CYCLE TO WORK SCHEMES EXPLAINED



Cycle to Work schemes help you save money while commuting on a new bike.

They let you spread the cost through tax-free monthly installments taken by your employer.

Allowing you to save up to 47% on a new bike.


WHY CYCLE TO WORK? UNLOCK A BETTER YOU

Give your body and mind a natural boost each day.


Feel your mood lift as you grow stronger and healthier.


Build momentum toward your fitness goals with every ride.


Transform your commute into a positive, energizing part of your routine.


Cut down on fuel and parking costs while enjoying a more active lifestyle.

EMPLOYERS BENEFITS

Quick and cost-free setup
Join at no cost with access to multiple Cycle to Work schemes, allowing you to choose the option that suits your business.

Lower employer NI contributions
Save 13.8% on National Insurance when employees take part in the scheme.

Improve wellbeing and engagement
Promote a healthier, happier workforce with a valuable, wellbeing-focused benefit.

Strengthen your employee offering
Enhance your benefits package to attract the best talent and retain existing staff.

Enhance your sustainability credentials
Show your commitment to the environment while strengthening your brand’s green reputation.

Ease parking and traffic pressure
Encourage cycling to reduce congestion and demand for workplace parking.

EMPLOYEE BENEFITS

Big savings on your new bike
Save up to 47% on a new bike and accessories through salary sacrifice.

Keep more of your salary
Pay no Income Tax or National Insurance, giving you better value for money.

Ride now, pay later
Get on your bike straight away with no upfront cost.

Easy, predictable monthly payments
Fixed, hassle-free repayments are taken directly from your salary.

A greener way to travel
Swap the car for a bike and reduce your carbon footprint.

Healthier rides, happier days
Boost your fitness, energy, and wellbeing—one ride at a time.

OUR PARTNERS

We accept All Cycle To Work Vouchers

Icon Image
Icon Image
Icon Image
Icon Image
Icon Image

HERE'S HOW IT WORKS

  • STEP 1

    Find out which scheme your employer already using or encourage them to register - and we're here to support you every step of the way.

  • STEP 2


    Browse our range to pick the bike and accessories you want, then note down the total price.

  • STEP 3


    Request your e-Certificate for the full amount. When it arrives, just send it over to us and we’ll get your order started.


1 3

Cycle to Work Scheme FAQs – Everything You Need to Know

Who owns the bike during the Cycle to Work agreement?

Throughout the hire period, the bike is owned by your employer or the scheme provider. Ownership may be transferred to you once the agreement ends.



How long does a Cycle to Work agreement last?

Repayment periods are usually 12 or 18 months, depending on your employer. Payments are deducted automatically from your salary each month.

.

Can I choose any bike or brand?

Your choice depends on the Cycle to Work provider your employer uses. At TopDog Bikes, we work with multiple schemes and offer a wide selection of eligible bikes and brands.

How much can I save with the Cycle to Work Scheme?

You can typically save between 30% and 47% on the cost of an eligible bike and accessories. Your exact saving depends on your income tax band, as payments are taken before tax and National Insurance.


Can part-time employees use the Cycle to Work Scheme?

Yes. Part-time staff are eligible as long as they meet the same criteria as full-time employees, including PAYE employment and minimum wage requirements.


What if my bike is stolen or damaged?

You’re responsible for the bike during the agreement, even if it’s stolen or damaged. Payments must continue, so we strongly recommend taking out bike insurance.


How does the Cycle to Work tax saving work?

The cost of your bike is deducted from your gross salary, reducing the amount of Income Tax and National Insurance you pay—this is where the savings come from.



Who is eligible for the Cycle to Work Scheme?

Most employees aged 18 or over, paid through PAYE, and earning above minimum wage after deductions can take part—provided their employer offers the scheme.



What happens if I leave my job before the scheme ends?

If you leave your employer, the remaining balance is usually taken from your final payslip. This repayment is made from your net salary, meaning tax savings won’t apply to the outstanding amount.



Do I have to use the bike only for commuting?

No. While the bike should be used mainly for work journeys (at least 50%), you’re free to use it for leisure, fitness, and personal rides as well.



Can I use the Cycle to Work Scheme more than once?

In many cases, yes. Most employers allow employees to reapply after 12 months, although individual company policies may vary.



an I top up if my bike costs more than the scheme voucher?

No. Under Department for Transport guidelines, personal top-ups aren’t allowed. The total value of the bike and accessories must be covered by the scheme certificate.


How quickly is my Cycle to Work certificate approved?

If you already have a valid certificate, approval is often completed within 24 hours. In some cases, it may take slightly longer depending on the provider.


What happens at the end of the Cycle to Work hire period?

At the end of the agreement, you’ll normally be offered options to extend the hire, return the bike, or take ownership by paying a small final amount—often 3–7% of the bike’s value, or as little as £1 after several years.


Which Cycle to Work schemes do you accept?

We accept most major UK Cycle to Work schemes. Scroll down to view our full list of approved partners and get started today.



CONTACT US

Cycle To Work Schemes

Click images below for more information..