The smart way to buy and save on home and tech

Home & Tech allows you to choose from a huge range of home & tech via Currys and IKEA. 

You then spread the cost from your salary across 12 payments and save on your National Insurance Contributions (NIC’s).

Once your employer has shared their unique web link with you. Placing an order is as easy as 1,2,3.

1. Apply – Visit bhnextras.co.uk  and enter your employer.
2. Choose – Select Home and Tech benefit > Get Started, select your Retailers and enter the total amount and products you wish to purchase, this can be for multiple retailers.
3. Shop – Home & Tech sends you retailer security code(s) and a link to validate your email address and you receive the collection pass(s) to use online or in-store at your chosen retailer.

Salary sacrifice occurs when you agree to give up part of your salary for an agreed period of time in exchange for a non-cash benefit, such as the supply of home and tech equipment. As salary sacrifice is taken from gross salary (before tax) rather than net pay, you will not initially pay any tax or National Insurance on the salary sacrifice amount.

However, the provision of the equipment is a taxable Benefit In Kind (BIK) that needs to be reported to HMRC. Employers can report the BIK in two ways: 

1. On a P11D benefits form at the end of the tax year. A P11D form is used by employers to report any employee expenses, Payments and Benefits to HMRC, e.g. technology equipment, company car and private health insurance. Therefore, HMRC will recover the tax due, in arrears, via a change in your tax code the following tax year (April 6 ^th – April 5^th), you may still benefit from an NIC saving; up to 8% for basic rate taxpayers and 2% for higher rate taxpayers.  

2. Payrolling of Taxable Benefits process. This is a voluntary arrangement whereby your employer chooses to account for the tax on any benefits provided to you through PAYE each payday. This means you repay the BIK Income Tax reduction within the tax year that your Benefits Plan began. Your employer doesn't need submit P11D forms for participating employees, instead the value of your tech is simply added to your taxable income each pay period as a ‘notional pay item’.

From April 2026 all employers will be required to use Payrolling of Taxable Benefits process to report BIKs to HMRC.

The collection pass gives you complete flexibility in this situation. 

If your chosen products are not currently available, you have the option to wait for them to come back into stock and sign up for helpful stock email alerts. Or alternatively you can simply browse their huge range of products and select a similar product. 

You can order the items you want from Currys or IKEA and they will ship them to you, or you can check stock at multiple local stores and they will confirm when they are available in-store for collection. 

Your Currys collection pass will only expire after 2 years, or 2 years after it was last used (in the case where you have used only part of the total value requested), giving you plenty of time to obtain the products you desire. 

Your IKEA collection pass has no expiry.

Your Currys collection pass will only expire after 2 years, or 2 years after it was last used (in the case where you have used only part of the total value requested).

Once Home & Tech has received payment from your employer, you will receive an email with a Retailer Security Code and link. Simply follow the link and validate your email address. 

Your Collection Pass will then be emailed to you within an hour.

The latest and greatest home and tech products! Home & Tech is powered by Currys or IKEA; meaning you can choose from thousands of incredible home and tech products.

Items obtained through the scheme must be home and tech products and we would expect a common sense approach to be taken regarding the products you purchase.  

You have the flexibility of choosing to use your collection pass(s) in-store or online and shopping with the wide choice that they provide.

You cannot obtain gift cards or egifts through Home & Tech.

Your employer owns the goods up to the later of:

• 15 days after the equipment first comes into your possession

or

• 30 days from the issue of the Retailer Security Code to you.

From that point onwards, you own the equipment and retain ownership of the equipment once the Benefits Plan has ceased.

Because the employer transfers ownership of the goods to you there is no debt; therefore, if the you are removed from employment (by your employer) before all payments have been made, the employer has no statutory or contractual right to recover the outstanding payments.

However, if you resign, you are no longer providing work to the employer at the agreed reduced salary (i.e. with the deductions in place as per the benefits plan) which causes the employer damage (up to a maximum of the total of the outstanding payments) and the employer can reasonably argue that it can withhold that amount from employee’s final pay.

The Currys Collection Pass can be used in Currys stores in the UK, online at www.currys.co.uk or on the Currys App, against tech products and services.

The balance of the Currys Collection Pass can be checked here, in any of the aforementioned stores or by calling 0800897163.

The IKEA Collection Pass can be used in IKEA stores in the UK, online at https://www.ikea.com/gb/en/ or on the IKEA App - Download it on iOS & Google Play against products and services. 

The balance of the IKEA Collection Pass can be checked here, in any of the aforementioned stores or by calling 02036450000.

For details on a participant’s rights to cancel, and the Home & Tech returns policy, please read your ‘ cancellation rights’.

If the packaging was damaged upon delivery you must record this on the courier's delivery note when signing for the package; failure to report damage to the package may invalidate any subsequent claim you may make to repair or replace items damaged in transit.

To support any claims we strongly recommend you take photographic evidence of any damage to the packaging (marks, scratches, rips or tears).

It is important that original packaging is retained and used if an item needs to be returned (it is vital that the item is securely packaged when returned). For further information please see our Home & Tech Returns Policy.