Faq’s

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• Do I need to be self employed to register for CIS?
• What is My-CIS?
• Can CIS sub-contractors claim business expenses?
• What should I do to become registered with My-CIS?
• What insurance cover do I have with My-CIS?
• How does My-CIS receive my wages?
• Am I entitled to holiday pay with a CIS?
• What happens if I move on to PAYE?
• How will my tax deductions be calculated?
• What do you mean by verification?
• Does My-CIS pay my National Insurance with a CIS?
• Must I register for the CIS scheme myself or can you do it?
• How and when do I get paid through My-CIS?

Do I need to be self employed to register for CIS?
Yes, you need to be self employed. Once your self employed status is established you should then complete your registration with HMRC on 0845 915 4515. You will need to know your National Insurance number and the date you started working as self employed. If you tell HMRC that you wish to work within the Construction Industry Scheme you will be automatically registered for CIS. If for any reason you are not registered automatically you should ring the CIS helpline on 0845 366 7899 and register over the phone.

What is My-CIS?
My-CIS is registered under the Construction Industry Scheme and is authorised to pay sub-contractors in accordance with the scheme.
My-CIS will process your CIS payments based on the information supplied by your agency. We will administer a processing charge for this service and pay your net wages to your specified bank account. My-CIS will help you with advice and support during the year. My-CIS Accountancy partner also offers a discounted tax return service to those registered under the scheme.
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Can CIS sub-contractors claim business expenses?
Yes, if you are a self employed contractor you are able to submit your expenses at the end of the tax year through your self assessment tax return. My-CIS provides a detailed breakdown of the expenses you can offset. You will be required to keep all of your receipts acquired during the tax year.
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What should I do to become registered with My-CIS?
You will need complete an application to register for the CIS scheme via HMRC. Once this is established, you will become eligible to register with My-CIS. You can then complete our registration form or telephone us in order to register you and we will forward you our required documents to complete the process. These documents must be completed and returned to My-CIS before any payments are processed, our customer service team will assist with any questions that you may have.
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What insurance cover do I have with My-CIS?
Most importantly you will need to have Employers Liability and Public Liability insurance which is a legal requirement. My-CIS will provide these insurances free of charge. It is imperative that you have these insurances unless you already have adequate cover in place which you will need to show. We also provide an option at a low cost to take out Professional Indemnity Insurance (PII) & Personal Accident Cover, if required, through My-CIS.
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How does My-CIS receive my wages?
By signing our registration document you give authorisation for My-CIS to invoice your agency and receive funds, on your behalf, for your wages. The amount you are paid will be determined by the data sent from your client to your agency.
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Am I entitled to holiday pay with a CIS?
No, as you are a self employed person you will not receive holiday pay as an employee would.
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What happens if I move on to PAYE?
In this instance, if your employment status changes, you can very easily be transferred to My-Umbrella (our umbrella service) at no cost. You would need to fill in a simple application form to get started. This option continues to allow you to maximise your pay each week.
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How will my tax deductions be calculated?
The deductions are specified by HMRC who will give you a tax status when you register for the CIS scheme. My-CIS will verify your status with HMRC and will apply the specified deductions at the rate they have set.
In order for us to correctly make these deductions, it is important that we receive certain information on your registration forms, specifically you Unique Tax Reference and National Insurance number which we can use to verify you CIS status. If this information is missing and we cannot verify your status we are forced to make deductions at the higher rate of 30%. This should be avoided as any overpayments cannot be recovered until the end of the tax year as part of your self assessment. The current rates of Deduction are as follows:
• 30% for an unverified and higher rate contractors
• 20 % for standard rate contractors
• 0% for gross rate contractors
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What do you mean by verification?
It is a legal requirement that all CIS contractors must be verified with the HMRC.
When you register as self-employed the HMRC will issue you with a Unique Tax Reference Number (UTR). This can take up to four weeks but once you have your UTR and National Insurance Number (NINO) you can then register for the CIS scheme over the phone on 0845 366 7899.
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Does My-CIS pay my National Insurance with a CIS?
No, when you register with HMRC as self employed, they will ask you to pay your National Insurance contribution direct to them by direct debit.
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Must I register for the CIS scheme myself or can you do it?
You must register for CIS personally, as soon as you decide to become Self Employed you need to contact the CIS helpline on 0845 366 7899 between 8.00am and 8.00pm and register with them. To complete this process you will need to provide them with your Unique Tax Reference and National Insurance Number.
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How and when do I get paid through My-CIS?
Provided your pay data and monies are received from the agency for the previous weeks work before 1pm on the following Wednesday, we will process payments on the same day and your weeks pay will be in your bank account on the Friday. It is possible to make a special payment on Friday if for some reason the agency misses the Wednesday deadline but there is a charge for this service.
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