Cycle to Work Scheme

Green Commute Initiative is the industry-leading and award-winning cycle-to-work scheme with no limits. GCI’s scheme has no £1,000 limit and no scheme exit fees. You can save from 32-47% (depending on your tax rate). Pay monthly through salary sacrifice with no added interest. Salary sacrifice periods can be from 12-60 months. Get an E-bike or conventional cycle through GCI and help reduce congestion and pollution whilst improving your health, fitness and mental wellbeing.


Tax is complicated, Cyclescheme isn’t.

You choose a bike, hire it for an agreed length of time, and then snap it up for a fraction of its original value. All while making huge savings (at least 25%!) and spreading the cost. Join Cyclescheme today in 4 simple steps.

1. Choose your Cyclescheme package
Get the gear that suits your commute. Go for a bike, a bike and accessories, or just accessories – it’s your choice.

With Cyclescheme, you can shop online or in-store at over 2,000 Cyclescheme retailers; from local independents to the big name retailers. Choose from all your favourite brands, and put together your perfect commuter package up to the value of £1,000. Don’t forget – with Cyclescheme you can shop from sale at our partner retailers, and make your money go even further.

2. Submit your application
Once you’ve found your ideal commuter package, head to Cyclescheme and submit your request. You’ll need your unique employer code and the details of what you would like to hand. These will be sent to your employer for approval, and once approved you’ll receive your Cyclescheme certificate and Hire Agreement direct to your inbox.

Your employer code is: XXXX
Or use this link:

3. Get your Cyclescheme package
It’s time to trade your certificate for your Cyclescheme package. Take your certificate your chosen retailer and pick up your gear, or, if shopping online, redeem the certificate at checkout and take advantage of home delivery or click and collect.

This is when your Hire Agreement kicks in and you start making impressive tax savings (at least 25%!). For the next 12 months, you’ll pay a fixed amount from your salary every time you’re paid. This is taken from your pre-tax salary and reduces the amount of Income Tax and National Insurance you pay resulting in great savings. For standard rate payers this is 25%, or for higher rate 42%.

4. Transfer Ownership
After 12 months, we transfer ownership to you for a small one-off fee. If your Cyclescheme package was under £500 you’ll pay just 3% of the original value, or for packages over £500 you’ll pay just 7%. So if you had a package worth £1,000 you’ll pay just £70. And that’s all you need to do!

For the next 36 months, your Cyclescheme package will remain ‘hired’ with no more payday payments to make. At the end of this time, ownership of your package will automatically transfer to you.

Cyclescheme FAQs

How much will I save with Cyclescheme?
At least 25% - all in! If you’re a higher rate taxpayer, you’ll save at least 35%.

What can I get through Cyclescheme?
Almost any item you need to cycle to work including lights, locks, helmet and clothing. Go for a bike, a bike and accessories, or just accessories – it’s your choice.

What is a Hire Agreement?
It’s an agreement between you and your employer. This details what you’re hiring, for how long and with what repayments.

How is my salary sacrifice calculated?
This depends on how you get paid – weekly, monthly, 4 weekly, etc. Also, how long your Hire Agreement is in place for. For most people, this is 12 equal payments taken from your salary across 12 months.

What is a Cyclescheme eCertificate?
A voucher that’s delivered direct to your inbox. Redeem this online or in-store for your Cyclescheme package.

Why don’t I own the bike straight away?
Simple answer: tax. To benefit from Income Tax and National Insurance savings, an ‘Ownership Fee’ needs to be paid.

How is the Ownership Fee calculated?
The Ownership Fee is a set percentage based on the age and value of your Cyclescheme package. At 4 years old, 3% needs to be paid on packages less than £500 and only 7% on packages over £500.