Join
Payroll Savings

Save straight from your pay.

Payroll saving is one of the simplest ways to save with Capital. You choose an amount, we arrange it with your employer, and it comes straight off your wages into your savings, before your pay ever reaches your bank.

Check if your employer is a partner See how it works

Payroll saving at a glance

  • Straight from your wages Set aside before you are paid.
  • You choose the amount From £10 to £1,500 per month. Change or pause it any time.
  • Build up your savings Ready for life's unexpected moments, or a holiday.

Available through select employer partners. Subject to status. Membership eligibility criteria apply.

Are you an employer?

Employer Inquiry. If you are looking to offer payroll saving to your staff, you are on the wrong page. Partnering with Capital is free to set up, simple to run, and gives your team a benefit they will actually use.

Go to the employer page
What is payroll saving?

Pay yourself first, straight from your wages

A direct debit pulls money from your bank account after you are paid. Payroll saving works one step earlier: you tell us how much to save, we arrange it with your employer, and the amount comes straight off your wages before they reach your bank. You save without lifting a finger.

You choose the amount

Tell us how much you would like to save from each payslip.

We arrange it

We set up the deduction with your employer, so it comes straight off your pay.

Your savings grow

It lands in your own Capital savings account, ready whenever you need it.

Why members love it

The easiest way to build a savings habit

Saving from your pay takes willpower out of the equation. Here is what makes it work so well.

Effortless by design

The amount you choose is saved before you see it, so there is nothing to remember and no temptation to skip a month.

On your terms

You decide how much to put away, and you can change or pause it whenever your circumstances change. Change it in the app or contact our team.

Your money, your account

Your savings build in your own Capital account. Depending on the account you choose, you can have instant access whenever you need it.

Clear, fair fees

As a member-owned credit union, our fee structure is transparent. There are no hidden charges to chip away at what you save.

How it works

Set up in four simple steps

1

Check your employer

Use the search below to see whether your workplace is one of our employer partners.

2

Join CCU

Complete a quick online application to become a member. It only takes a few minutes.

3

Choose your amount

Tell us how much you would like to save in our app, and we will arrange the deduction with your employer.

4

Watch it grow

From your next eligible payday, your savings build automatically. Manage them any time online or in the app.

Guides to help you get started

Payroll Savings booklet July 2026 · Your complete guide to saving from your pay Setting up in the app Step by step, screen by screen, in the Capital app
Already a member? You do not need to join again. Just get in touch and tell us how much you would like to save, and we will arrange the payroll deduction with your employer.
Select Employer Partners

Is your employer on board?

We work with more than 90 employer partners across Scotland, large and small. Search for your workplace below to see if you can save straight from your pay.

    Can't see your employer? They may not offer payroll saving yet. You can still join Capital and save by direct debit, or ask your employer to explore an employer partnership with Capital.
    Common questions

    Payroll saving,
    answered

    The things members ask us most about saving from their pay. For anything specific to your workplace, just get in touch and we will talk it through.

    View all savings FAQs →
    Yes. Payroll saving puts money into your own Capital Credit Union savings account, so you need to be a member. You can complete a quick online application to join, and if your employer is a partner, just tell us how much to save and we will arrange the deduction with them. Subject to status and affordability. Membership eligibility criteria apply.
    A direct debit comes out of your bank account after you have been paid. With payroll saving, the amount is taken from your wages by your employer before it reaches your bank, then sent straight to Capital. Many members find it easier to save money they never see in their current account.
    Yes. You are always in control. You can increase, reduce, pause or stop your payroll saving any time. Just let us know and we will update it with your employer. There is no minimum term and no penalty for changing your mind.
    Yes. Your savings are yours. They build in your Capital savings account, which you can manage online or in the app. Access depends on the type of account your savings go into, and many offer instant access. We will confirm the details when you set up.
    Your savings and your membership stay with you, they are not tied to your job. If you leave, your payroll deduction simply stops. You can keep saving by direct debit or standing order instead, and if your new employer is also a partner you can set payroll saving up again. Get in touch and we will help you switch.
    Payroll saving is only available where your employer has partnered with us, but becoming a partner is free and straightforward for them. Point your employer to our employer partnership page, and we will take it from there. In the meantime, you can still join Capital and save by direct debit.