Frequently asked questions

Need to know something quickly? Feel free to browse our frequently asked questions section. For more detailed information you can get in touch via our contact forms or simply give us a call on the details at the bottom of the page.


What methods of payment are there?

Faster Payments Service (FPS) – This is a United Kingdom banking initiative to reduce payment times between different banks’ customer accounts from three working days using the long-established BACS system, to near real time. Assuming funds are received prior to 1600hrs the transaction will be made that day.

BACS – Payments are made using the BACS system (only if your bank does not support FPS). BACS payments take three working days to clear; they are entered into the system on the first day, processed on the second day, and cleared on the third day.

CHAPS – already provides limited faster-than-BACS service (by close of business that day) for ‘high value’ transactions, while FPS is focussed on the much larger number of payments of any size up to £10,000. However CHAPS has an earlier cut-off time so we require funds from the Agency by midday to ensure transaction can be carried out that day.

What is IR35?

IR35 came into force in 2000 as HMRC sought to claw back tax from what it deemed ‘disguised employees’ – i.e. workers that HMRC deemed to be full-time employees of a given company who use limited company structures to boost their take home pay due to the lesser tax and NI contributions that limited companies attract.

Is Accessa’s solution affected by IR35?

No, the structure of Accessa solution means that IR35 is no longer an issue. When you become an employee IR35 no longer applies, so you can take home the maximum of your gross contract value without any fear of reprisals from HMRC.

If I’m deemed to be within IR35 and I use an umbrella company, will HMRC penalise me?

If you are using a non PAYE umbrella company and HMRC gets wind of it, you could be liable for some very hefty penalties including interest payments on the tax that HMRC has deemed you owe.

Will I have to obtain any insurances to work through Accessa?

No. All the insurances you need are included as part of the package* – we provide insurance from Royal Sun Alliance which provides the following levels of cover:

Professional Indemnity: £2,000,000
Employers Liability: £10,000,000
Public Liability: £2,000,000

*Some exclusions may apply and will be discussed as part of our on-boarding process.

What if I want to leave Accessa?

No problem. You’re free to leave at anytime with no obligation.

I have a friend who’d like to join Accessa. Do you operate a referrals scheme?

Accessa offers a generous referral bonus so give us a call or send us an email for full details and how to refer.

What are your opening hours?

We’re open Monday to Friday, 9am to 5pm.

Once I’ve joined Accessa, how often will I get paid?

It’s simple. The day Accessa get paid, you get paid!

Will I still be able to claim expenses as an Accessa employee?

Yes, you’ll be able to claim qualifying expenses authorised by the end client if you wish. However, unlike other umbrella solutions, our model does not depend on you claiming expenses.

If I have queries about my pay, will I have to call a call centre?

No. We don’t operate call centres. In our experience individuals prefer to speak to an HR team member who knows and understands their exact contract and circumstances. When you become an Accessa employee, you’ll have access to an HR team member to whom you can speak at any time throughout the cycle of your contract.

Onshore Employment Intermediaries (Agencies) and False Self Employment (since 6 April 2014) – Why All the Fuss?

HMRC introduced measures to address possible occurence of tax avoidance where agencies create contracts to engage workers using contract terms that might be interpreted as disguised self-employment contracts.

The new measures are aimed at preventing employment intermediaries (agencies) being used to avoid taxes and obligations by disguising employment as self-employment.

Agency workers are generally treated as employees for tax under the Agency Legislation unless they are engaged to work via their own personal service companies or PSC (so that’s your Limited Company option, as opposed to Umbrella). To avoid both the Agency Legislation and the need to use a PSC, agencies have created carefully constructed contracts of self-employment, which means that they do not have an obligaiton to deduct PAYE and the worker is effectively paid gross.

When the worker is considered self-employed, they can claim tax relief on their expenses, so the arrangement provides ‘benefits’ to all parties, well in theory anyway.

In summary, HMRC’s concern is that agency contracts create false self-employment, which avoids tax and NICs.

How does Accessa’s umbrella solution work?

  • You will become a PAYE based employee of an Umbrella, so you get employee rights (like Statutory Sick Pay and Statutory Maternity Pay)
  • That also helps to protect you against other disguised employment legislation such as IR35
  • The Umbrella’s expertise can help you make more effective use of your tax allowances
  • As your pay is not driven by elements typical of ‘false self-employment’ contracts (i.e. expenses), you might interpret that as being an added layer of surety
  • The Umbrella is a registered UK employer and completes daily electronic reporting with HMRC – as required of all large employers
  • This is why an up-to-date Tax Code is important (standard for 2014-15 being 1000L, that’s your £10,000 personal allowance)
  • All the Tax and NI is paid over to HMRC, guaranteed

Need more info on any of the above? For anything that isn’t answered here, please Email us at or call the Accessa team on 0207 138 2770, at any time.