Financial Wellbeing for operators

Financial Wellbeing in Hospitality – Powered by TiPJAR

4.2M

Days lost annually in absences due to poor financial wellbeing

77%

Of employees say that money worries impact them at work

75%

of employees state that the contribution of tips on top of their paid salary as being either important, or very important

7 in 10

Employers believe financial pressure reduces staff performance

Happy Teams power great hospitality

At TiPJAR, we believe that happy, supported teams are the backbone of brilliant hospitality. When people feel secure, valued, and empowered in their work, it shows – in the service they give, the energy they bring, and the loyalty they build.

That’s why we’re passionate about championing financial wellbeing across the industry. Money worries shouldn’t be a hidden stressor in a job that’s all about creating great experiences. From fair tipping practices to tools that help team members save for the future, we want to make financial confidence part of everyday life for hospitality workers.

Let’s create a hospitality industry that not only delivers unforgettable guest experiences, but also looks after the people who make them happen.

"The joy on our team's faces when their tip summary comes through is fantastic to see. It’s always one of the most hotly anticipated emails of the week!"

Matt Gough

Brewdog - Head of People Operations

What is financial wellbeing?

Financial wellbeing is about feeling secure and in control of your money. It means being able to make the most of your income day to day, handle any unexpected surprises, and build towards a stable financial future. When someone is financially well, they’re resilient, confident, and empowered to make choices that support their goals – big or small. It’s not about how much you earn, but how supported and in control you feel.

What does financial wellbeing look like?

It shows up in different ways for different people, but there are a few key signs:

Financial Security: Being able to comfortably cover everyday expenses, manage unforeseen costs, and put something aside for the future.
Control and Confidence: Feeling in control of your finances, and confident in the decisions you make – from budgeting to spending.
Emotional Wellbeing: Money worries can be a major source of stress. When finances are under control, it lifts a huge emotional weight.
Long-Term Planning: It also means being able to think ahead – whether that’s saving for a holiday, a rainy day, or retirement.
Financial Literacy: Understanding how money works – from budgeting and saving to knowing your rights – is key to making empowered choices.

At its core, financial wellbeing is about building a healthy relationship with money – one where you feel secure today and optimistic about tomorrow

"We’ve seen an increase in staff satisfaction since introducing TiPJAR. Knowing their tips are handled fairly makes a big difference."

Chiara Di Corcia

Stir Cambridge - General Manager

Guest Blogs from the Experts

Real insights from organisations championing mental health, addiction support, and wellbeing in hospitality

Boosting Hospitality Spirit – Why Financial Wellbeing Matters More Than Ever!

Boosting Hospitality Spirit – Why Financial Wellbeing Matters More Than Ever! candid hospitality candid hospitality If there’s one thing I know for sure, it’s that working in hospitality is a rollercoaster – fast paced, rewarding, and sometimes (more days than we’d like to admit 👀).. a bit chaotic. We pour our hearts into making guests […]

How Only a Pavement Away Supports The Hospitality Industry

how only a pavement away supports the hospitality industry Only a pavement away oAPA Who we are Only A Pavement Away is the national charity that supports people facing homelessness, to rebuild their lives through employment opportunities in hospitality. OUR PURPOSE: To support people looking to rebuild their lives by providing employment opportunities, financial support […]

Meet Sync: The Easiest Way to Save From Your Pay

Meet Sync: The Easiest Way to Save From Your Pay sync savings Sync Savings Ever felt like saving is harder than it should be? You’re not alone, and that’s exactly why we built Sync. We believe saving shouldn’t be an extra chore. For too long, putting money aside has felt like something you should do, […]

tabology – give your staff money confidence

tabology – give your staff money confidence Tabology Tabology Whether you run a bar, pub, cafe or restaurant, it’s the people who create the atmosphere. Which is why staff wellbeing is more vital to hospitality businesses than most other sectors – happier staff equals better quality interactions with customers (which means they’re more likely to […]

Taking Care of What Matters: Financial Wellbeing Support from LTC

Taking Care of What Matters: Financial Wellbeing Support from LTC Licensed Trade Charity LTC Wellbeing Platform Who we are, and why we’re here for you At LTC, we support people in licensed hospitality to live well, stay resilient and handle life’s ups and downs with confidence. Whether you’re working in a pub, bar or brewery […]

UK Hospitality and Financial Wellbeing

UKHospitality & financial wellbeing UKH Hospitality UKH What is UKHospitality and what do we do? UKHospitality is the leading trade body for hospitality, representing every corner of the sector. We represent more than 130,000 venues, from pubs, bars and restaurants to hotels, indoor leisure and contract catering. Our members benefit from our dedicated campaigning to […]

Why employee wellbeing in hospitality can no longer be an afterthought

Why employee wellbeing in hospitality can no longer be an afterthought KAM Insight kAM At KAM, we’re in the business of listening—really listening—to the people working across the hospitality industry. From the pub floor to the kitchen pass to head office, we make it our mission to understand what truly matters to hospitality employees, and […]

"Most of our team eagerly wait for their tips. It makes a big impact on them, especially on Fridays just before the weekend. The fact that they’re checking the clock, minute by minute, knowing exactly when it’s going to land, shows how much it means. It’s become a real part of our way of living – it’s now part of our DNA."

Tommy Giraux

Honest Burgers - Head of Projects

See How Your ROI Can Grow

Powered by Sync

How much could your business save with Payroll Savings?

Around 62% of UK employees are financially stressed. Each affected employee costs you about £1,000 per year in lost productivity and turnover.

Number of employees

Participation rate (40%)

20%-40% typical range of employees saving through Payroll Savings

Impact rate (70%)

50%-100% of financial stress-related costs for employees

Payroll Savings cost £1 per active employee/month

Results for year 1

Hidden cost

(£1000 per employee)

–

Recoverable costs –

ROI –

Optimistic recoverable costs: –

"We’re all about supporting our team so they can feel confident, deliver amazing service, and bring that signature Alchemist theatre to life. What we love about TiPJAR is how people-focused they are. Their approach truly empowers teams, and it just feels like such a great fit for us. We wanted a partner who really gets what it’s like in hospitality—not someone all about numbers and spreadsheets—and TiPJAR’s team totally gets it."

Hannah Plumb

The Alchemist - Talent & Culture Director

real user stories

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"Across the St Austell estate, we have a real mix of people working with us—from all backgrounds and in all kinds of roles. But no matter who you are, having the ability to see your tips and tronc in real time makes a huge difference. We believe that transparency has played a big part in the uplift in service levels, helping us deliver the best possible experience for our customers."

Kes Osborne

St Austell Brewery - Area Manager

Meet Spend, save, and rewards

Supporting the team beyond payday

Our new “Spend & Save” feature makes it easier for your team to build better habits. Every time someone gets tipped, a portion of it can go straight into savings. No extra apps, no fuss – just a simple way to put a little aside every shift. It’s free for teams using TiPJAR and is live now!

Save: Build Up Your Tips with Interest

Rather than receiving tips instantly, staff can now choose to save them in an easy-access savings account. Whether collected via QR codes, Tap to Tip machines, PDQs, or Supertronc, tips can be held in a savings pot—growing with interest! It’s an effortless way to set money aside for something special.

With industry leading interest rates*

Rewards – Save on every day spending

TiPJAR rewards unlocks hundreds of exclusive discounts across high-street favourites — restaurants, travel, entertainment, gyms, fashion, tech and more. And it doesn’t stop there: new offers will drop regularly, so there’s always something fresh to save on.

Spend: Coming Soon

Prefer to spend your tips instead of saving? We’ve got you covered!

At TiPJAR, we want to make your tips go further. When you use your TiPJAR card in your e-wallet, you’ll get INSTANT CASHBACK – no waiting for 90 days!

We’ve partnered with your favourite pubs, coffee shops, and retail stores so you can make the most of your tips.

earn your tips

save your tips

spend your tips

Talk to us about upgrading today!