• We are proud contributors to:
  • Contractoruk.com
  • Shout99.com
  • Telegraph.co.uk


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We take care of all your compliance needs so that you don’t have to worry about breaking the law and incurring penalties and fines.


We get you paid accurately and on time by using the latest technology and the banking skills of UBS AG.


We make sure that you pay the right amount of tax, neither more than you need to, nor less than you must.
Global Contract Management

15 Years’
Experience & Expertise


A complete payroll, tax, social security and immigration solution for corporate clients, agencies and contractors worldwide. We ensure contractors can work in any country in which we operate, and our agencies and corporate clients can recruit talent from all over the world without any legal and administrative limitations.

AF is a contract management company. We will explain what this means and how we can help you if you are a contractor, a recruitment business that places contractors or a client who utilises the services of contractors.

We begin with the definition of a contractor. A contractor is someone who provides service or services to a client as an interim measure. In most case, this means that the contractor receives a fixed-term contract which the client may or may not extend. In some cases, the contract may be open-ended. The common feature is that neither the contractor nor the client intends that the role is permanent.

Contrast this with a typical contract of employment where the parties to the relationship expect it to endure. And where there is:

  • a master-servant relationship with a degree of control over the work or
  • restriction on the employee substituting someone in his place or
  • mutuality of obligation – both to continue to offer work, and for the employee to take it.

A contract management company steps in the chain before the contractor to ensure the parties adhere to the contract terms; make sure that the contractor is compliant in the country where the work is performed and, importantly, also back home. This layer assures the client and the recruitment company of recourse from breach of contract.



We change the contracting & payroll landscape one contractor at a time

International Contract Management Company


We take care of all the legalities related to self-employment, employment, using one’s PSC, immigration, social security, and taxation. We also help you to maximise your take-home pay via any legal means, making sure you fully benefit from your work.


  • Achieve the highest level of income retention possible using only legitimate and transparent methods.
  • Assist you to obtain a work permit in up to 20 countries, either by working as an employee or as a self-employed person.
  • Ensure that your tax, social security, VAT and immigration affairs are all handled compliantly in the countries you work in as well as at home, in accordance with the Criminal Finances Act 2017.

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We increase your profitability by helping you source and place candidates from and in at least 70 countries. We help you to de-risk working cross-border.


  • All the tax, social security, VAT and immigration aspects of a contract are handled compliantly, for you and your contractors.
  • Our range of compliant solutions enable us to keep your contractors happy by matching the payment structure to their circumstances.
  • We make sure that your contractors obtain the highest retention legally possible, which gives you a competitive edge over your competitors.

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Once you have sourced the talent that you need, regardless of where the contractor in question comes from, we facilitate the transfer of your skilled people from one country to another, without your having to worry about any legal non-compliance issues.


  • Be sure that your contractors and local employees work compliantly in up to 60 countries.
  • Avoid the cost of setting up and running local entities to employ your external workforce.

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Our network of 30 group companies and 100 local partners and our success in having dealt with almost 2,000 recruitment businesses, 4,000 end clients and assisted 15,000 contractors are unparalleled.


CONFIDENTIALITYAs we have our headquarters in Switzerland and all our data located there, we are subject to Swiss confidentiality laws, which are regarded as the world's strictest.

COMPREHENSIVE MANAGEMENT FEES No hidden bills; no startup fees; no penalties for contract termination; no charges for professional advice.

FAST PAYMENT We pay you within one working day from receipt of funds from your recruitment agency or client and send you an immediate payment notification.


WORLD CLASS CUSTOMER SUPPORTYou are looked after throughout your assignment by your dedicated service team who are specialised in your work country.

QUALIFIED TO HELPOur Chief Executive is a qualified Chartered Accountant, Chartered Certified Accountant, Certified Public Accountant, Fellow of the Institute of Management and an International Accountant.

BREXIT READYWe are the most Brexit ready international management company with staffed offices in the UK, Luxembourg, Germany, Switzerland, China, India, Cyprus and Spain.

Need help? Speak to our excellent customer support team


Most contract management companies operate in a single country, and most of those tend to offer only one solution. For a client, recruitment business or contractor this can be a nuisance as they may deal in countries that are not their home state and before you know where you are, you are dealing with a myriad of suppliers. The further downside is that when working around the world, contractors need to keep their affairs in order where they work as well as where they live.

With a global provider like AF, we have ten offices around the world in Switzerland, Luxembourg, the United Kingdom, Germany, China, Malaysia, Cyprus, Spain and India. While we do not span the globe, we cover many vital markets.

International Contract Management Company

While we have talked about extensive coverage, this is not everything. When much of your business is cross-border, you build unparalleled expertise in the interplay of the laws between the various countries. These areas are arcane and a mystery to many accountants, umbrella companies and the like specialising in but one market. To AF, they are our bread-and-butter, and we deal with them every day. We doubt another comparable organisation has the same experience as we do in:

  • Double tax treaties
  • Social Security (Totalization) Treaties
  • Certificate of coverage A1s and other Ce
  • Local billing to avoid unnecessary Withholding Taxes
  • Expatriate and Impatriate Tax Regimes
  • Use of limited companies (PSCs) as attractive contractor vehicles

We have a long-standing history as the go-to international contract management company for information and advice. That, coupled with our love of communicating in simple terms to our audience, is likely the reason we are called on to contribute to ContractorUK, Shout 99, The Telegraph and the Financial Times and other accounting publications.

Summing Up

If your concerns are domestic, international, global or cross-border contractor-related, then we do urge you to speak to us at AF when we are always happy to help, where we can.


Don't take our word for it – look, what our clients have to say

I thank you and all at AFs for your professionalism and kindness during my project at Catania. I wish you a happy 2018 and in case I will need an umbrella company, I know that I can count on you. Again, thank you very much!
Nicola Manghisi

As usual thanks for your professional proactivity

Bond James
First of all I would like to thank all your colleague who help me and supported me during the last 2 years of collaboration, in additional I would like express all my gratitude to you. Your excellent job and your professionalism have been really appreciated, thank you again for all your effort and for the great quality of the work delivered!
Tiziano Borrelli
In +15y of international freelance experience, for me, Access Financial Services is an excellent accounting company in the market, your high quality services, your professionalism and your excellent customer service make of you one best company operating in this sector. I had been very lucky to been assigned to you, your support and your guidance are simply perfect
Tiziano Borrelli
I appreciate very much what Access does. It was a pleasure for me. I hope we can meet for some longer time in the future. Thank you very much
Jakub Juranek
I worked with 4-5 Mgnt companies in last 7 years but I would say AFS is the best. As a consultant, on monthly basis we always come across the situation to follow payments with Agency/Mgnt companies. AFS portal FORTUNA has been great and easy tool to upload documents and tracking payments. DocuSign was helpful to sign contracts as it was a lot of hassle to find scanner/printer.
Naresh Bandaru

Thank you very much and yes I was very satisfied with Team Row´s services in the past 2 years and will absolutely take your services in the future if the occasion arises

Naresh Bandaru
Thank you very much for your outstanding follow-up. I will be in touch with Access Financial for my futures contracts for sure. Excellent service and no difficulties faced while working with AFSS. I had no issues at all and will definitely recommend AFSS to my friends/colleagues/agencies.
Vivian D'Agosto
Dear All in AFSS, I like your style! You know how to touch the heart of your employees.
Tiziano Borrelli
I`m happy to be working with Access Financial again. I finished my previous contract almost one year ago and was so satisfied that for this contract I thought of you again and the services provided. Thanks for all and wishing for the same.
Joaquin Copete Garcia

I want to thank AFS , Team Germany, Team Europe and Team India for working with me and making my life simpler during my work in Netherlands and Germany. Thanks a lot for all the support.

Manish Gupta
I am delighted to work with AFS and Team France since 2014 and I have got the best attention indeed. I would gladly recommend you to any contractors in Europe and UK. Thanks and Best regards
Amit Kumar Rao
My friend Alireza was asking around about a financial solution for his business and could not think of better than your solutions in access financial.
Hesham Mazarawi
It was my pleasure to work with you and the services exceeded my expectation. Was very satisfied as everything went well. All the services were excellent especially the flexibility, fast response, on-time payment and always supportive in a special request. So \”Keep up the good work and process!\”. Will also recommend Access to my friend/colleagues/agencies.
Faridh Tamzis
a) Were you satisfied with our services? Yes, very good Service
b) Any difficulties you faced while working with us ? No difficulties
c) Any suggestions you would like to give on how we can improve our services? Its already good.
d) Would you recommend Access to your friend/colleagues/agencies? Yes offcourse
Muhammad Ali Khan
It has been a wonderful time, and I would like to thank you all for the great and professional service you had through all this period. On a very genuine note, you had exceptional service, very fast, and professional, and I want to thank you for that.
Gil Fromovitch

I’ve had only good experience in dealing with AFSS, so if I’m in need of a payroll solution in future I will be in touch again and I will happily recommend AFSS to contractor colleagues.

Roy Harris
Your company is the only one so far that is explaining the entire truth and useful information when we (contractors) need them the most and, in the real-time. I honestly believe that it is worth doing businesses with your company. As for myself, I have all to gain by using your services and I will continue to do so. Thank you for your great cooperation.
John Pereira
I want to tell you that I have been very happy with the speed and quality of service that you provide. If there is a place / weblink to provide a feedback – then please let me know. I will put full 5 Stars there.
Mahesh Chand Nagar

This is the first time I have used a company like Access Financial and I was very satisfied with the service I received. I would happily recommend Access Financial to anybody working in the same way as I was.My agency could learn a lot from the way you operate and consider your personnel.Thank you for your help and service for the last three years.

Niall Middlehurst

I was satisfied with your services and faced no difficulties while working with you. Service was very efficient. Will definitely recommend you to my friends, colleagues and agencies.

Richard Simpson

Dear Access Financial,many thanks for the peace of mind you have given for the whole year with your prompt and proactive services. I was comfortable with my money matters due to your hard work and your reliable financial services for past 6 years. I could not find a single glitch from your side, which is considered to be amazing in this chaotic world. Keep up the good work.

Syam Thupurani
Thanks for the introduction and I look forward to a blissful relationship with Access Financial.
Opeyemi Familade
I would like to wish and thank you for your time and efforts over the past 18 months. The service I have received from you has been timely, flexible and easy. I am extremely pleased with our association and hope it will continue into the future.
Thank you very much for your email, my choice is access financial is because last time that we worked together all the guys were professional and every time that I need a solution they come with it. I will gladly recommend you guys to my friends as a very good company in fact some of my friends all ready is working with you.
Iulian Rafael Pirtea
a) Were you satisfied with our services ? Yes
b) Any difficulties you faced while working with us ? No difficulties
c) Any suggestions you would like to give on how we can improve our services ? No, I was happy with the service provided by AFS.
d) Would you recommend Access to your friend/colleagues/agencies? Yes
Gabor Thaisz
I would like to thank all of you at AFSS for your excellent support and cooperation. Greatly appreciate your time and effort in being very responsive to the requirements under my assignment. It is indeed a real pleasure to work with all of you. Wish you continued success in all your endeavours.
Dr. Sudhakar Kurapati
I contracted with AFI in Germany for over a year. I found the team to be highly committed and delivered all that they promised. All questions or concerns I may have had working in a Non-English speaking country were dealt with promptly. I would be happy to work with them again given a choice, and I surely recommend them for their services.
Erra Ravikiran
I do hope to work with you again in the future. From a personal point of view, your service has been excellent.
John Kitney

I would like to express my thanks to you and the team for all the help and support in these past few years and I have always found your services to be extremely professional and valuable.

Veronica Buffoni

I’m very grateful for the service and team that has been assembled to assist in the processing of this complex process. Thank you very much and so far, I’ve been very impressed and will surely get the word out to my network of people around the world how professional Access Financial Services has been since the very beginning.

Arthur Hass

Actually it is me who has to thank you guys. You have been brilliant and definitely a service I would recommend to any other contractor looking to go a 100% legitimate way. There are too many companies out there promising schemes that are not legitimate and in some cases completely illegal. In addition to the service you have also been very quick to respond to queries and requests for information. I do look forward to working with you guys again in the future.

Ronan Cashell

It has been wonderful working with such a professional company like AFS.You have all given me the extra help whenever needed (letters for immigrations and housing funds).

Lou Tian Xiang

We have our experiences with you and we think that changes must not be made; continue working as you do now.

Michael Demol

As I said before, I am very impressed with the quick transactions of Access Financial. After 13 years contracting, I expect to wait 30-60 days for payment. You are a refreshing change!

Andy Taylor

Thank you very much for your warm welcome. I feel like return back to home after a long brake of 6 months. Working with AFSS is not a new experience for me as we have worked together for more than a year during my assignments at Vestas and AKZO. Once again, I really appreciate your approach.

Youli Karlatira

Your services have been very good and very much appreciated. All my questions have been answered satisfactorily.

John Mackay

Today is my last working day with MHC/Access Financial.
I had a very good time with you guys and everything was managed smoothly without any complications.
Harnoor, I won`t forget your proactive and detailed response everytime I reached out to you. Thank you!!
Guys, I just wanted to say thanks for everything. Please keep in touch.

Jagadish Sahoo


Choose Access Financial as your contract management company because:

  • AF indemnifies the recruitment business and its clients from tax non- compliance.
  • AF gives a satisfaction guarantee for contractors who are not completely satisfied with our product or service where a refund will be made.
  • AF promises confidently that the contractor will not pay more tax and social security than is legally required.

*We are not acting solely as paying agents, it is limited to cases where Access Financial is at fault.

Contract Management Company


Contact Access Financial freely to know whether you are properly covered for health or indemnity protection.

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Contact Access Financial freely to know whether your tax, social security and immigration affairs are a risk to you, your agency or end client.

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Let’s make an informed decision