In the UK most people can claim Tax-free Childcare from the government. Which tops up your childcare payments by 25%, up to a quarterly limit of £500.
The process/website for dealing with it is, frankly, rubbish. And, in a moment of frustration, I've written up why:
Current process:
- I look at the amount I have to pay to the provider
- I do a calculation (based on that amount, how much top-up remains, etc)
- I transfer money to them (using different details per child)
- I wait two hours
- I come back and check to see if the money has been transferred and topped up. If not, return to (4).
- I tell them to transfer it to the provider
- They pay it to the provider.
Proposed process:
- once only - I give them my bank details and direct debit permissions. As I do with multiple other sites.
- I Tell them to pay X to the provider.
- They do the maths for how much of my money to transfer, and confirm that with me.
- They transfer it, top it up, and pay it to the provider, letting me know if there was a problem.
This means I have to make 1 visit to 1 website, rather than multiple trips to two websites (them and the bank), I don't have to do any maths, and I don't have to check back in after two hours to see if the transfer has happened yet.
And then multiply up my monthly frustration across all of the hundreds of thousands of people using this every month.
Oh, and yes, I sent them a shorter version of this.