Money, funding, and finance for apprenticeships

Find out about apprentice wages, associated fees and who covers them, as well as apprentice discounts and more.

An apprenticeship allows you to gain industry experience and a qualification, while earning a salary just like any other employee. Your employer and the government will pay any tuition fees for your apprenticeship, including degree apprenticeships. This means you can graduate debt-free.

However, apprentices aren’t eligible for student loans, and you’ll need to cover your day-to-day expenses like living costs, rent and travel in most cases 

Salaries and minimum wages for apprentices

As an apprentice, you must receive at least the apprenticeship minimum wage for your first year. After that you must receive at least the minimum wage for your age group:

Age Current hourly rate
Apprentice minimum wage     £4.81
Under 18     £4.81
18 – 20     £6.83
21 – 22     £9.18
23 and over     £9.50


If you don’t know your hourly rate, use this calculator to make sure you’re getting the right wage.

To really get a feel for what you might earn, take a look at some real apprentice vacancies. Remember that different levels of apprenticeship will pay differently. Remember to factor in the tuition fees for a similar level qualification.

Extra benefits and discounts for apprentices

If you’ve only worked a part-time job before, you’ll be happy to know that you can expect holiday pay. And if you earn enough, a pension scheme. Some employers may offer other benefits, such as green travel loans, company equipment such as a phone or car, leisure facilities, or a relocation allowance if you have to move.

You’ll be classed as an employee, rather than a student, so you won’t be entitled to student discounts. But the National Union of Students (NUS) offers an NUS Apprentice Extra Card. Most businesses will treat this as a student ID. 

You may also be eligible for discounts on public transport, with many schemes running on a local basis, like the Apprentice Oyster photo card in London – giving apprentices 30% off certain journeys.

What if I have additional needs?

All providers have a support structure in place for students with additional needs. Make sure you talk to your employer and training provider before you start, so that everything you need to succeed is in place from day one.

Here’s a really useful guide to disability support for apprentices from Disability Rights UK that should help you find the right course for your needs.

Joe, apprentice at Caterpillar

For me, the great thing about apprenticeships is that you can study at your own pace, while getting the qualifications you want to progress without any debt – and still get paid the money you need to get by.

Do apprentices still pay tax?

Apprentices pay income tax in the same way most people do – if you’re earning over £12,570 per year, you’ll have to pay your share. If you earn more than £184 per week (£9,568 per year), you’ll also have to pay National Insurance contributions, charged at 12% of your income. But both are deducted from your earnings before you ever get your hands on the money. So, you won’t notice the loss.

Unlike students, you won’t be exempt from council tax – but if you live in a household of only apprentices and trainees, you can get a 50% discount

Sign up to Career Finder

If you think an apprenticeship could be right for you, head over to Career Finder and create an account. 

You'll be able to: 

  • search for all apprenticeship roles
  • filter by subject area, role type, location, and level of apprenticeship
  • shortlist jobs
  • sign up for alerts
  • keep tabs on applications you've made

Go to Career Finder

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