Workplace ISAs & savings
Build healthy savings habits across your business.
A range of workplace saving solutions directly from payroll
Create as many savings pots as you want for different goals
See which investment funds are performing best and easily switch
Make it even easier with a ready-made portfolio to get you started
Check, manage and access your money with our friendly app
Capital at risk. All Cushon ISA products are Stocks and Shares ISAs. The value of investments can fall as well as rise, and you may get less than the full amount you invest.
Getting started with Cushon is easy
![Example of ISA pot in Cushon app](/_next/image?url=https%3A%2F%2Fwww.datocms-assets.com%2F80119%2F1720625888-isa-pot.png&w=1080&q=75)
The figures shown are for illustrative purposes only
Build financial resilience in your workforce
Saving is a habit that's rewarding for employees and for your business.
- A simple way to help your employees build healthy savings habits
- Hassle-free saving through payroll with no cost to you as an employer
- Comes with access to jargon-free help and ideas that bring money management to life
Getting started is easy
Ready-made, optimised investment portfolios.
Our ready-made portfolios make it easy to start with investment ISAs
- Choose the right level of risk for you
- No complicated decisions to make
- Do it all via the app
![Mobile app screen shot of Ethical CushonMix](/_next/image?url=https%3A%2F%2Fwww.datocms-assets.com%2F80119%2F1720205034-ethical-cushonmix-new.png&w=1920&q=75)
The figures shown are for illustrative purposes only
Easy savings through payroll
ISA
Looking for simple, tax-free savings? Make the most of your annual allowance with your ISA.
Choose an ISA
Lifetime ISA
Tax-free savings to help first-time homebuyers get a foot on the property ladder or save for retirement - or both.
Choose a Lifetime ISA
Junior ISA
Setting some money aside for the children? Choose a Junior ISA that will keep tax-free savings until they turn 18.
Choose a Junior ISA
General Investment Account
Reached your ISA allowance for the year? Invest more with our General Investment Account.
Choose a General Investment Account
Getting started with Cushon is easy
![An illustration of a happy family celebrating their savings](/_next/image?url=https%3A%2F%2Fwww.datocms-assets.com%2F80119%2F1707932640-happy-family-piggybank.png&w=750&q=75)
You can trust us
Safe
Cushon is part of NatWest Group. We are authorised and regulated by the Financial Conduct Authority (FCA) and The Pensions Regulator (TPR).
Secure
Privacy and security is our priority. We use the highest levels of encryption and the most robust financial industry standards for securing our app and website.
Fair
We keep our charges transparent and fair. There is a simple %-based cost for investing with Cushon, and no hidden fees.
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Blogs
Time's on your side with a Junior ISA
As the school holidays are ending and we’re heading back to our usual routines, there is a no better time to start a savings habit.
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![](/_next/image?url=https%3A%2F%2Fwww.datocms-assets.com%2F80119%2F1717423825-making-the-most-of-pensions.png&w=3840&q=75)
Blogs
Making the most of pension and ISA allowances
As we quickly approach the end of the tax year, are you making the most of Pension and ISA allowances?
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![](/_next/image?url=https%3A%2F%2Fwww.datocms-assets.com%2F80119%2F1719933822-workplace-isa-or-occupational-pension.jpeg&w=3840&q=75)
Blogs
Workplace ISA or occupational pension?
Consider the following question. In respect of a millennial employee (aged under 40, aka “Generation Y”), what does a pension pot offer that a Lifetime ISA (LISA) does not? The LISA trumps pension pots in three fundamental respects.
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Blogs
Don’t snooze on your ISA allowance
ISAs are popular saving products as they provide a tax-free wrapper for your money, meaning when you withdraw it’s all tax free (including any growth you’ve made on the money). ISAs run with the tax year, so allowances reset from 6th April 2022.
Team NatWest Cushon
Frequently asked questions
There's no charge for employers.
Members pay an Annual Management Charge or 'AMC'. This is a small percentage starting at 0.69% and depends on the investments they select.
No. We are open to all organisations of all sizes.
If you've just hired your first employee, you'll need a workplace pension to comply with your auto enrolment duties - so we've made it easy to apply.
Most applications only take a few minutes.
If you're short for time, we only need some information about you and your company to save your application in case you need to return to it later.
We need information that you will already know about you and your organisation.
This includes information about you, your organisation, who will be running your workplace pension and when you want it to start.
Very safe.
Cushon Master Trust is authorised and regulated by the Pensions Regulator. Members' savings are legally protected by a trust management. We are chosen by employers across the UK to help their employees confidently save for the future.
Importing employees and contributions into your payroll through the Cushon Employer portal couldn't be easier. We have created a guide to help you understand the supported file formats and the upload process.
You can download the Cushon app on the Apple App Store or the Google Play Store. Alternatively, you can access our member portal.
If you have a pension with us and are logging in the app for the first time, you'll need the unique 6-digit one time access code that has been sent to you in your Welcome Pack.
For your pension account, this is your National Insurance Number.
Forgotten your password? Click here and follow the simple steps to get a new one.