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    Tax Free Childcare
    March 26th, 2014

    There has been a need to increase the support for childcare costs in the UK for sometime and Childcare voucher providers have been lobbying for maximum voucher values to be increase for several years.
    However to change a complete scheme when there is a perfectly good scheme in place with robust and tested systems is worrying, dare I say madness!


    Childcare vouchers for years have offered employees a simple solution to generate savings, and also a way for employers to support their employees whilst generating valued NI savings. A saving that enables employers to offer other important employee benefits.


    Yes, many parents will be better off on the new scheme, however many also will be worse off and better sticking to the current employer supported childcare vouchers.
    Having read the documents released by the Government, the new Tax Free Childcare Scheme does not sound as simple as 'parents put money in' and the Government 'top it up'. It is a very complex scheme which is going to require very sophisticated systems which will come at a significant cost. A huge investment for the Tax payer.


    The Government has opted not to use existing providers that have a wealth of knowledge and experience of the market but will be using NS&I, an organisation that has no experience in delivering such a scheme, this itself could potentially have disastrous consequences. A closed market with no competition will not drive service levels up as in the current industry.


    The Government could have achieved the same goal by keeping the existing childcare voucher scheme and increasing the maximum voucher value, implementing childcare vouchers as mandatory benefit to be offered by employers and opening the scheme up to self employed. Therefore no requirement for a new scheme, new and untested systems and huge investment.

    Our message to parents is to apply for the childcare vouchers now while you have the opportunity to do so and then in autumn 2015 decide on which scheme is better for them and switch if necessary.

    Government to Introduce new Tax Free Childcare Scheme from Autumn 2015
    March 18th, 2014

    Important Information – Childcare Vouchers and Tax-Free Childcare Scheme

    We are writing to inform our clients of the announcement made today by the Government regarding the new Tax-Free Childcare Scheme following last years consultation. The Government has announced that Tax-free Childcare will be introduced in autumn 2015 and will replace the existing employer supported childcare (childcare vouchers). The Government has decided that HM Revenue & Customs (HMRC) will deliver Tax-Free Childcare in partnership with National Savings and Investments (NS&I) rather than by existing childcare voucher providers. Many parents will receive greater savings by participating in the Tax-Free Childcare Scheme, including the self-employed. However some parents are better off under the existing childcare voucher scheme. Employers can continue to offer childcare vouchers to employees however will be closed to new entrants when Tax-Free Childcare is introduced in autumn 2015, when existing childcare voucher members will be able to choose whether to remain in the childcare vouchers scheme or move to the new Tax-Free Childcare Scheme. Employees will be able to remain in the existing scheme for as long as their employers continue to run a scheme.

    If an employee move’s to a new employer after autumn 2015 they will be considered to have left the existing childcare voucher scheme and will only have the option of joining the new Tax-Free Childcare scheme. The new scheme provides all eligible parents with a government top-up of 20p for every 80p parents pay towards their childcare costs, up to a maximum of £10,000, saving up to a maximum of £2,000 per child, per year.

    In order to qualify for the new Tax-Free childcare scheme;
    1. children must be under the age of 12. Disabled children must be under the age of 17;
    2. bothparents (or lone parent)must be in paid work;
    3. both parent (or a lone parent) must not be in receipt of any support through tax credits, Universal Credit or Employer-Supported Childcare; and
    4. neitherparent (or a lone parent) is an additional ratetaxpayer.

    The Government is keen and will encourage employers to continue to be involved with Tax-Free Childcare. Employers can act as a source of information to employees or they can be more closely involved, making payments into employee’s account. The new Tax-Free Childcare Scheme will not provide any National Insurance savings. For some employers this will be a significant loss. For more information please see the full Governments response to the consultation on the below link.

    https://www.gov.uk/government/consultations/tax-free-childcare

    Apple are pleased to welcome Autism Care UK
    September 4th, 2013

    Apple Childcare Vouchers would like to welcome Autism Care UK. Apple Childcare Vouchers are delighted Autism Care UK selected us as their chosen childcare voucher provider. We look forward to working with Autism Care UK and their employees. 

    Newcastle Rugby select Apple Childcare Vouchers
    July 5th, 2013

    Apple are delighted to welcome Newcastle Rugby. We look forward to working with the team at Newcastle Rugby and their employees.

    The Manufacturing Technology Centre join Apple Childcare Vouchers
    May 31st, 2013

    Apple are pleased to announce that The Manufacturing Technology Centre will be joining Apple Childcare Vouchers.

    We look forward to working them and their employees.

    Changes to tax free childcare - Will you be better off OR NOT?
    March 22nd, 2013

    On Wednesday 20th March the Government announced through ‘The Budget’ a new scheme for tax-free childcare for working families. The new scheme is to be introduced from Autumn 2015 and according to The Government will be opened to 1.3 million families with children up to the age of 5 initially and up to 2.5 million families with children up to the age of 12 eventually over a period of time, compared to the existing employer supported childcare voucher scheme used by just ½ million families.

    The new scheme has the advantage of being available to more parents, since it is available to all working families rather than offered by the employer to the employee as an employee benefit. The new scheme also includes the welcomed addition of self-employed parents, which enable a whole new market segment to make use of a scheme. However, if you are a two-parent household where only one parent works you will not be entitled to join the scheme. This is really tough for parents in this bracket where often there is more than one child and in this situation childcare is needed albeit to a lesser extent. For this sector, the decision for one parent not to go back to work is often due to the crippling childcare costs involved and it is a real struggle managing on the one income. For parents whose children are over 5 years the new scheme does not help them with the costs of wraparound childcare before and after school and at school holidays, until the scheme is extended for up to 12 year olds.  For these two groups of people where there is no entitlement whatsoever with the new scheme, the current employer supported scheme offers them up to £78 per month saving and is available for both employers and employees to join until Autumn 2015.  Once joined, employees can make the most of the savings up until their child is 15 years old. The essence of the new scheme is that it will enable households where both parents are working to save up to £1,200 per child (20% of their childcare fees up to £6,000 per year per child). How will this affect you? Apple Childcare Vouchers have designed a chart to help parents clarify how the two childcare voucher schemes translate for their own situation.  See below: Proposed New Scheme Vs Existing Employer Supported Scheme annual savings

                                                                                                                       New Childcare Scheme Annual Saving                   Existing Childcare Scheme  Single Parent family working 
    (standard tax rate)                                                                                   Up to £1,200 per child                                                  Up to £933 

    Two parent family with one parent working
    (standard rate of tax)                                                                               £0                                                                                     Up to £933

    Two parent family with both parents working 
    (standard rate of tax)                                                                               Up to £1,200 per child                                                  Up to £1,866

    Single Parent Family working
    (higher rate tax)                                                                                        Up to £1,200 per child                                                  Up to £623

    Two Parent Family with one parent working
    (higher rate tax)                                                                                        £0                                                                                     Up to £623

    Two Parent Family with both parents working
    (higher rate tax)                                                                                        Up to £1,200 per child                                                  Up to £1,246

     

    New Scheme Implementation

    It is believed that the new scheme will allow parents to choose their own childcare voucher provider to manage their individual account. However, there is much detail still to be confirmed.

    • It is important that companies and parents are encouraged to join the existing employer supported scheme to make the most of the savings currently available.

    • Parents will be able to switch to the new scheme in 2015.

    • After the new scheme has launched parents can only join the new scheme.

    Marcus Barrow, Managing Director of Apple Childcare Vouchers stated "The move by The Government to open up childcare vouchers to self-employed individuals and to remove the necessity for schemes to be employer provided will enable far more parents to benefit from significant savings. However, the existing scheme allows parents to pay for childcare fees up to the age of 15 years; the new scheme is only available for children up to the age of 5 years initially. Another requirement is both parents have to be working, which adds pressure to stay at home mums and dads who seem to be the biggest losers with this announcement. The good news is that if parents aren’t eligible for the new scheme but are for the existing vouchers they can continue to join the existing scheme up until Autumn 2015 and continue to claim vouchers in this way making significant tax and NI’ savings.”

    “In my opinion The Government could have made some small changes to the existing employer supported scheme that would have had a similar impact. The existing scheme’s maximum tax free voucher value could have been increased from £55 per week to £75 per week, it could have been opened to self-employed and the scheme could have been made a compulsory benefit for employers over a certain size, like pensions. This would have removed the need for a new scheme to be designed, developed and implemented.” 

    “There is plenty of time before the new scheme launches and during this period Apple Childcare Vouchers will continue to offer a quality service to its clients, parents and childcare providers.

    “Apple Childcare Vouchers will ensure their fully automated systems are developed in line with the new scheme requirements to enable current and new parents to use our simple and highly effective platform.”

    Government announce changes to childcare vouchers
    March 20th, 2013

    The Government has announced the childcare voucher scheme will change in Autumn 2015. The new scheme will gradually phase out the existing childcare voucher scheme operated via parents employers, however employees can continue to join the existing scheme until the new scheme is launched in 2015. If an employees is in the current exisiting scheme when the new scheme launches the employee can choose to stay in the exisiting scheme or transfer to the new scheme.

    Please see attached link for further information from the HM Treasury website.

    Jardine Lloyd Thompson transfer to Apple
    February 26th, 2013

    Apple are delighted to announce that Jardine Lloyd Thompson will be transferring their childcare voucher scheme from April.

    We look forward to welcoming their employees to the our scheme and we look forward to developing our relationship with JLT.

    Apple Childcare Vouchers selected by Dumfries & Galloway Housing Partnership
    Jan 1st, 2013

    Apple are delighted to start the New Year by being selected as the childcare voucher provider for Dumfries and Galloway Housing Partnership.

    We look forward to a successful relationship with Dumfries and Galloway and their employees.

    East Kent College transfer to Apple Childcare Vouchers
    September 14th, 2012

    Apple Childcare Vouchers have been successful in gaining the transfer of East Kent College's childcare voucher scheme. Apple are delighted to be transferring the scheme which will start in October 2012.

    Apple look forward to working with the team at East Kent College and their employees.

    East Kent College

    A big welcome to Oxford PharmaGenesis Ltd
    August 17th, 2012

    Apple are delighted to welcome Oxford PharmaGenesis Ltd to the scheme.

    We look forward to working with the team at Oxford PharamaGenesis and their employees.

    Oxford PharmaGenesis Ltd

    Harton Technology College make the switch to Apple
    July 19th, 2012

    Apple can confirm that Harton Technology College has decided to transfer to Apple Childcare Vouchers.

    The news of this success further bulsters Apple's presence in the Education Sector.

    The transfer will take place in July to start from employees August salaries.

    Apple are looking forward to working with Harton Techology College and their employees.

     

     

    Harton Technology College

    Avanta select Apple
    July 18th, 2012

    Apple are delighted to have been chosen to transfer the childcare voucher scheme for Avanta.

    We look forward to working with Avanta and all employees.

    Avanta  Enterprise Limited

    Wyggeston and Queen Elizabeth 1 College transfer to Apple
    April 25th, 2012

    Apple Childcare Vouchers continue their growth in the Education Sector with news that Wyggeston and Queen Elizabeth 1 College will be transferring to Apple in April 2012.

    Apple looks forward to transferring the scheme and working with College and their employees.

    Wyggeston and Queen Elizabeth 1 College

    KCOM transfer to Apple Childcare Vouchers
    February 24th, 2012

    Apple Childcare Vouchers are appointed to transfer the KCOM Group Childcare Vouchers Scheme.

    This is fantastic news for Apple and we are delighted to have been appointed. The transfer will take place throughout March 2012 to start from April 2012 salaries.

    Apple looks forward to working with KCOM and their employees.

    KCOM Group

    VAT and Childcare Vouchers
    January 11th, 2012

    Astra Zeneca operated a flexible remuneration package scheme under which employees could opt to take part of their remuneration in the form of goods and/or services rather than as salary. The case before the Court of Justice of the European Union (CJEU) concerned the correct VAT treatment of high street shopping vouchers provided to employees as one of the options of the scheme.

    The Court found that the provision of vouchers amounted to a supply of services effected for consideration. As a consequence, whilst Astra Zeneca was able to recover VAT incurred on acquiring the vouchers, output tax was due on the consideration received from its employees.

    Although this case was concerned with the supply of vouchers to employees, the principles considered by the Court are of general application and will apply to other supplies of goods and services to employees.

    Childcare vouchers are not directly affected by the judgment as they are not subject to VAT.

    However, employers that incur administrative fees from their voucher provider have, to date, been permitted to recover VAT on those fees as a general business overhead. However, because the fees are directly attributable to the exempt supply of vouchers the normal partial exemption rules must be applied with the result that the VAT incurred may no longer be fully recoverable.

    Affected businesses should apply this treatment from 1 January 2012.

    Apple Childcare Vouchers are not financial advisors and therefore we recommend that our clients seek futher professional advice.

    York & North Yorkshire Probation Trust
    March 31st, 2011

    Apple Childcare Vouchers are delighted to announce that York & North Yorkshire are transfering their childcare voucher scheme to Apple. Employees will continue to use their current provider throughout March and April with the Apple Childcare Voucher scheme going live in May 2011.

    Apple look forward to working with York & North Yorkshire Probation Trust and their employees.

    York & North Yorkshire Probation Trust

    West Yorkshire Probation Trust
    March 31st, 2011

    Apple Childcare Vouchers are delighted to announce that West Yorkshire Probation Trust are transfering their childcare voucher scheme to Apple. Employees will continue to use their current provider throughout March and April with the Apple Childcare Voucher scheme going live in May 2011.

    Apple look forward to working with West Yorkshire Probation Trust and their employees.

    West Yorkshire Probation Trust

    Oldham Community Leisure select Apple Childcare Vouchers
    March 30th, 2011

    Oldham Community Leisure has selected Apple Childcare Vouchers as their provider. The scheme will be advertised throughout April and employees will be eligible to join from their May salaries. Apple are delighted to welcome Oldham Community Leisure to our scheme and we look forward to working with their employees.

    Oldham Community Leisure

    Childcare Vouchers Changes - April 2011
    February 24th, 2011

    The rules around childcare vouchers will be changing on the 6th April 2011.

    Please see the attached document for further information

    Edge Hill University transfer to Apple Childcare Vouchers
    February 24th, 2011

    Apple Childcare Vouchers are delighted to announce that Edge Hill University will be transfering to Apple Childcare Vouchers. The transfer will take place throughout February and March and employees will be able to enjoy Apple Childcare Vouchers from their March salary.

    This is fantastic news for Apple as we continue to go from strength to strength in the Education sector following recent transfers of The University of Huddersfield, The University of Chester, Stoke on trent College and The Sheffield College.

    Apple look forward to the transfer process and working with Edge Hill University and their employees.

    Edge Hill University

    Cosmopolitan Hotels appoint Apple Childcare Vouchers
    February 7th, 2011

    Apple Childcare Vouchers are delighted to welcome Cosmopolitan Hotels to the growing Apple client portfolio. Cosmopolitan Hotels will start offering the scheme to their employees from April 2011.

    Apple look forward to working with Cosmopolitan Hotels and their employees.

    Cosmopolitan Hotels

    Heythrop College choose Apple
    January 12th, 2011

    Heythrop College have chosen Apple Childcare Vouchers to provider their employees with the valued benefit. Apple Childcare Vouchers will start immediately and employees will be able to select the benefit to start from their February 2011 salary.

    Apple Childcare Vouchers look forward to working with Heythrop College and their employees.

    Heythrop College

    apple childcare vouchers winter 2010 newsletter
    November 26th, 2010

    It only seems like last week when I sat down to write the Spring 2010 newletter and here I find myself writing the winter edition. The summer has been and gone in a flash! I do hope you all have had enjoyable summers, whether on holidays or just enjoying the Bristish summer weather!.....

    Carole Nash Insurance Consultants select Apple
    Novemeber 17th, 2010

    Apple Childcare Vouchers are delighted to announce that Carole Nash Insurance Consultants have selected Apple as their Childcare Voucher Provider. The scheme is due to start in the New year and Apple Childcare Vouchers look forward to working with Carole Nash and thier employees.

    Carole Nash Insurance Consultants

    Sheffield College switch to Apple
    23 September, 2010

    Apple Childcare Vouchers are delighted to announce that The Sheffield College has transferred its childcare voucher scheme to Apple Childcare Vouchers. The scheme will go live in November and Apple look forward to working with The College and welcoming employees to the scheme.

    Sheffield College

    University of Chester transfer to Apple
    30 July, 2010

    Apple Childcare Vouchers are pleased to announce that the University of Chester have chosen Apple Childcare Vouchers as its new provider. We will be transferring the scheme thoughout August with the scheme to go live in September 2010.

    Apple are delighted to welcome the University of Chester to our ever growing client portfolio in the education sector and look forward to working with the University and their employees.

    University of Chester

    Kingspan Limited join the Apple Family
    July 27th, 2010

    Kingspan Limited have transferred their childcare voucher scheme to Apple Childcare Vouchers. Kingspan Limited are the third Company that have transferred to Apple from the Kingspan Group. Apple Childcare Vouchers looks forward to working with Kingspan Limited and their employees.

    Kingspan Insulations transfer to Apple
    May 20th, 2010

    Kingspan Insulations have followed Kingspan Ltd in making the switch to Apple Childcare Vouchers. Kingspan Insulations are transferring all of their existing users to Apple to start in July 2010. This is another great account for Apple and we look forward to working with Kingspan Insulations and their employees.

    apple childcare vouchers spring newsletter
    May 12th, 2010

    Welcome to the second edition of the Apple Childcare Vouchers Newsletter. It has been eight months since our last newsletter was published and to be quite honest, I do not know where the time has gone!...

    Apple welcomes Egger UK to Apple Childcare Vouchers
    March 16th, 2010

    Apple Childare Vouchers are pleased to announce that Egger UK have selected Apple Childcare Vouchers are their new provider of childcare vouchers. Apple look forward to working with Egger UK and their employees.

    University of Huddersfield transfer to Apple Childcare Vouchers
    March 4th, 2010

    Apple Childcare Vouchers are delighted to announce that the University of Huddersfield will be transferring their existing scheme to Apple. The scheme will go live in April 2010. Apple are looking forward to working with the University and welcoming their employees to the Apple Childcare Voucher scheme.

    Marcus Barrow, Managing Director at Apple Childcare Vouchers states, "this is a big moment for Apple, we have been working hard to break into the education sector and we are delighted that the University of Huddersfield is our first major client within this sector. We are looking forward to the transfer process, providing a quality service and building relationships within the University and their employees".

     

    University of Huddersfield

    Equifax transfers to Apple Childcare Vouchers
    February 17th, 2010

    Apple Childcare Vouchers are pleased to announce that Equifax will be transferring their childcare vouchers scheme to Apple Childcare Vouchers with effect from April 2010. Apple Childcare Vouchers look forward to working with Equifax and their employees.

    Kingspan Ltd choose Apple
    January 28th, 2010

    Kingspan Ltd have elected Apple Childcare Vouchers to administer their scheme to commence in March 2010. Apple Childcare Vouchers are delighted to welcome Kingspan Ltd and look forward to providing their vouchers.

    Honda of the UK Manufacturing select Apple Childcare Vouchers
    January 15th, 2010

    Apple are delighted to announce that Honda of the UK Manufacturing have decided to transfer their existing scheme to Apple Childcare Vouchers. The transfer will see over 100 employees transfer from Honda's existing provider to Apple Childcare Vouchers and will start in April 2010. Appl are looking forward to working with Honda and their employees.

    Prime minister fails to convince the industry on changes to childcare voucher tax breaks - HR Magazine
    October 21st, 2009

    The prime minister has denied the Government will scrap childcare vouchers and has maintained the tax credits low and middle-income parents will receive are better than the tax efficiencies on childcare vouchers.

    But Gordon Brown confirmed the Treasury would be phasing out tax and National Insurance efficiencies on the perk.Responding to a petition from working parents campaigning for childcare vouchers not to lose their tax efficiencies, which was suggested by the prime minister in his speech at the Labour Party Conference, Brown said: "I can see that childcare vouchers are a big concern to many of you, so let me take this opportunity to clear a few things up.

    apple childcare vouchers summer newsletter
    August 28th, 2009

    Welcome to the first edition of the Apple Childcare Vouchers Newsletter. I take great please in writing this first edition to inform you, our valued clients, parents and carers, of our news and achievements over the past 12 months...

    Online system aims to make vouchers easier - nursery world
    February 26, 2009

    The founder of nursery group Kidsunlimited has launched a childcare vouchers company with cutting-edge online features...

    nursery duo in voucher venture - manchester evening news
    February 16, 2009

    CHILDCARE entrepreneurs Stewart and Jean Pickering have returned to the sector after selling their chain of nurseries...

    Bearing Fruit - Moderngov
    Jan 09

    GovNet Communications Welfare to Work 08 Conference, held this December at the Business Design Centre in London, saw the launch of a new childcare vouchers scheme that could lead to working parents saving up to £1,196 per annum...