Following the Government's Autumn Statement, salary sacrifice schemes for smartphones no longer attract Income Tax savings for employees. As a result of this Phonescheme is no longer available.

The good news is you can still get the latest smartphones alongside a wide range of must-have tech products through Techscheme.

Contact your employer to find out if they are already signed up to Techscheme; if they aren’t you can invite you employer to sign up here.

For more information on Techscheme, please click the 'HOW IT WORKS' tab at the top of the page.

If you previously benefitted from Phonescheme and are visiting this page because we have contacted you with your ownership options, here is all the information you need to know:


At the end of your hire period you need to make another payment to take ownership of the phone. Without this payment, HMRC would class the agreement as hire purchase (rather than hire) and the tax exemption would not be available.

Phonescheme will contact you via email once your 12 month Hire Period has ended, and at that point you will be given the following options:

Own the Phone

Pay a one-off fee to take ownership of the phone. The payment required to take ownership is just 10% of the original phone cost. You will be able to pay either via bank transfer (using the details provided in your the email) or credit/debit card by calling our Contact Centre on 0344 879 5194.

Return the Phone

Return the phone to Phonescheme at no additional cost to you.


In order to benefit from the Income Tax and National Insurance Contributions (NIC) savings, the agreement you enter into must be for the hire of the phone. If the agreement allows ownership to pass to you automatically, this will result in the agreement being classed as a hire purchase agreement, in which case the tax exemption will not be available.

To avoid the phone becoming taxable, any offer of ownership must be made as a separate transaction at the end of the hire period.