Financial concerns are the top worry for employees in 2025 (31% - an increase from 19% in 2024) - three times greater than any other concerns, including mental, physical health and work life balance.
Furthermore, if offered workplace savings support, 28% of employees state they would stay with their employer longer, while 18% report they would work harder.
For decision-makers across HR, Reward, Benefits, and executive leadership, the imperative is clear: fostering financial resilience is not only a moral responsibility but also a distinct strategic advantage. Financially secure employees demonstrate higher levels of engagement, productivity and overall wellbeing.
This report brings together robust data and real-world insights to delineate the scale of financial stress impacting UK employees. It positions financial resilience as a critical metric for employers. Crucially, it provides practical, evidence-based solutions that organisations can implement to happier, healthier and more engaged teams.
Analyses the current financial wellbeing landscape
Identifies critical gaps in understanding and action
Provides data-driven recommendations for building financial resilience
Globally, three million people now have access to the Stream platform through 2,000 brands - across the U.K., Europe and U.S. - making it the world's most widely-used financial wellbeing provider. Offered through employers, the platform helps members to earn, learn, save, spend and borrow on their own terms, all in one smartphone app.
Stream is a B corporation, built with a social charter to provide fair financial services.
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United States