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AW

AVC Wise Limited (T/a My Money Matters)

Financial services · London
SME

AVC Wise Limited, trading as My Money Matters, provides financial wellbeing solutions specifically designed for the public sector. They offer services such as on-demand pay, automated savings, and financial coaching to help employees manage their finances better.

my-money-matters.co.uk ↗

Summary from the supplier’s website — unverified

Compare peers
Awarded
£7.4m
Live
47
Buyers
46
12m
£1.2m
At a glance
  • Quick answer
Profile
  • Social value
  • ESG & policies
  • Capabilities3
  • Buyer references
  • Accreditations
Track record · verified
  • KPI performance
  • Contracts47 / 62
  • Top buyers46
  • Category mix
  • Geography
  • Peers5
Trust & risk
  • Red flags0
  • Compliance
  • Modifications
  • News
Company
  • Companies House
  • Financial
  • Org tree
Quick answer — AVC Wise Limited (T/a My Money Matters)Updated 06 Jul 2026

At a glance · for buyers and watchdogs

AVC Wise Limited (T/a My Money Matters) has won £7.4m across 46 public-sector buyers, with 47 live contracts. No active Companies House risk flags.

Why: top buyer Cumbria Constabulary - Office of the Police & Crime Commissioner at 34% · 73% in Financial services · 0 active risk flags · 0 modifications.

Decision signals
0Active red flags
ActiveCompany status
47 of 62Live contracts
34%Top-buyer concentration
73%Category exposure
0Contract modifications
If you're a buyer:CapabilitiesReferencesKPIComplianceWatchdog?FlagsModificationsConcentrationNews

Social value

Commitments mapped to the Government Social Value Model themes.

⚑ Self-reported
—

No social-value commitments yet

Jobs, skills, environmental, inequality and community commitments appear here once a claimed supplier attributes them to awarded contracts, or once we detect them on the supplier’s website.

ESG & policies vault · 0/5

Key governance & sustainability policies. Published documents link out; missing ones are greyed.

↔ Cross-checked
Net-zero planNot provided✓
Modern slavery statementNot provided✓
EDI policyNot provided✓
Anti-briberyNot provided✓
Data protectionNot provided✓

Capabilities

What this supplier does, where they sit, who they sell to.

◐ From website & notices
Sectors served · 1/8
Central government✓
Local government✓
NHS & health✓
Housing✓
Utilities & energy✓
Financial services✓
Education✓
Defence✓
Services · 4
On-Demand PayEmployees can withdraw the wages they've already earned, when they need it most. ↗Auto SavingsHigh-interest savings, straight from their salary. ↗Shared Cost AVCsEmployees invest more in their pension with tax relief benefits. ↗
Financial CoachingInstant and free financial coaching for every employee.
Frameworks & DPS · 3 from notices
  • CCP005 Provision of Salary Sacrifice Shared Cost Additional Voluntary Contributions Scheme ServiceDerbyshire County Council · £390k
  • Provision of a Salary Sacrifice Additional Voluntary Contribution (AVC) Scheme for Local Government Pension Scheme MembersSunderland City Council · £120k
  • The Provision of an AVC Management ServiceBury Council · £1

Extracted automatically from my-money-matters.co.uk on Jul 2026. Not independently verified — treat as the supplier’s own marketing claims.

Case studies · 1

Delivery stories from the supplier’s website. Clients are not yet cross-checked against award records.

◐ From supplier website
Carmarthenshire County CouncilWhat happens when a local authority stops treating pension engagement as a tick-box exercise and starts treating it as a genuine benefit. ↗

Extracted automatically from my-money-matters.co.uk on Jul 2026. Not independently verified — treat as the supplier’s own marketing claims.

Buyer references

Named public-sector contacts who have agreed to act as a reference.

✓ Confirmed by buyer
—

No buyer references yet

Public-sector buyers can confirm they'll act as a reference for this supplier. Confirmed references — with the contract they relate to — show here.

Accreditations & memberships · 3

Credentials listed on the supplier’s website. Not yet checked against issuer registers.

◐ From supplier website
Core credentials · 4/6
Cyber EssentialsNCSC✓
Cyber Essentials PlusNCSC✓
ISO 27001 — Information securityISO✓
ISO 9001 — QualityISO✓
ISO 14001 — EnvironmentalNot evidenced✓
ISO 45001 — Health & safetyNot evidenced✓

Extracted automatically from my-money-matters.co.uk on Jul 2026. Not independently verified — treat as the supplier’s own marketing claims.

KPI performance

Delivery, budget and satisfaction scores reported quarterly by buyers.

✓ Verified
84

No verified KPI scores yet

Once buyers report contract KPIs — delivery on time, on budget, satisfaction, adoption and accessibility — a weighted grade and breakdown appear here.

Contracts · 47 live · 15 historic

Pulled from Contracts Finder & Find a Tender. Most recent first.

✓ From notices
TitleBuyerCPVAwardedValueTermStatus
Shared AVC Salary Sacrifice Scheme for Employee Pensions
Bristol City Council6652000001 Sept 2026£220k2 yrsLive
Shared Cost Added Voluntary Pensions Contributions Scheme
West Yorkshire Combined Authority6613110001 Jul 2026£70k4 yrsLive
Shared Cost AVCs
Southend-on-sea Borough Council6613110001 May 2026£44k3.1 yrsLive
AVC Provider Services Contract
West Yorkshire Combined Authority6650000001 Apr 2026£40k3 yrsLive
Salary Sacrifice Additional Voluntary Contributions (AVCs) Scheme
Warwickshire Police6610000001 Jun 2026£55k3 yrsLive
Pension Additional Voluntary Contribution Scheme
Police, Fire & Crime Commissioner for Staffordshire6652000001 Apr 2026£29k2 yrsLive
Broadland District Council - Salary Sacrifice Additional Voluntary Contributions Employee Benefit Scheme
Suffolk Coastal District Council and Waveney District Council7532000001 Apr 2026£9k3 yrsLive
South Norfolk Council - Salary Sacrifice Additional Voluntary Contributions Employee Benefit Scheme
Suffolk Coastal District Council and Waveney District Council7532000001 Apr 2026£20k3 yrsLive
Provision of Shared Cost Additional Voluntary Contribution Scheme
Hull City Council7531000013 Nov 2025—2.1 yrsLive
Salary Sacrifice Services
Bournemouth Christchurch and Poole Council6650000001 Dec 2025£100k12 moLive
Total live value £6.0m · mean award £119k1–10 of 62

Top buyers · 46 buyers · top 3 = 49%

Share of awarded value. Concentration fires above 40% for any single buyer.

✓ From notices
1
Cumbria Constabulary - Office of the Police & Crime Commissioner
1 contract
34%
since 2025
2
Kent County Council
2 contracts
9%
since 2020
3
Stockton Borough Council
1 contract
5%
since 2024
4
Derbyshire County Council
2 contracts
5%
since 2021
5
Lincolnshire County Council
1 contract
3%
since 2024
6
Devon County Council
1 contract
3%
since 2025
7
Bristol City Council
1 contract
3%
since 2026
8
London Borough of Enfield
1 contract
3%
since 2025
9
CHESHIRE EAST COUNCIL
1 contract
2%
since 2024
10
Wolverhampton City Council
1 contract
2%
since 2025

Category mix

CPV-division share of last-12m awarded value. Single-category exposure: 73%.

✓ From notices
Financial services66
73%
Other services98
14%
Administration services75
10%
Business services79
2%
⚠ Concentration: 73% of recent awarded value sits in a single CPV division. A category-specific downturn would materially affect revenue.

Geography

Distribution of awarded value by buyer region.

✓ From notices
UK · schematic only
North West7 contracts
41%
East Midlands9 contracts
14%
South East6 contracts
12%
South West4 contracts
8%
North East9 contracts
8%
Eastern4 contracts
5%
London3 contracts
5%
West Midlands3 contracts
3%
Yorkshire10 contracts
3%

Peers

Suppliers with overlapping CPVs & buyers (last 24m). AVC Wise Limited (T/a My Money Matters) highlighted.

✓ From notices
SupplierSME?Awarded · 24mContracts
OC
Oracle Corporation UK Limited
No£20.6m1
AT
Atamis Ltd
Yes£18.1m2
HT
Hicom Technology Limited
Yes£12.4m1
SO
Softcat
Yes£9.1m13
DE
Deloitte LLP
No£8.1m3
AW
AVC Wise Limited (T/a My Money Matters)
Yes£1.2m—
Compare peers →

Red flags · 0 active

Automated scan of Companies House status, charges and insolvency records.

✓ Verified
✓ Clean. No active risk signals from Companies House status, charges or insolvency records.

Compliance scorecard

Derived from Companies House filings — not a full supplier-assurance check.

↔ Cross-checked
Trading status
Active
Live at Companies House
Annual accounts
Up to date
Last made up to 31 Dec 2025
Confirmation statement
Up to date
Next due 26 Feb 2027
Outstanding charges
0
No charges registered
Insolvency history
None
No insolvency cases registered
Certifications (ISO, Cyber Essentials, Living Wage, B-Corp, modern-slavery) are supplier self-reported and appear once a claimed profile adds them.

Modifications

Variations to awarded contracts logged under Procurement Act 2023 s.74.

✓ From notices
±

No modifications recorded

No published contract variations for this supplier. Modification notices appear here as they are issued under the Procurement Act 2023.

News mentions

UK trade press & nationals, matched to this supplier.

◰

No news mentions found

We haven't matched any recent UK press coverage to this supplier. Mentions appear here automatically as they're published.

Companies House

Live sync — registered details, directors, PSC and SIC codes.

✓ Live sync

Registered details

Company no.
11406613
Status
Active
Type
Private limited
Incorporated
08 Jun 2018
Reg. office
First Floor, 5 Fleet Place, London, EC4M 7RD
SIC codes
62090
Last accounts
31 Dec 2025
Next accounts due
30 Sept 2027

Directors & PSC

  • DAVIS, Michael James — director
    Appointed 04 Aug 2025
  • MISTRY, Amarnath Anthony Prakash — director
    Appointed 01 May 2024
  • GLADDISH, Peter John — director
    Appointed 08 Jun 2018
  • MICHALAKIDIS, Georgios — director
    Appointed 08 Jun 2018
  • SAVAGE, David Christopher — director
    Appointed 08 Jun 2018
  • GROVES, Duncan William — director
    Appointed 08 Jun 2018
  • Richard Hallam Ellis — person with significant control
    ownership of shares 25 to 50 percent · voting rights 25 to 50 percent
  • Ms Jane Yvonne Davis — person with significant control
    ownership of shares 25 to 50 percent · voting rights 25 to 50 percent
  • Pd Avc Limited — person with significant control
    ownership of shares 25 to 50 percent · voting rights 25 to 50 percent

Financial

Filed accounts from Companies House.

↔ From Cos House
£

No financial filings on record

Turnover, profit and headcount appear here once audited or micro-entity accounts are filed at Companies House.

Org tree

Group structure and ownership.

↔ From Cos House
AVC WISE LIMITED
11406613 · this company

Independent. No parent company or subsidiaries recorded at Companies House for this entity.