As your employer, Aberdeen City Council is aware that in spite of our commitment to pay all of our employees at least the Living Wage your personal circumstances may still mean that you can have difficulty with money.  We also know that if you are struggling to balance your finances that can impact on your wellbeing, increase the pressure you are under and make it difficult for you to be fully effective when you are at work. 

If you find yourself in that position then there are a range of sources of help and advice available to you.

To find out more about the organisations and services outlined below please click on the heading to be taken to the relevant website. 

Employee Benefits

There are a wide range of employee benefits available, including discount schemes, which can reduce the cost of goods or services.  For example, you can get about 4% off your Tesco shopping and 5% off at Sainsburys and Morrisons.

To find out more about employee benefits –

ACC Logo 

 Tel: 01224 523939, Email: Web:

Money Advice Centre Button

This is a free and impartial service set up by the Government.  They publish advice and provide guides on-line to help you manage your money.  They can also provide advice and support over the phone.

To find out more about the Money Advice Service –

  MoneyAdviceServiceLogoTel: 0800 138 7777, Email:

Financial Inclusion

The Financial Inclusion Team is a free, expert and confidential service providing specialist advice and assistance.

Our Money Advisers can:

  • Provide financial health check including advice on budgeting
  • Check you are receiving all the benefits you are entitled to
  • Offer advice and support with any debt including rent arrears
  • Offer advice and representation at appeal tribunals

To find out more about the Financial Inclusion Team –

  ACC Logo

Tel: 03000 200 292 Email: Web:

Council Tax Reduction

  • Are you on low income?
  • Do you (and your partner) have less than £16,000 capital or savings (unless you are getting Pension Credit (Guarantee Credit))?

If so you may qualify for a Council Tax Reduction or for Housing benefit.

These are the ‘means tested’ benefits so different awards would be granted depending on your personal circumstances.  You would need to show evidence of all of your income and savings in order to complete the calculation.

Other adults resident in the property are expected to contribute towards the Rent or Council Tax bill, so your Benefit/Reduction may be reduced in order to accommodate this.  Council Tax Reduction is not awarded against Water and Sewerage (waste Water) elements of the charge – so even if you are entitled to maximum reduction, there would still be an amount to pay.

To find out more about Council Tax or Housing Benefit –

  ACC Logo

 Tel: 03000 200 292 Web:

Be assured that any conversations that take place will do so in complete confidence.

If you want to apply for Council Tax Reduction and Housing Benefit –

  • Download a copy of the Council Tax Reduction application form from the Aberdeen City Council,
  • Contact The Customer Service Centre on 03000 200 292 and ask them to issue you with a form or,
  • Pick up a form in person at one of the area offices:
    • Marischal College, Broad Street, Aberdeen, AB10 1AB
    • Mastrick Customer Access Point, Spey Road, Mastrick, Aberdeen, AB16 6SH
    • Tillydrone Housing Office, Formartine Road, Aberdeen, AB24 2UY

Citizens Advice Button

Citizens Advice provides a wide range of services including advice on how to deal with debt or money worries.  They have an on-line service providing information for you to check how well you are managing your money and then what you can do if you do have some problems.  They explain what types of money issues might affect you and also what options there are for getting out of debt and who can help you.

There are also local Citizens Advice Bureau offices throughout the city and surrounding areas.  Look on their website for details of the location closest to you.

To find out more about the Citizens Advice services –

  Citizens Advice LogoTel: 0808 800 9060 Web:

Cash in Your Pocket Button

This is a referral service for those with financial issues or those providing help or support.  Referrals can be made by individuals or by professionals on behalf of their client.

To find out more about the Cash in Your Pocket –

  CIYPLogo To find out more about Cash in Your Pocket:

Credit Unions Button

A Credit Union is not-for-profit financial co-operative owned and run by its members for the benefit of its members and the local community.  All the members save on a regular basis.  These savings are pooled and used as a common fund from which members can apply for loans.  Aberdeen City Council employees can join Grampian Credit Union and save directly from salary deduction each month.

Grampian Credit Union

Aberdeen City Council is in partnership with Grampian Credit Union, which is an independent savings and loans co-operative.

The Credit Union is available to anyone who lives or works in the Grampian area, ie Aberdeen city, Aberdeenshire and Moray.

Our partnership with Grampian Credit Union means that all members of Aberdeen City Council staff can join and save from monthly salary deduction.

Services include:

  • Adult, Junior and Christmas savings accounts – saving from £12.00 per month or more
  • Loans for members, with affordable interest rates – first loans £200 to £5,000
  • Payroll partner loans available – £1,000 repayable in 12 months from salary deduction
  • Access Credit Union accounts online or by phone or email request  – withdrawals direct to your bank
  • Join online, or print membership application from website, or request forms from Credit Union
  • Deposits covered fully by the Financial Services Compensation Scheme

Grampian Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 213701

To find out more about Grampian Credit Union, go to the homepage at

Information leaflet and membership application available under Forms list on website, along with list confirming Aberdeen City Council as employer partner 

250 Union Street
Aberdeen AB10 1TN
Tel 01224 561506Email:

Grampian Credit Union – How To Join – Membership 2018
Grampian Credit Union – Newsletter 2019

Depending on where you live you may be able to join one of the other credit unions.

St Machar Credit Union, Web:

Time for Talking

Aberdeen City Council provides a free, confidential, 24-hour counselling service, 365 days a year for employees.  Called Time for Talking they provide:

  • A helpline for general advice and guidance
  • Psychological guidance and emotional support when things are getting you down
  • Individual counselling, either face to face or over the phone

The service is free and available to all employees, Foster Carer, Elected Members and members of their immediate family living at the home address and over 16 years of age.

To find out more about Time for Talking –

  Time for Talking Logo Tel: 0800 970 3980, Email: Web: (click on the Aberdeen City Council logo, enter the username AberdeenCity and the password AB12016 when prompted)

Additional Information 

As has been widely reported in the Press, the Government will be making a number of changes to work benefits over the coming months.  For some of our employees these changes might mean that their total income decreases.  If you are in that position then we will try to work with you to help you to deal with it.  For example, if you currently work part-time you might speak to your manager to discuss the possibility of increasing your hours of work, either now or in the future when an opportunity arises.

We have a wide range of Flexible Working options available, such as annualised hours or compressed working.  If more flexible working would help then speak to your manager about the options that may be available depending on the type of work you do.

You can also talk to your manager about getting the training you might need so that you can be ready for promotion when the opportunity arises.  And finally, if you are a member, then you can approach your Trade Union representative, who may help be able to help with support, advice and practical assistance.

Some Trades Union contact information:

         GMBAberdeen City Council, Room G18, The Town House, Union Street, Aberdeen, AB10 1AQ              Tel: 01224 522215
       UniteAberdeen City Council, Room G18, The Town House, Union Street, Aberdeen, AB10 1AQ               Tel: 01224 522207
       UnisonAberdeen City Council, Room G20, The Town House, Union Street, Aberdeen AB10 1AQ                   Tel: 01224 522239
      UcattContact your local representative for more information on 01224 489338
     SSTAWest End House, 14 West End Place, Edinburgh, EH11 2ED Email:
    ADHSAberdeen City Council, Room G20, The Town House, Union Street, Aberdeen AB10 1AQ                    Tel: 01224 522467
  NASUWT 35 Young Street North Lane, Edinburgh, EH2 4JD Tel: 0131 226 8480
     EIS LogoContact the AHDS Area Officer covering Aberdeen City please call 0333 1210053                             Email:
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