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The nation’s invisible bank – UK edition
UK employees are acting as an invisible bank for their workplaces – to the tune of £6bn every month. Six years on from our first report, we explore the current state of business expenses in the UK and the hidden cost-of-working crisis that's quietly killing productivity.
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Out-of-pocket business costs have more than tripled since 2019, with the average employee spending £238 a month from their own pocket. Return-to-office mandates have amplified the burden, leaving 68% of staff facing cash flow problems and millions relying on credit or borrowing to get by.
This is no longer a minor administrative issue – it is a systemic financial and operational crisis for UK businesses.
In this report, we explore the impact of this ‘invisible bank’ on both employers and employees, along with the solution for fairer expense management.
