Payroll data is some of the most personal information an employer holds. Here's how Payroll Savings keeps it protected - and why it replaces emailing spreadsheets for good.
Most payroll savings schemes still run on spreadsheets emailed back and forth. Every one of those emails is a copy of your people's personal data you can't get back.
| Emailing spreadsheets | Payroll Savings | |
|---|---|---|
| Where the data lives | Copied into inboxes, sent items, laptops and forwards - forever | One place, behind a password-protected account |
| Who can see it | Anyone the email reaches - or is misaddressed to | Only your signed-in users; access can be revoked instantly |
| In transit | Often plain-text attachments | Encrypted in transit (HTTPS/TLS) on every page and download |
| Member privacy | Notes explain why amounts changed | You see the change only - the reason is never shared |
| Mistakes | A wrong recipient is a data breach | Nothing to attach, nothing to misaddress |
| Audit trail | Reconstructed from inboxes | Every request, approval and schedule is recorded with dates |
Every page, form and download is served over HTTPS. Passwords are never stored - only salted bcrypt hashes.
Employers see only their own workforce. Credit Union staff see only their own Credit Union. Any account can be deactivated instantly.
The system shares only what each party needs. When a member changes their deduction, the employer sees the new amount - never the reason. Impact reporting is aggregated and anonymised.
Every application, authorisation, change request and payment schedule is recorded with who did what and when - a full history without a single email attachment. Built to support UK GDPR obligations.
Your money is protected too: payroll savings are held by Credit Unions authorised and regulated by the Prudential Regulation Authority, with deposits protected by the FSCS up to £120,000 per member.
Find your Credit Union and run payroll savings the safe way.
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