In the UK: Cycle to Work: A scheme which involves an interest-free loan from the employer to buy a bike and safety accessories for cycling to work. This is a s

In the UK: Cycle to Work: A scheme which involves an interest-free loan from the employer to buy a bike and safety accessories for cycling to work. This is a salary sacrifice so the employer pays less National Insurance and the employee saves on National Insurance and income tax. Season ticket loans: Interest-free loans from the employer to enable the employee to purchase a yearly train/Tube ticket. Yearly tickets work out cheaper than monthly tickets.