1st help 7. Other

7. Other

How do I allow microphone access?

To allow us to access your microphone:

1. Chrome microphone

First, tap the padlock.
Then turn on: "Microphone"
And finally, tap: Reload

2. Microsoft Edge microphone

First, tap the padlock.
Then for: "Microphone", tap: Block > Allow
And finally, tap: Refresh

3. Safari microphone

First, tap: Safari > Settings
Then go to: Websites > Microphone
On "1st.money", tap: Deny > Allow
And finally, reload: "1st.money"

4. iPhone microphone

First, open: "Settings"
Scroll down and tap: Privacy & Security
Then go to: Speech Recognition
Turn on: "1st Money"
Then go back to: Privacy & Security > Mirophone
And finally, turn on: "1st Money"

5. Android microphone

First, open: "Settings"
Scroll down and tap: Apps
Then tap: 1st Money
Then tap: Permissions
And finally, tap: Microphone > Allow only while using the app

Updated: Sat, 9 Nov 2024.

Learn more about cookies, including disabling, enabling, and deleting them, at: aboutcookies.org

You might decide to block most cookies with the setting in your browser that lets you to block all or some cookies. However, if you block all cookies, most of our services may not work. Unless you've already blocked browser cookies, our system sends you cookies as soon you visit our website.

To opt-out of receiving cookies from a range of ad servers (including, among others, Doubleclick, Videology, AudienceScience, Flashtalking and Microsoft), follow the instructions at: youronlinechoices.com

Additional info about the controls offered by popular browsers can be found with the following links:

Updated: Sat, 9 Nov 2024.

How do I set up 1st Money from start to finish?

From signup to payday in 4 mins 4:00

Let's see just how easy "1st Money setup" really is.

To start, upload your logo, so all your employees see your own company's logo while using 1st Money.
And now your logo's set, and you're on your way, with your first green tick.

Next, to connect to HMRC:

Type in your Government Gateway login.
And also type in your company numbers, and you're instantly all connected up to HMRC, with your second green tick.

Now, to set up yourself:

Start by setting your pay rate and job title.
As well as your join date.
And also your contact details, like your phone number.
Now you're onto the tax settings.
And then the National Insurance settings, like your gender, "Date of birth", and home address.
And then your NI num..
Now we'll continue your onboarding through the "Pay" steps.
And finally, your onboarding's all 100% complete, and you've got your next green tick.

Next up is the "Import people" step.

It's completely optional, but it's useful if you're adding lots of employees.

To add lots of employees, even hundreds, or thousands:

First, download the "CSV template" file, and enter each employee on their own row.
Next, upload the file.
And as quick as that, all your new employees are ready to add, all you've got to do is tap: Import ticked
Now that your newly added employees are imported, just tap this blue button.
And they'll each get their very own 1st Money login invite, and you're almost done now.

Next is payday prep.

First, we'll choose your company's "Employment Allowance" eligibility.
Then we'll set your company's "Pension provider" and provider details.

The payday prep scans your setup and reminds you of any remaining settings that're required.

And as easy as that, your payday prep's 100% completed, and with all four green ticks, your payday setup is now complete!

Now that you're 100% set up, let's pay a payday:

By first going to the payroll group's: "Process payroll"
Then tap: Process payroll
And just for a few seconds, HMRC checks that we got all your payday calculations correct.
Next, download the payment file for whichever bank you're using.
And then upload the payment file, to your bank, by first choosing the file.
And then once it's uploaded.
You'll see a preview of all your Payroll Payments.
Then to finish paying this payday, tap Continue, or whatever your own bank has for their final payment button.
And now, once you tap Mark as paid, payslip emails are automatically sent out to all your employees.
And here's how it looks when your employees get their payslip email, along with the attached PDF.
By default, payslip emails like this are automatically sent out to every employee, every payday.
But there's also the option to print payslips instead, if you prefer.

And that's it! We've gone from an empty org, to a fully configured setup, and payslips paid, in just 4 minutes!

And of course, if you'd ever like help with any of this, go ahead and tap this live demo button at anytime.

Then within a couple of seconds, you'll get this calendar date chooser. And with just a few taps you can book your very own one-on-one video call with us.

And then we can, together, go through all of your questions, and show you first-hand, the true magic of 1st Money!

Updated: Sat, 9 Nov 2024.

Import people CSV columns

CSV template

	Name	Values	Notes
A	Email address (required)	E.g.: `john@yourco.co.uk`	This is your main login email. Use it, in combination with your password, every time you log in.
B	Title	`Mrs` `Miss` `Ms` `Dame` `Lady` `Mr` `Master` `Sir` `Lord` `Father` `Mx` `Dr` `KC` `Professor` `Reverend` `Commander` `Brigadier` `Sergeant` `Major`	How'd you like to be formally addressed? This setting is used in some docs and tax forms.
C	First name (required)	E.g.: `John`	First, middle, and last names as they'd show on tax and legal documents.
D	Middle name	E.g.: `Smith`
E	Last name (required)	E.g.: `Doe`
F	Job title	E.g.: `Account Manager`
G	Date joined	YYYY-MM-DD DD/MM/YYYY E.g.: `2024-12-14`	To have payslips paid, a "Date joined" is required. The "Date joined" is usually the same as their first working day.
H	Date employment ended	YYYY-MM-DD DD/MM/YYYY E.g.: `2024-12-14`	When did this person end employment? Leave empty if employment is on-going.
I	Date of birth	YYYY-MM-DD DD/MM/YYYY E.g.: `1989-08-30`	An accurate date of birth is an essential piece of info for both payroll and government submissions.
J	Legal gender	`f` = Female `m` = Male	Setting your legal gender is sometimes required to verify your tax identity with the government.
K	Mobile	E.g.: `07712 345678`	For security reasons, this mobile phone number may require verification.
L	Personal email	E.g.: `john@yourco.co.uk`	What's your personal email? This may be used after you've ended employment to send you additional tax documents and other post employment info.
M	Home phone	E.g.: `07712 345678`	What's your home phone number? This number may be used to reach you in an emergency.
N	Street number
O	Street name
P	Address line 2	E.g.: `Apt 4B`
Q	Town / city	E.g.: `London`
R	Postcode	E.g.: `EC1Y 8SY`
S	Payroll group	E.g.: `Main payroll group`	The payroll group groups pay settings, holidays, currency, and more. It also sets tax calculations and defaults.
T	Employment type	`notPaid` = Not paid `employee` = Employee `zeroHourWorker_gb` = Zero-hour worker `offPayrollWorker_gb` = Off-payroll worker `independentContractor` = Independent contractor `cisSubcontractor_gb` = CIS subcontractor `directorOnly_gb` = Non-executive director	Select if a person's a contractor or an employee, and whether they get holiday pay, pensions, and more.
U	Pay period	`m` = Monthly `w` = Weekly `b` = Fortnightly `s` = Semi-monthly `f` = Four-weekly	How long each pay period lasts. Select the pay period that suits you best.
V	Rate amount	E.g.: `35000`	Set how much this person's paid. Also, be sure to set the time frame.
W	Rate type	`y` = Per year `m` = Per month `r` = Per hour ... fixed targets
X	Minimum wage	`n` = Not paid minimum wage `y` = Tracking minimum wage `a` = Tracking apprentice min. wage	Once turned on, this person's rate amount is set to the minimum wage. It's then auto-updated when a new minimum wage is set, or the employee's age changes.
Y	Target working hours ... Monday	E.g.: `8`	Select the person's usual weekly working hours. Used by paid time off, repeat payables, and the estimation on the pay summary tab.
Z	Target working hours ... Tuesday	E.g.: `8`	Select the person's usual weekly working hours. Used by paid time off, repeat payables, and the estimation on the pay summary tab.
AA	Target working hours ... Wednesday	E.g.: `8`	Select the person's usual weekly working hours. Used by paid time off, repeat payables, and the estimation on the pay summary tab.
AB	Target working hours ... Thursday	E.g.: `8`	Select the person's usual weekly working hours. Used by paid time off, repeat payables, and the estimation on the pay summary tab.
AC	Target working hours ... Friday	E.g.: `8`	Select the person's usual weekly working hours. Used by paid time off, repeat payables, and the estimation on the pay summary tab.
AD	Target working hours ... Saturday	E.g.: `0`	Select the person's usual weekly working hours. Used by paid time off, repeat payables, and the estimation on the pay summary tab.
AE	Target working hours ... Sunday	E.g.: `0`	Select the person's usual weekly working hours. Used by paid time off, repeat payables, and the estimation on the pay summary tab.
AF	PTO top up (per month)	E.g.: `18.67`	How many hours is the person's "PTO balance available" to be topped up by?
AG	PTO year's starting allowance hours	E.g.: `0`	Don't set this for new employees. We'll automatically handle "Unused PTO" each year (on Jan 1st). Watch the video to learn more about negative hours.
AH	Bank	E.g.: `Barclays`
AI	Bank account number	E.g.: `12345678`	The unique 8-digit number for your bank account.
AJ	Sort code	E.g.: `123456`	The sort code, or routing transit number (RTN), is a unique identifier for the bank.
AK	Name on bank account	E.g.: `JOHN SMITH`	The bank account owner's name, spelt exactly as it's spelt on the bank's records.
AL	Student loan, plan 1 repayment	`1` = Yes `0` = No
AM	Student loan, plan 2 repayment	`1` = Yes `0` = No
AN	Student loan, plan 4 repayment - Scottish	`1` = Yes `0` = No
AO	Student loan, plan 5 repayment	`1` = Yes `0` = No
AP	Postgraduate loan, repayment	`1` = Yes `0` = No
AQ	Passport number	E.g.: `123456789`
AR	Date directorship started	YYYY-MM-DD DD/MM/YYYY E.g.: `2024-12-14`	Taxes are worked out cumulatively if this person's a director at any time in the tax year. Read more on GOV.UK
AS	RTI Payroll ID		If this person's being transferred from previous payroll software, get their previous "RTI Payroll ID" from that software. Once you've got it, enter it here, otherwise leave the suggested ID as is.
AT	Leaving date ... in previous employment (P45)	YYYY-MM-DD DD/MM/YYYY E.g.: `2024-12-14`	Find it on this person's P45. Look for: "Leaving date". An estimate is ok
AU	Total pay to date ... in previous employment (P45)	E.g.: `1234.56`	Only include income paid since the start of the current tax year. Find it on this person's P45. Look for: "Total pay to date"
AV	Total tax to date ... in previous employment (P45)	E.g.: `123.45`	Only include Income Tax paid since the start of the current tax year. Find it on this person's P45. Look for: "Total tax to date"
AW	Tax code	E.g.: `1257L`
AX	National Insurance number	E.g.: `AB 12 34 56 C`	National Insurance numbers can be found on past payslips, tax forms, or letters from HMRC.
AY	National Insurance ... category letter	`A` = Everyone else `B` = Reduced NI `C` = Over state pension age `J` = Deferring NI `H` = Apprentice `M` = Under 21 `V` = Veteran's first job `Z` = Under 21 and deferring `X` = National Insurance exempt `F` = Freeport ... Everyone else `I` = Freeport ... Reduced NI `L` = Freeport ... Deferring NI `S` = Freeport ... Over state pension age `N` = Investment Zone ... Everyone else `E` = Investment Zone ... Reduced NI `D` = Investment Zone ... Deferring NI `K` = Investment Zone ... Over state pension age `R` = Mariner ... Everyone else `T` = Mariner ... Reduced NI `W` = Mariner ... Over state pension age `Q` = Mariner ... Deferring NI `G` = Mariner ... Apprentice `Y` = Mariner ... Under 21 `P` = Mariner ... Under 21 and deferring	This sets how much National Insurance is to be paid. The National Insurance category letter can be found on an employee's past payslips. Read more on GOV.UK
AZ	Starting declaration	`A` = This is their only job `B` = They've had other jobs this year `C` = They've got another job or pension	This is how HMRC works out a new employee's tax code. The starting declaration gets sent on the first payday FPS you send for a new employee. Read more on GOV.UK
BA	Employee pension %	E.g.: `5`	The percentage of pay that'll be deducted and put towards pensions. The combination of both "Employee %" + "Employer %" can't go below 8%.
BB	Employer pension %	E.g.: `3`	The percentage of pay that'll be additionally paid from the employer's funds and put towards employee pensions. The minimum is 3%.
BC	Pension enrolment status	`notEnrolled` = Not enrolled in a pension `enrolled` = Enrolled in a pension `optedOut` = Not enrolled in pension (opted out) `ceasedMembership` = Not enrolled in pension (ceased) `optedIn` = Enrolled in pension (opted in) `voluntaryJoined` = Enrolled in pension (joined voluntarily)
BD	Date opted out	YYYY-MM-DD DD/MM/YYYY E.g.: `2024-12-14`	"Opting out" is leaving the pension during the first month of being auto-enrolled. If so, they ARE due a pension refund. Read more on TPR.
BE	Director NICs using alternative method	`y` = Yes ... using alternative method `n` = No ... not using alternative method	The alternative method's common for directors who are paid regularly. Read more on GOV.UK
BF	Seconded from company in another country	`n` = Not seconded `M` = Plans to live in the UK for 183 days or more `L` = Plans to live in the UK for less than 183 days `B` = Working in & out of the UK, living abroad	Turn on if this person is still employed by a separate overseas employer ("seconded") while they're working in the UK. Read more on GOV.UK
BG	EEA citizen	`1` = Yes `0` = No	Turn on if this person's a European Economic Area citizen. Read more on GOV.UK
BH	Included in an EPM6 scheme	`1` = Yes `0` = No	Turn on if this person's in an EPM6 (Employment Procedures Modified, Appendix 6) scheme. Read more on GOV.UK
BI	Earnings are for more than one job	`1` = Yes `0` = No	Turn on if this person has multiple jobs (each with their own payslips) with this company, or with associated businesses. Read more on GOV.UK
BJ	Payments are to a non individual	`1` = Yes `0` = No	Turn on if the bank account that Payroll Payments are made to is in the name of "a personal representative, trustee or corporate organisation". Read more on GOV.UK
BK	Irregular employment payment pattern	`1` = Yes `0` = No	Turn on if this person isn't being paid regularly, or they won't be paid for 3+ months. E.g., they're a casual employee, or they're on long-term sick leave. Read more on GOV.UK
BL	Opening amounts ... Taxable pay this employment
BM	Opening amounts ... Income tax this employment
BN	Opening amounts ... NI category letter	`A` = Everyone else `B` = Reduced NI `C` = Over state pension age `J` = Deferring NI `H` = Apprentice `M` = Under 21 `V` = Veteran's first job `Z` = Under 21 and deferring `X` = National Insurance exempt `F` = Freeport ... Everyone else `I` = Freeport ... Reduced NI `L` = Freeport ... Deferring NI `S` = Freeport ... Over state pension age `N` = Investment Zone ... Everyone else `E` = Investment Zone ... Reduced NI `D` = Investment Zone ... Deferring NI `K` = Investment Zone ... Over state pension age `R` = Mariner ... Everyone else `T` = Mariner ... Reduced NI `W` = Mariner ... Over state pension age `Q` = Mariner ... Deferring NI `G` = Mariner ... Apprentice `Y` = Mariner ... Under 21 `P` = Mariner ... Under 21 and deferring
BO	Opening amounts ... NI taxable
BP	Opening amounts ... Total EE NI
BQ	Opening amounts ... Total ER NI
BR	Opening amounts ... LEL earnings
BS	Opening amounts ... LEL-PT earnings
BT	Opening amounts ... PT-UEL earnings
BU	Opening amounts ... 2nd NI category letter	`A` = Everyone else `B` = Reduced NI `C` = Over state pension age `J` = Deferring NI `H` = Apprentice `M` = Under 21 `V` = Veteran's first job `Z` = Under 21 and deferring `X` = National Insurance exempt `F` = Freeport ... Everyone else `I` = Freeport ... Reduced NI `L` = Freeport ... Deferring NI `S` = Freeport ... Over state pension age `N` = Investment Zone ... Everyone else `E` = Investment Zone ... Reduced NI `D` = Investment Zone ... Deferring NI `K` = Investment Zone ... Over state pension age `R` = Mariner ... Everyone else `T` = Mariner ... Reduced NI `W` = Mariner ... Over state pension age `Q` = Mariner ... Deferring NI `G` = Mariner ... Apprentice `Y` = Mariner ... Under 21 `P` = Mariner ... Under 21 and deferring
BV	Opening amounts ... 2nd NI taxable
BW	Opening amounts ... 2nd Total EE NI
BX	Opening amounts ... 2nd Total ER NI
BY	Opening amounts ... 2nd LEL earnings
BZ	Opening amounts ... 2nd LEL-PT earnings
CA	Opening amounts ... 2nd PT-UEL earnings
CB	Opening amounts ... 3rd NI category letter	`A` = Everyone else `B` = Reduced NI `C` = Over state pension age `J` = Deferring NI `H` = Apprentice `M` = Under 21 `V` = Veteran's first job `Z` = Under 21 and deferring `X` = National Insurance exempt `F` = Freeport ... Everyone else `I` = Freeport ... Reduced NI `L` = Freeport ... Deferring NI `S` = Freeport ... Over state pension age `N` = Investment Zone ... Everyone else `E` = Investment Zone ... Reduced NI `D` = Investment Zone ... Deferring NI `K` = Investment Zone ... Over state pension age `R` = Mariner ... Everyone else `T` = Mariner ... Reduced NI `W` = Mariner ... Over state pension age `Q` = Mariner ... Deferring NI `G` = Mariner ... Apprentice `Y` = Mariner ... Under 21 `P` = Mariner ... Under 21 and deferring
CC	Opening amounts ... 3rd NI taxable
CD	Opening amounts ... 3rd Total EE NI
CE	Opening amounts ... 3rd Total ER NI
CF	Opening amounts ... 3rd LEL earnings
CG	Opening amounts ... 3rd LEL-PT earnings
CH	Opening amounts ... 3rd PT-UEL earnings
CI	Opening amounts ... Total student loan repayments
CJ	Opening amounts ... Total postgraduate loan repayments
CK	Opening amounts ... Statutory Maternity Pay (SMP)
CL	Opening amounts ... Statutory Adoption Pay (SAP)
CM	Opening amounts ... Statutory Paternity Pay (SPP)
CN	Opening amounts ... Statutory Shared Parental Pay (ShPP)
CO	Opening amounts ... Statutory Parental Bereavement Pay (SPBP)
CP	Opening amounts ... Statutory Neonatal Care Pay (SNCP)
CQ	Opening amounts ... Total benefits taxable by PAYE
CR	Opening amounts ... Total employee pension deductions
CS	Opening amounts ... Total employer Class 1A NI

Updated: Tue, 23 Sep 2025.

Keyboard shortcuts

Using keyboard shortcuts 2:47Chrome Windows keyboard shortcuts.

See: "Search shortcuts"

General

Alt+/ or /

Open the keyboard shortcuts page

Alt+H or Shift+/

Open / close help

Alt+R

Reload tab

Alt+Enter

Save

Ctrl+S

Save

Navigation

Alt+U or U

"Menu"

Alt+P or P

"Menu", then "People"

Alt+G or G

"Menu", then "Payroll groups"

Alt+C or C

"Menu", then "Orgs"

Ctrl+Shift+1

Switch to your first Org

Ctrl+Shift+2

Switch to your second Org

Ctrl+Shift+3

Switch to your third Org

Ctrl+Shift+4

Switch to your 4th Org

Ctrl+Shift+5

Switch to your 5th Org

Ctrl+Shift+6

Switch to your 6th Org

Ctrl+Shift+7

Switch to your 7th Org

Ctrl+Shift+8

Switch to your 8th Org

Videos

Esc

Close video

F

Fullscreen video

Space

Play / Pause

M

Mute / Unmute

Shift+>

Faster

Shift+<

Slower

Jump 5 seconds forwards

Jump 5 seconds backwards

Home

Jump to the beginning

See: "Search shortcuts"

Updated: Thu, 15 Oct 2026.

My webcam isn't taking portrait photos, how can I fix it?

When asked to turn on your webcam, tap: Allow

When you tap Take photo the photo booth opens. If it's your first time, you're asked to Allow your webcam:

See other browsers

Chrome: Tap: Allow

Firefox: Tap the drop down triangle and tap: Always Share

Edge: Tap: Allow

If it still doesn't work, make sure your webcam isn't in use by another piece of software.

And finally, make sure it's not blocked in the browser settings:

See other browsers

Chrome: - Go to: Menu > Settings > Show advanced settings > Privacy > Content settings > Media > Manage exceptions - Make sure it's set to Allow for https://www.1st.money.

Firefox: -Go to: Menu > Options > Privacy & Security - Look for \"Camera\": Settings... - Make sure it's set to Allow for https://www.1st.money.

Edge: - Go to: Menu > Settings > Site permissions > Camera - Make sure it's set to Allow for https://www.1st.money.

Updated: Sat, 22 Aug 2026.

Search shortcuts?

See: "Keyboard shortcuts"

Search

Alt+S "Menu", then "Search"

or Move up or down search results

Enter Open the selected entry

Esc Clear the search box

Advanced search

Ctrl+Enter Open in new browser tab

Ctrl + Tap Open in new browser tab

Tab "Search inside" item

Alt + Tap "Search inside" item

Esc (second press) Hide the menu

"Menu", then "p " Search people

"Menu", then "g " Search payroll groups

"Menu", then "o " Search docs

"Menu", then "c " Search orgs

"Menu", then "ps " Search payslips

Deleted items

"Menu", then "p - " Search deleted people

"Menu", then "1+1"

"Menu", then "5*(9-3)="

See: "Keyboard shortcuts"

Updated: Tue, 19 May 2026.

What's the difference between each expense or benefit type?

	Arranged by?	PON or PRE?	Suggest image?	Suggest co-pay?	Suggest reimbursement?	Suggest repeating (PRE)?	See your accountant?
A. Assets transferred	Comp.	PON	-		-	-	-
B. Payments made on behalf of employee	Emp.	PON		-			-
C. Vouchers and credit cards	Emp.	PON			-	-	-
D. Living accommodation	-	-	-	-	-	-
E. Mileage allowance	Emp.	PRE	-	-	-	-	-
F. Cars and car fuel	Comp.	PRE	-	-	-	-	-
G. Vans and van fuel	Comp.	PRE	-	-	-	-	-
H. Low interest loans	-	-	-	-	-	-
I. Private medical	Comp.	PRE	-			-	-
J. Qualifying relocation	Comp.	PON		-		-	-
K. Services supplied	Comp.	PRE	-			-	-
L. Assets placed at employee's disposal	Comp.	PRE	-		-	-	-
M. Other items	Comp.	PRE	-	-		-	-
N. Expense payments on behalf of employee	Emp.	PON					-

Notes:

Comp. = Company: Taxed with income tax (PAYE, employee) + Class 1A NI (employer).
Emp. = Employee: Taxed with Class 1 NI (employee).
Both "One-off" and "Repeating" are always a benefit-in-kind.
PON = Payable Once (once-only).
PRE = Payable Repeating (never suggest image upload).

See HMRC's form: P11D Expenses and benefits

Updated: Thu, 7 May 2026.

Why's Ask AI providing inaccurate responses?

"Ask AI" uses AI to streamline your workflow in 1st Money. However, Ask AI can occasionally produce "hallucinations" unrelated to your actual database records.

Ask AI isn't a substitute for professional counsel.

While Ask AI can summarise payroll figures, it doesn't possess the judgement of a licensed professional.

No professional relationship: Usage of Ask AI doesn't create an attorney-client or accountant-client relationship, and doesn't serve as your legal or tax advisors.
Compliance & risk: Relying solely on AI for sensitive HR compliance, tax calculations, or labour law interpretations poses risks. 1st Money isn't responsible for penalties or damages resulting from actions taken based on AI guidance that wasn't independently verified.

Always consult a licensed attorney or accountant in your jurisdiction for specific situational advice.

The "Human-in-the-Loop" safeguard

To reduce the risk of data errors, we've designed Ask AI with a "Human-in-the-loop" step for all database changes.

Ask AI never executes changes automatically:

You'll always be shown a confirmation to approve the specific change.
It's your responsibility to verify the accuracy of these changes before you tap approve.

When to switch to live support instead

If Ask AI's giving you confusing info about 1st Money, or if you suspect it's wrong:

Verify the data: Cross-reference the answer with the actual records on the screen.
Contact human support: Contact our business-hours live chat support.

Our human support agents are here to help. However, they're prohibited from answering compliance questions or giving legal counsel.

Updated: Thu, 21 May 2026.

Why am I now on a paid plan?

To help you know why you're on PRO, you'll see tiles based on your usage. Here's the master list:
4 You've grown beyond the three-person FREE+ limit.
P You've used a paid pension feature (see below).
C You've paid a person who's a CIS subcontractor.
W You've paid people with weekly paydays.
F You've paid people with fortnightly paydays.
H You've paid people with hourly pay rates.
S You've paid people with student loans.
D You've paid directors.
R You've filed a payday.

Which pension features are free?

Some pension features are free, and some are paid:

FREE	PAID
FREE pension auto-enrollment	PAID pension calculations
FREE pension preview	PAID pension filing

Why they're FREE?	Why they're PAID?
• By law, employers are required to offer pension auto-enrollment to almost every employee.	• It's only when an employee's pension calculations are done on payday, that it becomes a PAID feature.
• When deciding to enrol in a pension, an employee needs to see a preview of how a pension affects their pay.	• As part of completing your Tax Filing, HMRC requires us to send exact info about each employee's pension. It's a PAID feature.

Note: HMRC's Basic PAYE tools don't include any pension auto-enrollment, pension calculation, or pension filing features.

If you're ever not sure about which pension features you'll be needing, please contact 1st Money's free support ... We're here Mon to Fri, 12 noon to 4 pm, UK time.

How do I find out if I'm on the PRO plan?

To find out if you're on the PRO plan:

First, tap: "Menu", "Org", "Billing", then "GBP invoices"
And you'll see a list of people you've paid during the month.
If anybody's marked as "PRO", then you're on the PRO plan.

Can I do director reporting without 1st Money?

Director reporting and National Insurance calculations can only be filed with HMRC through HMRC recognised payroll software, including 1st Money. Read more on HMRC's website.

Do I need to report a student loan with no repayments?

Student loans need to be filed with HMRC even if the employee doesn't earn enough to make repayments (filing a £0 value student loan repayment with HMRC still counts as use of a PRO feature for that month).

Student loans can only be filed with HMRC through HMRC recognised payroll software, including 1st Money. Read more on HMRC's website.

How do I take an employee off their pension?

To opt an employee out of their pension:

First, tap: "Person", "Pay", then "Pension"
Then tap: Stop pension now
The HMRC gets notified automatically, next time the person's paid.
And that's it!

Note: Employers can't encourage or force an employee to opt out of a pension. Read more on HMRC's website.

Can I do employee pensions without 1st Money?

Employee pensions can only be filed with HMRC through HMRC recognised payroll software, including 1st Money. Read more on HMRC's website.

Updated: Sat, 24 Oct 2026.

www.1st.money/uk/help/7._Other/

1st Money

7. Other

1. Chrome microphone

2. Microsoft Edge microphone

3. Safari microphone

4. iPhone microphone

5. Android microphone

General

Navigation

Videos

Search

Advanced search

The search box

Deleted items

Calculator ... do sums in the search box

The "Human-in-the-Loop" safeguard

When to switch to live support instead

Which pension features are free?

How do I find out if I'm on the PRO plan?

Can I do director reporting without 1st Money?

Do I need to report a student loan with no repayments?

How do I take an employee off their pension?

Can I do employee pensions without 1st Money?