For employers
Financial wellbeing from the first payday.
Give someone their first job. Help them make their first pay count.
A first job is the first time money gets real.
A payslip with tax and super on it, a bank balance that suddenly matters, and nobody giving them a system. LOKD money is that system: a free Payday habit and plain-English lessons when they matter.
What your new starters get.
PAYDAY
Got paid? Run Payday.
Every pay is split by their own rule into NOW, NEXT, BUILD and FUTURE, so they know what's safe to enjoy and what's going toward their goals.
LEARN AS YOU EARN
Their payslip, explained.
Short lessons on gross and net pay, tax, super and penalty rates, shown when they become relevant. Fewer confused questions at the next pay run.
NEXT · GOALS
A reason to keep the shifts.
A laptop, a licence, a first car. Every Payday moves a goal closer, and they can see when they'll be ready.
WELLBEING WITHOUT SURVEILLANCE
You see the group. Never anyone's money.
YOU SEE, AS GROUP TOTALS
- How many joined
- Paydays run
- Lessons completed
- Small groups are hidden
NEVER SHARED WITH YOU
- Anyone's pay or balances
- Their buckets, goals or spending
- Who did or didn't join
ALWAYS THEIRS
- Their own private account
- LOKD money doesn't hold their money
- No bank password, ever
How a pilot works.
- 1We set up your codeOne code for your new starters, so sign-ups count toward your group.
- 2It goes in the welcome packA QR card, a staff-room poster, a short manager email. We supply them, co-branded with your approval.
- 3They run PaydayFree for them, on their own phone and their own private account.
- 4You get a group reportTotals for your group after 4 and 12 pay cycles. Never anyone's money.
Help them make their first pay count.
We're looking for a few first-job employers to pilot with new starters: retail, food service, hospitality and trades.
Email partners@lokdmoney.com