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An umbrella company is the simplest way to get paid for most contractors. The umbrella employs contractors carrying out short-term assignments and makes Pay As You Earn (PAYE) and National Insurance contributions - so no unexpected tax bills.

You get a consistent employment record (handy for mortgage and loan applications) and access to entitlements like a workplace pension, holiday pay and maternity / paternity pay. In short, all the benefits of continuous employment as a contractor, without the admin of running your own limited company.

Reasons to choose My Max, our umbrella company

The best of both worlds. All the freedom of contracting with the benefits of continuous employment, which helps with loan and mortgage applications.

Salary Sacrifice for Personal Pensions
Award winning service
Holiday pay and workplace pension

Salary Sacrifice for Personal Pensions

Save £100s each month in both PAYE and NI contributions with the UK's leading pension providers. We also pass on 100% of the employer’s savings in the form of additional gross pay.

Salary Sacrifice for Personal Pensions

Award winning service

Voted the UK's Best Umbrella Company in The Contracting Awards 2023 (third year running) and five times overall in the Contractor UK Reader Awards.

Award winning service

Holiday pay and workplace pension

Accrue holiday pay and take advantage of pension schemes.

Holiday pay and workplace pension
Statutory payments
Allowable expenses
£30m in insurance cover

Statutory payments

Access to benefits like statutory sick pay and paternity/maternity pay.

Statutory payments

Allowable expenses

If you are travelling to multiple sites on a regular basis, you may be eligible to claim tax relief on your allowable business expenses.

Allowable expenses

£30m in insurance cover

£10m employers’ liability, £10m public liability and £10m* professional indemnity insurance cover. *There is a limit below £10m for certain sectors / professions.

£30m in insurance cover
  • Maximum convenience. Minimum fuss.

    On the go or in the office, with the My Max online portal and mobile app, your contracting admin has never been so easy.

  • Request holiday pay

    See how much holiday pay you've accrued and put in your request in no time.

  • Expenses

    Eligible umbrella contractors can claim site-to-site travel expenses in just a few simple steps. We've made it quick and easy to claim receipted expenses too.

  • Easy-access paperwork

    Head for the "Useful Info" tab to download handy paperwork like your latest employment contract, P60s and insurance certificates.

  • Guides and FAQs

    We've got our umbrella contractors covered with a comprehensive library of guides and FAQs have got you covered for everything from bank holidays to tax rates to timesheets.

  • Search and download payslips

    See your last three payslips at a glance, and search the rest with our date-range tool.  They're all available to download wherever you need them.

  • Personal details

    Update personal details like your phone numbers and address quickly and easily.

My Max rewards

A phenomenal range of discounts and cashback from over 7,000 retailers which are available exclusively to our My Max contractors.

  • 15% offClothes and fashion
  • 60% off Electricals
  • 60% off Entertainment
  • 10% off Family, kids and babies
  • 20% off Finance and insurance
  • 20% offFood and drink
  • 18% offGifts and gadgets
  • 15% off Health and beauty
  • 15% off High street shopping
  • 10% off Home and garden
  • 15% off Motoring
  • 10% off Services
  • 10% off Sports and leisure
  • 10% off Travel and hotels
My Max rewards

My Max More only from PayStream

Exclusive offers and services, handpicked for My Max contractors

Rewards+
Financial advice
Exclusive contractor mortgage deals

Rewards+

Access to a 24/7 online GP service, a BP Plus Fuel card saving up to 20p per litre, a 25% saving on gym memberships and Personal Accident cover which insures you for any accidents you have while at work or on your commute.

Rewards+

Financial advice

Advice from Haven Global Strategies Ltd who are specialists in the contractor market and can help with your pension planning or securing a mortgage or loan.

Financial advice

Exclusive contractor mortgage deals

Products and deals from brokers and lenders who specialise in catering for umbrella company contractors.

Exclusive contractor mortgage deals

Which is better? Umbrella or PAYE?

Let's compare both options

Get even more with My Max Exec

All the benefits of My Max, but with some extra perks. We've thrown in a standard Self Assessment tax return, a full IR35 review of future contracts and a subscription to our Tax Investigation Protection Service and that's just to name a few.

Discover My Max Exec

Looking for support? Head for our HelpHub or call our New Business Team on 0161 923 0201

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