The financial wellbeing benefit your EAP can't deliver
84% of Australian HR professionals link financial stress to mental health issues. Only 6% plan to run a financial wellbeing program in the next 12 months. Your duty of care doesn't stop at counselling sessions. It extends to the #1 cause of that stress.
Financial stress is costing you more than you think
The numbers are clear. Financial stress isn't a personal problem employees leave at home. It walks through the door every morning.
$31B lost per year
Financial stress costs Australian employers $31 billion annually in lost productivity, absenteeism, and presenteeism. That's real margin walking out the door.
4.7 hrs/week lost
Financially stressed employees spend nearly five hours per week distracted at work, dealing with bills, worrying about debt, fielding calls from creditors.
2x turnover risk
Employees experiencing financial stress are twice as likely to leave. Replacing a mid-level employee costs 50 to 200% of their salary. Prevention is cheaper than recruitment.
What your employees get, at no cost to them
When you fund moneymood, your people get access to a complete financial wellbeing platform. Not a hotline. Not a pamphlet. A genuine system for improving their financial position.
Financial EAP vs. generic EAP
Same procurement category. Same budget line. Completely different depth on money.
| Capability | Generic EAP | moneymood Financial EAP |
|---|---|---|
| Financial coaching | Limited sessions (if any) | Unlimited AI + human coaching |
| Open Banking data | No | Yes, CDR compliant |
| Connected savings partnerships | No | Yes, identifies real savings opportunities |
| Identifies insurance savings | No | Yes, finds where employees are overpaying |
| Financial wellbeing score | No | Yes, 30+ dimensions |
| Budgeting and net worth tools | Generic articles | Live data-connected tools |
| Employer reporting | Aggregated usage only | Aggregated wellbeing trends + engagement |
| Employee utilisation | 5-10% | 50%+ typical engagement |
| Setup time | Weeks to months | Days, not weeks |
| IT integration required | Often (SSO, HRIS) | None |
| Lock-in contract | 12-24 months typical | No lock-in. Cancel anytime. |
Simple to launch. No IT project.
No integration work. No HRIS sync. No SSO requirement. We handle everything.
Book a demo
Talk to our team. We'll walk you through the platform and tailor a plan for your organisation.
We set you up
We configure your organisation's branded instance and onboard your team. No IT work required on your end.
Share with your team
Distribute via your benefits portal, onboarding pack, or internal comms. We provide launch templates and talking points.
Monitor aggregated outcomes
Your employer dashboard shows engagement rates and aggregated wellbeing trends. Individual employee data is never visible to you.
No setup fees. No lock-in. Starts at $7/employee/month.
Volume discounts from 51 employees. Enterprise pricing available for 500+. Cancel any time. We earn your renewal.
Common questions from HR teams
How is this different from our existing EAP?
Traditional EAPs offer short-term counselling for a range of personal issues, typically 3 to 6 sessions. Financial stress is rarely addressed beyond a referral to a generic helpline. moneymood is purpose-built for financial wellbeing: coaching, budgeting tools, Open Banking insights, and connected services that help employees save. Think of it as a specialist complement to your existing EAP, not a replacement for counselling.
What data do we see as an employer?
You see aggregated, de-identified data only: overall engagement rates, average wellbeing scores across your workforce, and trend data over time. You will never see individual employee financial information, transaction data, or personal details. Privacy is non-negotiable. Employees won't use the platform without it.
How do employees access the platform?
We handle the setup for you. Employees visit moneymood and create their private account. No SSO integration required, no IT work needed. Employees self-register when they choose to.
Is there a lock-in contract?
No. All plans are month-to-month. You can cancel at any time with 30 days' notice. We don't believe in locking clients into long-term contracts. We'd rather earn your renewal each month by delivering value your employees actually use.
How does moneymood make money?
Two revenue streams: (1) the transparent per-employee fee you pay as an employer, and (2) referral fees from connected service providers (lenders, insurers) when employees voluntarily use those services. Connected services are always optional, never affect platform access, and every referral relationship is disclosed at point of use. Same model as a mortgage broker: the institution pays, not the user.
Give your team a Financial EAP that actually works
No lock-in. No IT project. From $4/employee/month.
Prefer to talk? Call us on 0466 781 253