A one-stop-shop providing bespoke information and support for all UK seafarers and their families on personal savings, money management, credit choices, debt advice, and relationship and mental health support.



Money Management

Tax & National Insurance

Information on how National Insurance works if you work as a seafarer.

The Money Manual

A comprehensive manual offering advice on handling your finances, debt and the ins-and-outs of everyday money management.

The Money Charity Budget Builder

A free, easy to use tool which will help you create your own budget you can use to keep track of your day-to-day spending.

Financial Services Compensation Scheme (FSCS)

An independent, free to use service that provides compensation and protects you when financial services fail or go out of business.

Financial Ombudsman

An impartial, free and easy to use complaints service for when you have not received a fair financial service.


Pension Calculator

Calculate how much you need in your retirement, and how much you are going to have.

Pension advice

Guides for employees who are thinking about retirement, are about to retire, or have been retired for some time.

Get free pension advice

Pension Wise is a government service that offers free, impartial guidance for people with defined contribution pensions.

Book a Pension Wise appointment

To get the most out of your free Pension Wise appointment, it's best to come prepared. Read more to see some steps on how to get organised.

Pension Tracing Service

This service finds contact details to search for a lost pension.

Merchant Navy Ratings Pension Fund

The Merchant Navy Ratings Pension Fund has recently released further details about rules around accessing your pension benefits early after injury or ill-health.


Seafarers Earning Deduction: Tax relief

If you're an employee working at sea outside of the UK, learn how you can claim tax relief on your earnings.


The Safety Net: Financial Training Resource Pack

A free training pack containing advice on lending, spending, debt and much more.

Avoiding loan sharks

Citizens Advice guidance on how to spot and avoid loan sharks.

Report a loan shark

Stop Loan Sharks investigates and prosecutes illegal money lenders and provides support for borrowers in the UK.


Scams and frauds

Age UK helps you spot and avoid scams targeting your money.

Reporting scams

National Trading Standards (NTS) Scams Team tackles and disrupts mass marketing and mail scams and supports victims.

Friends Against Scams

In partnership with the NTS Scams Team, Friends Against Scams teaches you how to protect yourself and your loved ones from scams.


Seafarers' Advice & Information Line (SAIL)

SAIL is a Citizens Advice service just for seafarers and their families across the UK. They offer information and advice on a wide range of financial issues such as debt, housing and welfare benefits.

Stepchange (debt advice)

Free, confidential expert debt advice and debt management solutions.

Business Debtline

Free and independent debt advice for the self-employed and business owner over the phone and online.

Priority debts

Some debts are more important than others and should be paid first, as a priority.

Breathing Space Scheme

The breathing space scheme offers up to 60 days' respite from interst, fees, and court action to reduce stress.


RMT Credit Union

A credit union is a self-help co-operative whose members pool their savings to provide each other with credit at a low interest rate. To be part of a credit union you have to share a common bond with other members. This is something you all have in common such as:
- living or working in the same area
- working for the same employer
- belonging to the same church, trade union or other association


Relate Relationship Advice

Working at sea can be difficult and impact personal relationships. You can get a referral for free relationship counselling from SAIL.

Seafarers Hospital Society: Togetherall

A confidential service for those who need help with mental health and wellbeing issues. As part of the Merchant Navy, you can access these resources for free, through the Seafarers Hospital Society.

Other Sources of Information

Seafarers Support

For information on grant support, accommodation and health services.

Training grants

Seafarer Support offers guidance on where you can find training grants. Click to find out more.

Career development

Get guidance on where to find financial support, how to learn new skills, get accredited qualifications and find new jobs in the UK maritime sector.


The UK's leading general insurance intermediary organisation who find bespoke insurance products for people who are difficult to insure.

Seafarers Hospital Society: Dreadnought

Priority NHS treatment for working seafarers based at St Thomas' Hospital in London.

Support for gambling addictions

Practical advice and support to help yourself, or someone else, with a gambling problem.

Illness and disability

Guidance about support that is available to help you manage better financially and lead a more independent life if you live with illness or disability.

Losing your job

Easy-to-read guidance to help you understand what might happen and what your options are after losing your job.

Making a will

Guidance on wills, including advice on what should be included, executors, solicitors and much more.



0800 160 1842

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