-bike through Cyclescheme, you'll gain access to over 2,600 retailers, of which 45% stock e-bikes. Whether you're an experienced rider, first-time cyclist, or you're looking to ditch the traffic jams and crowded public transport, e-bikes make commuting accessible to everyone. With Cyclescheme, you can reduce your upfront costs, spreading the payments directly from your salary without any credit checks or hidden fees..

Cycle Solutions

Telephone

0330 100 2480

Why choose Cycle Solutions?

Huge savings on bikes and accessories

Save up to 49% of the retail cost of bikes and accessories when you buy a bike through your employer, who is signed up to our scheme. For an estimation of just how much you could save, visit our visit our savings calculator.

Expert advice & top customer service

Our dedicated experts are available via phone, live chat or email to make sure you get the most out of your scheme. Plus, our bikes are assembled in-house and fully checked by CyTech qualified technicians, the internationally recognised and accredited scheme for bicycle technicians.

Massive bike choice

We work with over 400 top quality bike brands, including Specialized, Giant and Cannondale. Plus, our team of expert advisers are on-hand to help you find the equipment most suited to your needs.

Comprehensive warranty

It is generally standard practice for a bike warranty to cover parts and labour for 12-months. However, we provide an 18-month warranty on all bikes that we supply through our online store. This gives you even greater peace of mind when you obtain a bike with us.

How to Redeem

Step 1

Choose your Willow eBike and note the price.

Step 2

Apply through your employer's scheme provider and get your voucher or certificate.

Step 3

Contact us with your voucher and we'll process your order. It's that simple!

Have questions? Get in touch with our team — we're happy to help you get started.