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Cycle to Work Scheme

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Government-backed salary sacrifice

Cycle To Work Scheme

Performance bikes, made affordable. Save up to 42% on a new bike and accessories through tax-free, interest-free monthly payments — straight from your salary.

Calculate Your Savings How It Works How Can I Apply
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The scheme

A smarter way to fund your ride

‘Cycle to Work’ is a government-backed scheme that lets you save up to 42% on the price of a new bike and accessories, supported by your employer. You benefit from tax-free savings and spread the cost interest-free.

Choose a bike, hire it for an agreed length of time from your employer using monthly pre-tax salary sacrifice, then snap it up for a fraction of its value at the end of the hire period.

Four simple steps

From the shop floor to the saddle

A government-backed tax benefit for cyclists. Choose your bike, apply through your employer, and ride away — saving up to 42% along the way.

  1. Choose

    Pick your bike & accessories at Paul’s Cycles

  2. Apply

    Reserve, then apply for your voucher through your employer

  3. Ride

    Send us your voucher & ID, then collect your bike

  4. Save

    Pay monthly via salary sacrifice, keep your bike

Step by step

How Do I Apply?

Buying a bike through the Cycle to Work scheme is straightforward. Reserve your bike with a free 14-day reservation and apply for your voucher directly through your employer.

Important — read before placing your order

For faster processing, we recommend obtaining your Cycle to Work voucher before placing your order with us and submitting it right away. However, where this is not possible we also offer a free 14-day bike reservation.

Please ensure you include all charges in the voucher value requested from your employer, including any surcharges or delivery charges that are applicable, and request a voucher type that can be used at any retailer where possible.

Your order will not be dispatched until payment of all fees has been made. The voucher value cannot be used for two separate transactions, and we are unable to refund any part of the voucher value that is not utilised.

  1. Step 1. Add your bike and accessories to your basket and proceed to checkout by selecting ‘Pay With Credit/Debit Card’.

  2. Step 2. Select ‘Click & Collect’ as your delivery method to place a reservation with no immediate payment. Delivery to home or our Norfolk store is still available.

  3. Step 3. Enter your delivery address and add a note that you’re using the Cycle to Work scheme in the company section. You’ll receive a confirmation email.

  4. Step 4. Your bike is reserved for a maximum of 14 days. We are unable to accept deposits or payments in lieu.

  5. Step 5. Apply for your voucher through your employer, using your reservation order email.

  6. Step 6. Email your voucher to info@paulscycles.co.uk with a copy of your photo ID.

  7. Step 7. We’ll prepare your bike and dispatch it to your home or our Norfolk store for Click & Collect the next working day.

Run the numbers

Savings Calculator

See exactly how much you could save through the scheme

£ 1,000
£100 £15,000
£
Your Tax Band
You Pay £680
You Save £320
Monthly Cost £57

Know your band

How much you save depends on your tax band

Because you pay before tax, you save on both Income Tax and National Insurance — up to 42% for higher rate taxpayers.

Basic rate £320
Higher rate £420
Additional rate £470

Savings shown are illustrative, based on a £1,000 spend. Salary sacrifice is only available to those who pay tax through PAYE and must not take your earnings below the National Minimum Wage.

Why ride the scheme

Built to make a new bike effortless

Tax-free

A smarter way to fund your commute

Get a brand new bike and accessories through your employer, paid via salary sacrifice before tax — saving up to 42% on Income Tax and NI.

No interest

Spread the cost, interest-free

Hire your bike from your employer using monthly pre-tax salary sacrifice with no interest, then own it for a fraction of its value at the end of the hire period.

In seconds

See your savings instantly

Use our calculator to find out exactly how much you could save based on your bike price and tax band.

All included

Everything you need, in one voucher

Helmets, lights, locks, mudguards, panniers, waterproofs and more can all be added — one package for your whole commute setup.

Calculate Your Savings Browse Our Bikes →

Accepted schemes

Which Schemes Do We Support?

Please check the details of your employer’s scheme before you reserve your bike with us

GoGeta Cyclescheme My Benefits World Green Commute Initiative
0% surcharge

GoGeta Bike

Most cycle to work providers charge bike shops a hefty commission to accept their vouchers. We think that’s rubbish, so we switched to Gogeta Bike, the only provider endorsed by the cycle trade for their fair and transparent pricing. With Gogeta there are no sneaky surcharges or high ‘end of hire’ fees — just better prices and bigger savings, passed straight on to you. To get started, your employer needs to sign up; it’s quick and straightforward.

  • 0% surcharge — even on discounted items
  • No sneaky surcharges or high end-of-hire fees
  • The only provider endorsed by the cycle trade

SALE and Discounted Items

Pauls Cycles allows the purchase of sale items via the Cycle to Work scheme. A 10% surcharge applies to the voucher value for discounted items unless stated below:

  • GoGeta — 0% surcharge
  • My Benefits World — 0% surcharge
  • Cyclescheme — 0% surcharge
  • Green Commute Initiative — 5% surcharge

Halfords Cycle2Work: We no longer accept Halfords Cycle2Work vouchers for orders placed after 15th November 2025.

The detail

What’s Included & Restricted

The scheme covers bikes and most cycling accessories

Included

  • Bikes
  • Most cycling accessories

It’s best to check your employer’s specific scheme terms.

Restricted

  • Frames
  • GPS ride trackers & navigation devices
  • Bike racks for cars
  • Cameras
  • Turbo trainers or rollers
  • Gift cards
  • Nutritional products / foodstuffs
  • Power meters
  • Headphones
  • Children’s bikes

Common questions

Frequently Asked Questions

Everything you need to know about the Cycle To Work scheme

Who is eligible for the Cycle to Work scheme?

The Cycle to Work scheme is only available to those who pay tax through PAYE (Pay As You Earn). If you’re unemployed or self-employed you sadly cannot take part in the Cycle to Work scheme.

What is included in the Cycle to Work scheme?

You can use your voucher to purchase bikes and most cycling accessories. There are some restrictions under the scheme including Frames, GPS ride trackers and navigation devices, Bike racks for cars, Cameras, Turbo trainers or rollers, Gift cards, Nutritional products/foodstuffs, Power meters, Headphones, and Children’s bikes, so it’s best to check with your employer’s specific scheme terms.

Who owns the bike if bought using the Cycle to Work scheme?

The items purchased with your Cycle to Work voucher are owned by your employer and leased to you.

How long is the Cycle to Work repayment period?

The minimum term of the salary sacrifice is generally 12 months, with some schemes and employers offering 36 or 48-month options too. Be sure to check the full terms of your scheme with your employer.

What happens at the end of the Cycle to Work hire period?

You can return the bike to your employer; you immediately take ownership of your bike and pay a fee based on ‘fair market value’ set by HMRC; or you extend your hire agreement by 36 months for a single small refundable deposit (3% or 7%).

Can I sell my bike bought under the Cycle to Work scheme?

Yes, you can sell your Cycle to Work bike provided you have completed the end ownership agreement. Contact your employer to discuss your ownership transfer.

Can I buy more than one bike with my voucher?

Absolutely! However, you cannot purchase a bike on someone else’s behalf via the scheme and additional bikes must also be used for your commute. Additionally, your salary sacrifice must not take your earnings under National Minimum Wage.

My employer doesn’t have a cycle scheme, can I still apply?

If your employer does not have a scheme, speak to your HR department who will be able to set one up at no cost.

How much can I spend on the Cycle to Work scheme?

There is no price limit to the Cycle to Work scheme initiative, however, your employer may choose to set spending parameters and your salary sacrifice cannot take your earnings under the National Minimum Wage. So it’s best to check the terms of your scheme with your employer before choosing your bike.

Can I buy sale bikes using the Cycle to Work scheme?

Yes, however, please note surcharges may apply. Please see our terms and conditions or contact us.

Do I need to insure my Cycle to Work scheme bike?

You’ll still need to continue making your monthly payments for the remainder of your agreement even if your bike is stolen or damaged beyond repair. Therefore we strongly recommend insuring your bike. All of our bikes come with free 30-day insurance and exclusive discounts on annual premiums with Sundays Insurance.

Who is responsible for the maintenance of the bike?

You are responsible for maintaining the bike. All of our bikes come with a free 6-week check-up at our in-store workshop.

Let’s ride

Ready to Get Started?

  1. Choose your bike & accessories and reserve them free for 14 days at checkout
  2. Apply for your voucher through your employer’s scheme provider
  3. Email your voucher and photo ID to info@paulscycles.co.uk, then collect & ride
Browse Our Bikes Contact Us

Please read our full Terms & Conditions before placing your Cycle to Work order.