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Umbrella PAYE

A simple, compliant way to get paid as a contractor without setting up a limited company.

You remain an independent contractor, but Fenero’s Umbrella Company acts as your employer for payroll and tax administration.

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Is this the best fit for your contracting career?

Umbrella PAYE is ideal if you’re new to contracting, on a short-term contract, have visa restrictions, or need to apply for a mortgage.

Quick setup, low admin, and complete compliance from day one.

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What's in it for you?

Easy setup, all payroll taxes handled, claim business expenses, access Class A PRSI, illness benefit and insurance cover.

Plus fast payments, and 24/7 access to our contractor platform.

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When should you consider other options?

If you want a higher take-home pay, more control over tax planning or view contracting as a long-term career choice.

Then a Personal Service Company might be better.

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The Benefits of an Umbrella PAYE

Thinking an Umbrella PAYE might be right for you? Here’s what you’ll gain:

Immediate setup — start contracting instantly

Guaranteed same-day funds transfer

All payroll taxes handled (PAYE, PRSI, USC)

No setup or closure costs

Dedicated Account Manager

Class A PRSI, Illness Benefit, and insurance cover

Claim allowable business expenses

24/7 access to myFenero, our contractor platform

Why choose Fenero for your Umbrella PAYE

When you choose Fenero, you’ll enjoy:

Tax and accounting specialists for contractors & self-employed professionals

Premium award-winning service at great value pricing

16+ years' experience

Dedicated Account Manager

Tailored guidance and end-to-end support

Fast setup

Proactive tax and financial planning to maximise your income

24/7 access to myFenero, our contractor platform

Employee Wellbeing Assistance Programme

Our fee structure

Our service fee is:

€95 per month

(€41 after tax relief)

€32.50 per week

(€14 after tax relief)

No setup fees, no closure costs, no surprises

Pay-as-you-go service

Your earnings after tax, simplified!

Let’s chat about whether an Umbrella PAYE is right for you. In the meantime, try our simple tax calculator to see what your potential earnings could look like.

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Important details about Umbrella PAYE

You remain an independent contractor, but Fenero’s Umbrella Company acts as your employer for payroll and tax administration.

We invoice your agency or client on your behalf — no company setup or admin required.

All taxes are deducted and paid to Revenue before you receive your net salary.

Setup is instant, with no setup or closure fees, and you can leave at any time.

You’ll receive employee benefits including Class A PRSI, Illness Benefit and full insurance cover.

Take-home pay is lower than a PSC, as employer PRSI (11.25%) is deducted from your invoice.

Next Steps

Ready to sign up? Here’s what happens next.

Step 1

Fill in our contact form and submit.

Step 2

Complete and submit a questionnaire that we send you.

Step 3

Once we receive it, our team will email you to get things moving.

Umbrella PAYE FAQs

An Umbrella Company lets you contract without setting up your own limited company.

You remain an independent contractor, but Fenero’s Umbrella Company acts as your employer for payroll and tax administration. We handle your payroll, taxes, and insurance — giving you the flexibility of contracting without the admin burden.

Have any questions?

Fill in your details and one of our Solutions Advisors will call you back.

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Knowledge Hub

From advice on claiming tax relief to a breakdown of what the Budget means for you, we have some great resources to help you navigate the often-complex contracting landscape.

Don’t have enough money to pay your income tax bill?
Tax tips

Don’t have enough money to pay your income tax bill?

April 9, 2025

Claiming tax-free expenses: 10 common mistakes
Tax tipsReliefs and expenses

Claiming tax-free expenses: 10 common mistakes

April 4, 2024

Is it okay to borrow money from your limited company?
ContractingTax tips

Is it okay to borrow money from your limited company?

April 4, 2024

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Our friendly, expert advisors are always ready and happy to chat by phone, email or in person! Get in touch today to let us know how we can help you.

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