Provider comparison
Wagestream vs Mintago
Side-by-side comparison from the PerkIQ directory. Cover, pricing, regulator status, and fit at a glance.
Category
Financial Wellbeing
Financial Wellbeing
Best for
50-50,000+ employees
20-2,000 employees
Pricing model
Free for employer; small per-transaction fee
Free for employer
UK presence
Since 2018
Since 2020
Regulator
FCA-authorised
FCA-authorised
Strapline
Wagestream is the UK's leading financial wellbeing platform, offering earned wage access, salary tracking, savings, and financial education. Used by 800+ UK employers including ASDA, NHS, and Bupa.
Mintago is a UK financial wellbeing platform combining pension consolidation, salary tracking, and financial coaching. Free for employers, low-cost for employees.
What's included
- Earned wage access. Employees can draw down wages they have already earned ahead of payday, without changing your payroll cycle.
- Salary tracker and budgeting. Real-time view of earned-to-date pay, plus simple budgeting tools and spend categorisation.
- In-app savings. FSCS-protected savings pots funded by automatic gross-pay deductions, helping employees build emergency funds.
- Financial coaching and education. Free 1-to-1 coaching calls plus a content library covering debt, savings, pensions, and budgeting.
- Pension finder & consolidation. Employees locate old workplace pensions and, where suitable, consolidate them into a single pot.
- 1-to-1 financial coaching. Unlimited calls with qualified financial coaches, included for employees at no cost.
- Salary calculator. Take-home pay, salary sacrifice modelling, and pension impact projection inside the app.
- Financial education library. Bite-sized articles, videos, and interactive content covering budgeting, debt, savings, and pensions.
Who it's for
- Hourly, shift or lower-paid workforces: flexible access to already-earned pay is most valuable here.
- Employers tackling financial stress: can reduce payday-driven pressure and related absence.
- Businesses wanting more than pay access: savings, tracking and financial coaching sit alongside earned wage access.
- Salaried, higher-paid workforces: less need for access to pay before payday.
- Employers wanting lending products: the core model is access to earned pay, not borrowing.
Not stated
At a glance
- FCA authorised
- 800+ UK employers (ASDA, NHS, Bupa)
- 3m+ workers covered
- JRF-backed
- Founded 2018, London
- Free for employers
- FCA authorised
- Founded 2020, London
- Pension consolidation
- Financial coaching
- Free for employers
- Modern app experience
Pick the right one with data, not a sales pitch
Score your benefits stack with PerkIQ and you'll see which of these (or another provider entirely) closes the biggest gaps for your team.
Information on this page is editorial, gathered from public sources and the providers' own materials, and does not constitute financial advice or a recommendation. For a quote, contact each provider directly or speak to an FCA-authorised broker. PerkIQ is not a reseller and earns no commission on provider sign-ups.
