Want to save money on your weekly shop at leading supermarkets like Sainsbury's, Waitrose, M&S, and ASDA? Here's how you can use your Mintago benefits to make your grocery shopping more affordable through salary sacrifice!

How Does It Work?

1. Choose Your Monthly Amount

Open your Mintago app and select the Grocery Scheme. You decide how much you'd like to sacrifice from your monthly salary for groceries. This amount will be deducted before tax, meaning you'll save on both tax and National Insurance contributions!

Basic rate tax payer - 8%

Higer rate tax payer: 2% (we suggest you using the discounts rather)

2. Approval Process

Your employer will review your request to ensure it meets National Minimum Wage requirements.

3. One-Time Setup Fees

Once approved, you'll need to pay two small one-off charges:

- £25.90 transaction fee

- £5.40 for your physical shopping card delivery

4. Start Shopping!

Your physical card will arrive by post, ready to use at your chosen supermarket. The amount you chose will be loaded onto your card each month after pay day.

Three Key Rules to Remember:

1. Restricted Items: You can not buy tobacco with your grocery card

2. Keep Your Receipts: You'll need to upload these to the app

3. Monthly Review: Your employer will do quick checks to ensure the scheme is being used correctly (that you are not purchasing tobacco)

How Your Savings Work

- The money comes out of your salary before tax

- This reduces your taxable income

- You save on both income tax and National Insurance

- The more you earn, the more you can save!

Tips for Making the Most of Your Benefit

✨ Plan your monthly grocery budget carefully

✨ Keep all your shopping receipts - it's important!

✨ Use the card only for eligible items

✨ Consider your regular monthly grocery spend when choosing your amount

✨ Remember you're committing to 12 monthly payments

Why Choose Grocery Salary Sacrifice?

- Save money on essential shopping

- Shop at your favourite supermarkets

- Easy to use with your dedicated card

- Guaranteed monthly grocery budget

- Tax-efficient way to pay for groceries

- No need to change your shopping habits

Ready to Start Saving?

Just log into your Mintago app and head to the Grocery Scheme section. Choose your monthly amount, and you'll be saving on your weekly shop in no time!

Remember, your HR team and Mintago support are always here if you have questions. Happy shopping! 🛒

A Quick Example of Savings*

If you salary sacrifice £200 per month for groceries:

- Basic rate taxpayer could save: ~£64 per month

- Higher rate taxpayer could save: ~£84 per month

*Actual savings depend on your tax rate and personal circumstances.

Want to get started or have questions about how much you could save? Open your Mintago app today and explore the Grocery Scheme section!