Contents

Payslip

Tax

Setting up your worker profile to ensure you get paid correctly

Pension

Everything you need to know about your pay is on these pages. Please click the links to get you to where you need to be.


When will I get paid?

Coople pays every Friday for the work you’ve done two weeks before.

  • We want our Cooplers to receive payment for their work as soon as possible. For us, this means making payments on Fridays, two weeks after you finish all your weekly shifts.

  • We consider a working week Monday to Sunday. This means that if you work at any point during our working week, you will receive your pay two weeks later, on Friday. And we will send you your payslip for the week on Wednesday.

  • We do this because as your legal employer, there are some things we do before we can pay you. These include calculating your National Insurance contributions, holiday pay and pension.

Let’s see how this looks on a calendar so that it’s easy to understand:

Hanna works with Coople for three weeks.

  • On Week 1 (1st to 7th), she works on Monday, Wednesday and Sunday.

  • On Week 2 (8th to 14th), she works Tuesday, Wednesday, Thursday and Sunday.

  • On Week 3 (15th to 21st), she works Monday, Tuesday, Wednesday, Thursday, and Sunday.

When will she get paid?

  • Hanna will receive payment two weeks after the end of each of her weekly shifts, on Friday.

  • She will receive payment for Week 1 (1st to 7th) on Friday 19th.

  • She will receive payment for Week 2 (8th to 14th) on Friday 19th.

  • She will receive payment for Week 3 (15th to 26th) on Friday 2nd.

This is what it looks like:

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What’s on my payslip?

Your payslip contains details like total weekly payments, your holiday pay and pension contributions.

Coople’s payslips contain all the details about your payments and deductions. It can be a bit difficult to understand what’s on your payslip, so here’s a good summary that can help:

Some important things first

  • Coople is your legal employer. You can work across a range of jobs for different companies but all payments come from us as you’re employed by Coople. We make National Insurance Contributions in your name and include benefits in every job you do. These benefits include Holiday Pay and Statutory payments (Sick pay, Maternity and Paternity pay).

  • We pay weekly, on Fridays, for the shifts you’ve worked two weeks before. This means that when you work a shift any day from Monday to Sunday, you’ll receive payment for that shift two Fridays later.

  • We send your payslips on Wednesdays. You can find all your payslips in Profile > Settings > Payslips.

Let’s look at the most important information on your payslip, what you’ve earned:

Net Pay: This is the money you’re taking home. It’s the result of adding your Total Payments or Gross Wage and subtracting your Total Deductions.

Total Payments: This is your Gross Wage or the money you've earned for all your shifts in a week. It includes your Holiday Pay + Standard Hours + Statutory Payments + Bonuses, Commissions and Expenses. These last three payments are voluntary, and only some companies might choose to include them in your pay at their discretion.

Total Deductions: This is the money you’ve paid to maintain public services like healthcare, unemployment benefits and your own retirement pot. It includes your National Insurance Contributions + Pensions + Tax. Any figure you see in brackets is a refund that has not been deduced from your Total Payments.

Summary: This is the total Tax Deducted you’ve had from your Total Payments with Coople this YTD (Year to Date). This period of time starts on the first day of the fiscal year which in the UK is April 1st.

Let's look at your Timesheet Analysis to understand the money you've made in every shift:

The timesheet analysis contains information about:

  • The week when you did all the shifts (called PE Date or Period Ending Date. It's always a Sunday)

  • The Client

  • The Location

  • The Pay Rate - this is your base wage, excluding holiday pay

  • The number of hours worked (called Units)

  • and the Amount made in each shift

When you add all the amounts, the result is the Standard hours.

Why is the Amount different in the app and on the payslip?

When you apply for a job in the Coople Job App, you'll see that the Pay we show is your Rate including holiday pay.

However, we separate these two concepts on your payslip so you can understand better what Coople is paying you (the Holiday Pay) and what the company you worked with is paying you (the Standard Hours).


Why isn’t my break included in my pay?

You are paid for your working hours, and get holiday pay on top of your wage.

With Coople, you get paid for the time you work, and that means that your break is unpaid.

You will only be paid for hours worked, which will be reflected in your payslip.


What is holiday pay?

Holiday pay is what Coople pays you on top of the Pay Rate you get in every job or shift by working with our registered companies.

When you apply for a job in the Coople Jobs App, you’ll see that your Pay for a job is the Rate including Holiday Pay.

What does this mean?

Our platform’s companies pay you a Rate for your worked hours at an agreed hourly rate. On top of this, we include your Holiday Pay because you’re a Coople employee.

We show you your total earnings in the app, so you get an idea of how much money you will take home for a job. However, on your payslip, you’ll see the Rate and the Holiday Pay separated. We do this to understand better how much you made in every shift and how much Coople contributed to your holiday pay.

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What is deducted from my pay?

Your pay is subject to income tax and national insurance contributions.

On the Coople Jobs App, we display your gross pay, which is the amount you are paid before deductions.

As your employer, we take care of your income tax and your national insurance contributions so you don’t have to. These will be deducted from your pay.

These contributions are required by UK employment law and will ensure you’re always working legally when you work with Coople.

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What are the Tax Codes?

HMRC, the tax authority in the UK, tells Coople which tax code to use to collect the right Income Tax from your pay.

Your tax code includes a number and a letter. For example 1250L. The number tells us how much tax-free income you’ll get in that tax year (from April to April).

In the example above, 1250L, you can have your first £12,500 tax-free. This is called your Personal Allowance and it’s spread evenly across your pay packets throughout the tax year. Once you earn more than £12,500, Coople will deduct tax from your income before you receive payment.

It’s essential that you enter your HMRC declaration information in the Coople Job App. This will help us inform HMRC of your working circumstances and ensure that you’re taxed correctly.

Go to Profile > Settings >HMRC Declaration and select the option that applies to you.

If you think you’re in the wrong tax code, please contact HMRC directly.

You can find more information about tax codes on this government website.

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I think I’m on the wrong tax rate. Where can I select my tax?

Make sure you select the right tax rate when you report your hours.

So that you pay the right amount of tax, it’s important that you select the correct tax rate when working with Coople.

When you submit your hours, you will be asked to complete a HMRC declaration. It only takes a few seconds, but be sure to check it thoroughly.

Selecting the correct option will ensure you’re on the right tax rate. If you select the wrong option and end up paying too much tax, there is nothing we will be able to do and you will have to contact HMRC directly.

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I’m a Student. Why do I have to pay tax?

In order to comply with UK employment law, students will still have to pay taxes.

Even if you are a student, you will be subject to paying Income Tax and National Insurance as part of UK employment law.

You will pay Income Tax if you earn more than £1,042.42 a month on average.

You will pay National Insurance if you earn more than £166 a week.

If you think you have paid too much tax because you are continuing to pay but you stopped working part way through the tax year, you may be able to claim a tax refund.

To see if you’re eligible for a refund, you can use HMRC’s tax checker, or alternatively, you can contact HMRC directly.

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How can I add National Insurance Number to my worker profile?

Coople needs your NI number to add you as a worker, make payments, and national insurance contributions.

Coople is your legal employer. Once you pass your right to work, we'll legally employ you, pay your wages and make national insurance contributions in your name. including pension and holiday pay. This is why we need to confirm your National Insurance number (NI number).

We recommend you share your NI number with us when you create your profile and always before you get a job. Without your NI number, we won't be able to put you in the right tax code and pay you for the work you do. You also need to add your bank details so that we can pay you.

Add your National Insurance number

  1. Open the Coople Job App

  2. Tap on Profile

  3. Tap on Settings - the three lines' menu - at the top right of the screen

  4. Tap on Right to work

  5. Tap the edit button at the bottom right of the screen

  6. Write your National Insurance number

  7. Tap on the Save button at the bottom right of the screen

If your legal residence is different from the address you gave us, please change it here. We need to see the address you've given to HMRC.

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How can I add my HMRC declaration?

Declare your tax status so that we can put you in the correct tax code.

Coople is your legal employer. This means that we legally hire you, make National Insurance Contributions in your name and include holiday pay and other benefits every time you do a shift with us.

To put you in the correct tax code, we need to know your tax status.

  • Open the Coople Job App

  • Tap on Profile

  • Tap on the Settings menu at the top right of the screen

  • Tap on HMRC declaration

  • Select the option that best describes your status

If you think you’re in the wrong tax code, please contact HMRC directly. You can find more information about tax codes on this government website.

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How can I add my bank details?

Make sure you enter your bank details by tapping the payment details option.

You can enter your bank details within the profile menu & then tap on the Settings icon in the top-right corner.

Next Tap on 'My account'...

and then 'Payment'...

Now enter your bank details (make sure there are no dashes in your sort code) and add your current residence address.

...that's it. You're done! Now just sit back and wait for the money to roll in 💳

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Is there a workplace pension scheme?

If you’re eligible for a pension, Coople will automatically enroll you with NEST, 12 weeks after your first shift.

At Coople, we want what’s best for our workers. That’s why, if you’re eligible for a pension, we’ll automatically enroll you with our trusted provider, NEST.

Am I eligible for a pension?

You’re eligible to join our workplace pension if:

  • You’re 22 or over, and younger than retirement age.

  • You work in the UK.

  • You earn more than £10,000 a year (that’s £833 per month or £192 a week).

  • You’re not already a member of the pension scheme we provide.

If you don’t meet the above criteria, sadly it means you’re not eligible at this time. You’ll receive a note from NEST explaining exactly why. But, don’t worry, we’ll keep an eye on your profile and, if your situation changes and you become eligible, we’ll instantly let you know!

How do I enroll?

If you're eligible for a pension, you’ve got nothing to do! Coople will automatically sign you up with NEST, 12 weeks after your first shift. We’ll also take care of your contributions and deduct them from your salary for you.

How much will I save?

It really depends on how much you earn. We have to calculate contributions based on your annual qualifying earnings so it could be anything between £5,876 and £45,000.

Here’s an outline of how things work:

  • As your legal employer, Coople will pay the employer contributions: 3% of your qualifying earnings per week.

  • You'll pay the member contributions: 5% of your qualifying salary per week.

To see exactly how much is being paid into your pension, simply check your payslip.

Can I opt-out of the pension scheme?

Yes, you can opt-out at any time. All the details are in the information pack.


Any questions or issues, just visit the NEST website (they have great FAQs) or contact us via the Help Center.

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