FAQ

To complete your employment registration with us, we require:

• Tax documents – a P45 from your previous employer (dated from 6th April) or a “starter checklist” if you do not have one. Starter Checklists can be created online and sent to adminteam@morwages.com.
• Bank Details – Account Number, Sort Code and Bank Name.
• Employment Contract – You can either accept this electronically via our online portal or by replying “Accept” to the email we have sent you. If you need your portal login reactivating, please email us.
• Proof of address – We will request one proof of address document. Examples are Driving Licence, Council Tax Bill or Mortgage Statement (less than 12 months old), Utility Bill or Bank Statement (within the last 3 months).
• Right to Work in the UK – generally we will be provided with this by your agency. If we need to collect documents from you, we will request these in line with the requirements set out by the UK Border Agency and Home Office.

Upon registering with us, you will receive an email contract in addition to a link to the Mor Wages portal where you can log on to accept the terms.

The contract will appear on the first page after logging in until it has been accepted, at which point it will be stored under the “Payslips” tab.

We require your contract to be accepted in order to process any payment to you.

The Agency Income is the amount that you have agreed with your agency that they will pay to us for the work you carry out.

It is not the rate that you will be paid and is usually higher than the rate of pay you would receive if your agency paid you directly.

This rate uplift is in order to cover the deductions we have to account for – Company Margin and Employers National Insurance Contributions – which need to be taken out of this before we pay the remainder to you as wages. Holiday pay is also included in the Agency Income.

Our administration fee, or “Company Margin”, remains one of the lowest in the Umbrella Payroll industry at a flat rate of £11.99 from your assignment timesheet per week.

This is taken out before your tax and National Insurance is deducted, therefore meaning you have a lower net cost for those deductions to be made against.

A gross income below £120 per timesheet will be at a flat rate charge of £6.99.

There are many benefits to our service beyond administering your pay, including:

• All associated income taxes and National Insurance contributions being handled on your behalf.
• Your right to statutory employment benefits such as Sick Pay and Parental Leave Pay.
• Employee insurance – protecting you whilst you carry out your assignments.

For more information on the benefits of being one of our employees, please take a look at our website.

Employers National Insurance (or NIErs) is a statutory tax payment (used primarily to fund state benefits) that all employers must pay to HMRC for all income paid to an employee over a certain amount (£96 per week in the 2026/27 tax year).

As stated above, this payment will be made by us, where applicable, from within the amount we receive from your Agency for your assignment.

This is relevant to all employees, regardless of their age or personal NI status.

Your holiday pay is included in the amount your Agency pays to us from your assignment.

We calculate holiday pay against statutory minimum wage rates at the equivalent of 28 days per year (including Bank and Public Holidays) for the hours you work. For day rates we convert your daily income to 7.5 hours.

By default, we retain your accrued holiday pay to be paid to you when you take a break from your assignment.

If you would like to request any holiday pay you need to call or email us. We also have the facility to pay you your holiday pay as you earn it, so please contact us if this is your preference.

The Apprenticeship Levy is a financial levy placed on UK employers by the government in order to fund new apprenticeships.

The government is committed to boosting productivity by investing in human capital. As part of this, the government is committed to developing vocational skills and increasing the quantity and quality of apprenticeships.

Mor Wages must contribute 0.5% of all its payroll to the Apprenticeship Levy. This means that a deduction for this cost must be made from the income that your Agency pays to Mor Wages for the work that you carry out for them.

This will be shown on your payslip as a deduction from our company receipts before your Gross Pay is calculated.

Our weekly payment runs are on a Friday. We process payments on a Thursday morning to reach your account by midday on Friday but please be aware, depending on your bank it can take up to 6pm for payments to reach your account.

You will only receive payment if you have completed your registration with us and your agency has made a payment to us for work you have carried out.

We will pay you on the same date as we receive the money from your agency.

All timesheets must be submitted through your agency and will be processed in accordance with their payroll schedules.

Please direct any timesheet queries you may have towards the agency.

All of your payslips are uploaded to your online Mor Wages Portal overnight after payment.

If you would like your payslips emailed to you, please contact a member of the Administration Team.

Payments can take until 6pm to clear in your bank, so if it is before this time then your payment may still be on its way to you.

If this time has passed and you still haven’t received your payment, we will be able to confirm whether we have received an instruction from your Agency to pay you.

We will not make any payments to you until your Agency has validated your work has been carried out and they have made the payment to us for that work. If this is the reason for the delay then we recommend you discuss this directly with your agency.

Other delays may result if you have not completed all the steps required to register as an employee with us.

Mor Wages does not send payment notifications.

If you would like to double check that you are down for payment, we will have the required information on the day before you expect to be paid.

This is generally the day that agencies make their payment to us and unfortunately we are unable to pay you until we have received your income from the agency.

We make payments to you on the same day we receive them from your agency.

If you know that your timesheets have been authorised and you require urgent payment, we may be able to issue an advance of up to 50% of the Agency Income up to £1000 if we receive confirmation from your Agency that your work has been completed.

We only process advances on a Monday with the latest request being at 4pm to be received that day.

We offer 2 free of charge advances, the next 3 will be charged at £10 each, and any further requests will be charged at £20 each.

You will need to contact HMRC to find out if you are due a tax rebate.

Once this is confirmed with HMRC they will issue any funds that are due to be returned to us. Any overpayment of tax will be paid into your wages.

When you sign up with Mor Wages your P45 will tell us what your tax code will be on.

If you think this is incorrect, please contact HMRC and they assess your tax code and change it accordingly if necessary.

If we haven’t issued you a P45 before the end of the tax year – 5th April – and you are still live on the system, then you will be issued your P60.

This is uploaded straight to your Online Mor Wages Portal and can be found under the ‘Payslips’ tab.

We receive your tax code from either of the tax documents you have provided to us. Once the first payment is made to you this information is sent to HMRC, informing them we are now your employer.

HMRC will assess the tax code you are using whilst in our employment and change it if necessary.

Your tax code can be changed for a number of reasons and we would always advise you to call them to discuss this change.

HMRC: 0300 200 3300

If you have not been paid by us for 8 weeks and have no contracts pending or retained holiday pay outstanding, we will automatically issue a P45 to you.

Alternatively, if you have had your final payment and would like your P45, please let us know.

You can request an advance through your agency. Once they have assessed your timesheets, they will then notify us to pay the advance to you.

We can advance up to 50% of the Agency Income up to £1000 once we receive confirmation from your Agency that your work has been completed.

We only process advances on a Monday with the latest request being at 4pm to be received that day.

We offer 2 free of charge advances, the next 3 will be charged at £10 each, and any further requests will be charged at £20 each.

Following the change in the Legislation in April 2016, contractors are no longer able to claim for travel and/or subsistence expenses whilst carrying out an employed position.

You are still able to claim other expenses as long as they are wholly, exclusively and necessarily incurred in carrying out your assignment. For more information, please contact a member of the team and request our Expenses Policy.

You may be able to agree for certain agency expenses to be paid by the placement that you are working at. This will need to be agreed between your agency and the client you are working for.

They will be paid to you on top of the income we receive from your Agency and therefore not subject to Tax and National Insurance deductions.

As an Employee, you have rights such as sick pay and maternity pay.

To make a claim for these, please contact a member of the team or view our employee handbook which is located in the employee contract on your portal.

More information can also be found on the government website.

All workers are automatically enrolled into our pension scheme.

From the first payment made to you, there is a deferral date of 3 months. Once this date has passed the pension contributions will be taken and you will then have one month to opt out if you choose to do so.

Our pension provider is NEST pensions. You will be able to find more information regarding pensions when your first letter is sent after your first payment is made.

In order to change your personal details, we require proof in order to protect you against fraud.

To change your bank details, please provide us with a document from the bank or a photograph of your new bank card.

To change your home address, please provide us with a new Proof of Address Document. This can be one of the following:

• UK / EU Driving Licence – Photo Card or full “old style” paper licence (UK only)
• Council Tax Bill / Letter – less than 12 months old
• Utility Bill – less than 6 months old
• Bank / Building Society or Credit Card Statement – less than 6 months old
• Mortgage Statement – less than 12 months old
• HMRC Correspondence – less than 6 months old or in the current tax year
• Documentation from the benefits agency – must include either NI Number or DOB and be valid / in date
• Current Local Council or Housing Association Tenancy Agreement