WageBeam is a modern employee benefit that gives you the flexibility to access the portion of your salary you've already earned - all before your official payday. It's about giving you control over your finances whenever you need it.

For you as an employee, using WageBeam is free of charge. Your employer provides you with this service as a benefit to promote your financial health and flexibility.

The principle is very simple and straightforward so that you can concentrate on the essentials. The process takes place in three steps:

• Work: You work your regular hours as usual.
• Flexible withdrawal: If necessary, you can have part of your salary paid out early at any time.
• Remaining salary received: On your regular payday, you will receive the remainder of your salary in your bank account as usual.

No, by no means. WageBeam is not a loan, as you only access your own money that you have already earned. The key advantage for you is that you can cover unexpected expenses without having to resort to expensive alternatives such as overdrafts or short-term loans.

WageBeam was developed to make your everyday financial life easier. Your main benefits are:

• Financial flexibility: You have instant access to your earned wages , giving you more security in case of unforeseen expenses.
• Avoidance of debt: You can avoid costly overdrafts when things get tight.
• Reduced stress: The security of being able to access your money at any time reduces financial worries. This contributes to greater satisfaction in your private life and at work.

WageBeam is designed to integrate seamlessly with existing HR systems without creating additional work for your employer. The process is automated to ensure your privacy. Your personal financial management is and remains your business.