Employee schemes

Salary sacrifice scheme and CYOD

Give employees access to a new mobile, tablet or computer — in a way that is simple for you and attractive for them. We handle the setup, insurance, buy-out and salary file.

What is it?

Two flexible ways to offer hardware

With CYOD (Choose Your Own Device) and a salary sacrifice scheme, employees can get new equipment while you maintain control over the range, costs, and administration. We take care of the rest.

Free choice of equipment

Mobile, tablet or computer — you decide the range, the employee chooses within the framework.

All-Risk insurance

Coverage for external damage throughout the entire contract period, ensuring your operations never come to a standstill.

Payroll file directly to the payroll system

We send a complete payroll deduction file every month. No manual handling required on your part.

Buyout and return option

Buyout management after 12 or 24 months as well as a return option upon termination of employment.

CYOD or salary sacrifice scheme?

The two schemes are similar, but address different needs. Here are the main differences.

Choose Your Own Device

CYOD

The company owns the scheme. You decide which equipment can be selected and whether a fixed subsidy is provided. The employee pays any additional costs via salary deduction.

  • You decide the range of equipment yourself
  • Option for a fixed company subsidy — or none at all
  • Flexible price structure with partial co-payment
  • Option to buy out after the agreement period
  • Insurance included for the entire period
  • Salary sacrifice file is sent directly to the payroll system
Best for: companies that want to offer freedom of choice within a fixed framework.
Tax benefit for the employee

Salary sacrifice scheme

The employee pays for the equipment via a salary sacrifice scheme — that is, from their pre-tax salary. This provides a tax advantage and a personal shop with your selected range.

  • Personal employee shop with your product range
  • Payment before tax — tax benefit for the employee
  • All-risk insurance included
  • Buy-out management after the agreement period
  • Return option upon employee termination
  • Full compliance with current tax legislation
Best for: companies that want to provide employees with a fringe benefit.

The difference in brief

A quick overview of the typical differences between the two schemes.

Area
CYOD
Salary sacrifice scheme
Who pays
The company (potentially with employee co-payment)
The employee — via salary sacrifice
Tax benefit
No
Yes — paid before tax
Product range
You decide
You decide
Insurance
All-Risk included
All-risk included
Buyout
After 12 or 24 months.
After the agreement period
Payroll file
Sent to the payroll system
Sent to the payroll system

How to get started

We make it simple to set up — and even simpler to manage.

01

We customise the scheme

Together, we choose the product range, framework, period, and whether a company subsidy is provided.

02

Employees place their orders

Ordering is done via a personal shop. We deliver the equipment ready for use.

03

We handle the operations

Insurance, payroll files, buy-outs and return options — we take care of it all.

Ready for a more stable and simple telephony solution?

Have a non-binding chat with an advisor. We will review your setup and suggest the solution that fits best.