You've finished saving
Well done for hitting this key milestone, and thanks for being on the journey with us.
But it's not the end! Now it's time to decide what to do once you reach your maturity date (1 February 2026, unless you took a savings break). Buy Flutter shares at a discounted share price or take your money back.
You'll need to make your decision between 2 February and 31 July 2026. If you took a savings break, your maturity date will be extended by one month for each month you paused saving.
As a reminder, your discounted share price is €96.98 per share (25% off the market price when you joined in 2022). Since then, the market price for our shares has increased. If it remains higher than your discounted price, you have the opportunity to make a profit from Sharesave!
You can see our current share price here, and explore different scenarios using the calculator below.
Your options
Buy shares at the discounted price and keep some of them
(Sell to cover)
Become a Flutter shareholder – when Flutter grows, the value of your shares could grow further too. You decide if and when to sell your shares in the future. You will sell enough shares to cover the cost of buying the shares, any taxes and fees to be withheld by Flutter.
Buy shares at the discounted price and sell them straight away
(Exercise and sell)
If our share price is higher than €96.98, you could make a gain and profit from our success immediately – subject to fees and tax. Funds will reach you in 2-5 working days.
Take back your savings as cash in full
(Withdraw)
Personal circumstances or market conditions may mean that buying shares isn't right for you this time. Make your money work for you in other ways!
A quick reminder
If you don't take any action by the end of your six-month decision window, you will lose the opportunity to buy Flutter shares at your discounted price. You'll still get all your savings back, but you will no longer be able to buy shares.
What your savings could be worth
Discover what your discounted shares could be worth today and see how their value might change as the market moves. Exploring different scenarios in this way can help you decide what's right for you.
Coming in the next couple of weeks our calculator will show what your shares could be worth if you choose to "Exercise and sell" immediately.
To see what the value could be if you choose "Sell to cover", you can login to EquatePlus and view the transaction via your task, before you click the "Place order" button on the Summary screen.
Understanding tax
In some countries, you may need to pay tax when buying shares as part of Sharesave. You may also need to pay tax if you make a profit when you sell your shares.
To understand how tax may apply to Sharesave in your location:
- See the 'Sharesave by location' section in your Sharesave brochure
- See your country-specific tax guide, provided by Morgan Stanley at Work
Please note that tax rules differ by country and depend on individual circumstances. This website provides general information only and does not provide tax advice. Tax laws and regulations may change over time.
Q&A – Your questions answered
When your 2022 Sharesave comes to an end, you have three choices (these choices may differ from previous years):
- Buy Flutter shares at €96.98 and sell all of them straight away (Exercise and sell)*
- Buy Flutter shares at €96.98 per share and keep some of the shares in your EquatePlus account (Sell to cover)*
- Take all your savings back as cash (withdraw).
* In each case, enough shares will be sold to cover the cost of buying the shares (at current FX rates). This sale will also cover any shortfall where the value of your savings has fallen so that you benefit from the original number of shares allocated to you. Your actual savings will be returned to you separately. Shares will also be sold to cover any taxes due which must be withheld by your employing company, as well as fees for selling shares.
It will not be possible to buy and hold all the shares.
The Flutter shares you are buying are traded in GBP (US$ for employees in Canada) and any sale will be at the market price at the time you place your instruction.
You'll be able to explore all options on EquatePlus once Sharesave ends.
When you joined the 2022 Sharesave, the Flutter share price was €129. We then applied a 25% discount, reducing the price to €96.98. This is the amount that was fixed at the start of Sharesave 2022. This price was set in Euros as at the time Flutter shares were trading on the Euronext. Flutter shares are no longer traded on the Euronext. Instead, you will buy shares on the London Stock Exchange (NYSE for employees in Canada) and these shares are traded in GBP (US$ for Canada). You will buy the same number of shares that were originally allocated to you at the GBP (US$ for Canada) equivalent price of €96.98 (using the FX rate on the date you buy the shares). Please note that enough shares will be sold to cover the cost of buying the shares so you won't be able to keep the full amount of shares originally allocated to you. Your savings will be returned to you separately, or if held in a personal savings account you can withdraw the savings at any time.
Once your 2022 Sharesave comes to an end, you have six months to decide what to do. Your decision window opens on 2 February 2026 and closes on 31 July 2026.
If you took a savings break, you will be saving for an additional month for every month you took a break – and so your decision window starts and ends a month later too.
For example: you took a 3-month savings break. You will keep saving until your March 2026 pay. Your Sharesave decision window will open on 1 May 2026, and close on 31 October 2026.
If you decide to buy and immediately sell your shares, the cash amount you receive will depend on the Flutter share price at the time you request to buy the shares. Since the share price can go up or down during these six months, you'll need to decide when the best time is for you to take action. The more the share price has increased from the discounted price set at the start of Sharesave, the bigger your cash gain will be.
When your decision window closes, you'll lose your right to buy Flutter shares at your discounted price of €96.98. Your only option will be to request a refund of savings on EquatePlus.
You must make your decision at equateplus.com. Log in, choose what you wish to do, and follow the on-screen instructions.
If you have any issues logging in, please see the Help section on the login page.
Once logged in, if you need help navigating your account, please see Computershare's step-by-step guide to using EquatePlus. This can be found under the 'Help' section on the EquatePlus homepage.
If you're not sure which option is right for you, take some time to explore your choices and think about what best fits your personal circumstances.
Nudge, our financial education platform, can help you to learn more about financial health and resilience, so you can make a holistic decision. You may also wish to seek independent financial advice from a qualified adviser in your country.
During Sharesave, you can pause your monthly contributions for up to six months. If you do, your plan will be extended by one month for each contribution you paused. You'll still save the full amount, and you'll have six months from your new end date (maturity date) to make your decision.
If your plan is due to end after February 2026, we'll get in touch nearer the time to confirm your updated end date. You can also log in to EquatePlus at any time to check your expected end date.
If you paused more than six contributions, your Sharesave was closed, meaning you don't have the option to buy shares. If you've not received your savings back, you can request these by logging into EquatePlus.
If you left Flutter before you finished saving, your choices now would depend on why you left.
| Qualifying reason | Non-qualifying reason | |
|---|---|---|
| Why you left | Retirement Ill health Redundancy |
Resignation Dismissal |
| What to expect | You were allowed to continue saving for up to 6 months after you left or until the time you would normally finish saving – whichever comes first. You then had the opportunity to take your savings back in full or use your savings to buy Flutter shares at the discounted price. If you chose to buy your Flutter shares, you needed to do this within six months of leaving Flutter. |
You should have received your savings back in full when you left. If you've not received your savings back, you can request these by logging into EquatePlus. You won't have the opportunity to buy Flutter shares at the discounted price. |
If you leave Flutter during the decision window, in most circumstances you'll still be able to use your savings to buy Flutter shares at the discounted price or withdraw your savings. Your six-month decision window stays the same (6 months from the Maturity Date), whatever your reason for leaving.
Everything you need to view and manage your 2022 Sharesave is available in your EquatePlus account. There you can see:
- Your original contribution amount.
- How many shares you can buy at the €96.98 fixed price.
If you want to see what that could look like for you, use our calculator above.
Need some help navigating your EquatePlus account? Please see Computershare's step-by-step guide to using EquatePlus. This can be found under the Help section on the EquatePlus homepage.
Depending on which country you're in, your savings will either be held in a bank account operated by Flutter, in a local bank account operated by your employing company or in your own bank account.
If your savings are held in your own bank account, you'll be able to check your account to see how much you've saved. If your savings are held on your behalf, you'll be able to check your payslips to see how much you've saved since the plan started.
No – you can't split your savings between buying shares and taking cash. With Sharesave, you can either use all your savings to buy shares or withdraw your savings in full.
Withdrawing your savings counts as choosing not to buy shares. If you do take back your savings you won't be able to buy shares.
Currency exchange rates, also called FX, can have an impact on the value of your Sharesave. Flutter shares are traded in Great British Pounds (GBP) or US Dollars (US$) for employees in Canada. The discounted share price was set in Euros (EUR). Your Sharesave savings will be in your local currency (you can see the currency of your savings on EquatePlus).
If you choose to buy the shares they will be automatically bought and some sold to cover the option cost (cost of buying the shares), along with broker fees for selling the shares and any taxes. The remaining proceeds will be converted back into your local currency and returned to you.
If you use your Sharesave savings to buy Flutter shares at the discounted price, we will firstly calculate the value of your savings in GBP (US$ for Canada). How much your savings are worth in GBP or US$ will depend on the exchange rate at the time. We will also convert the €96.98 discounted price into GPB (US$) using the same exchange rate. See the calculator for further detail.
If the exchange rate is low, the value of your savings in your currency may not cover the cost of buying all your Flutter shares at the discounted GBP price (US$ for Canada). Any shortfall will be paid for by selling enough of your shares to cover it. The calculator explains this in more detail.
If the exchange rate is high, the value of your savings in your currency will be more than enough to buy your Flutter shares at the discounted price. Any excess money beyond the amount required to buy your shares will be returned to you as part of the transaction.
If you want to see what that could look like for you, use our calculator above.
Any money made from selling your shares will be in GBP. (US$ for Canada). This will then be converted to your requested currency, at the exchange rate at the time of transfer, to your bank account.
Yes. Once the shares are in your EquatePlus account, you can sell some or all of your shares whenever you choose – subject to charges. You can see our current share price here, or when you sign into your EquatePlus account. Further taxes may be due.
There are exceptions for restricted employees, who will need to request clearance before trading – see Section 5: Trading restrictions for more information.
You can buy your shares through your EquatePlus account. As part of the transaction, enough shares will be sold to cover the following:
- the cost of buying the shares (option costs)
- any taxes to be withheld by your employing company
- any fees such as broker commission and bank transfer fees
The savings you have made are not used to buy your shares and they will be returned to you through your payroll. Please allow 4-6 weeks from when you buy your Flutter shares for this to happen. If your savings are held in your own personal bank account, you can take your savings from the account at any time after you've bought the shares.
When Sharesave ends, log into your account and follow the on-screen steps to buy some of your shares.
You can decide when to sell some or all of your remaining shares. Be aware that Flutter's share price can move up and down, so the value of your shares may change over time. However, unless you choose to sell your shares at a loss, any fall in value is only a loss on paper.
If you prefer not to hold onto your shares, you can also choose to buy and sell them straight away.
You will buy shares on the London Stock Exchange, and these shares are traded in GBP. For employees taking part in Canada the shares will be traded on the NYSE, and they are traded in US$.
You can choose to buy Flutter shares at €96.98 and sell all of them straight away. Login and follow the on-screen steps to place an "Exercise and sell" instruction via your Tasks.
If you choose to buy Flutter shares at €96.98 and keep some of them ("Sell to cover" instruction via your Tasks), your shares will be available in your Share Plan Account (SPA) tile on EquatePlus within 2 working days of your transaction. You can then sell them at any time. Login and follow the on-screen steps to place a sale instruction via your SPA tile.
Your shares will be traded in a different currency (see 2.7 for further detail). However, your proceeds will be paid to you in the currency as per the bank account registered on EquatePlus, under Financial Details. The funds from the sale will normally reach your bank account within 2 – 5 working days.
Please be aware that Computershare will charge you a fee of 0.35% of the sale value of your shares each time you sell some shares, with a minimum fee of £25 (US$35 in Canada). There may also be a fee to transfer the funds to your account. You can find out about all fees by going to your Equateplus account and navigating to Library > Documents > Agreements.
You'll need to make sure your bank details are up to date on your EquatePlus account.
Login to EquatePlus and go to your Profile picture (top right) and select 'Financial details' from the drop-down menu. This is where you can:
- Add a new bank account. Click 'Add new bank account' at the top right-hand of the screen.
- Review your bank account details. Click 'Edit account' under the relevant account name and follow the onscreen instructions.
No. Once you've instructed Computershare to buy or sell shares, the transaction can't be reversed.
Depending on where you live, tax may apply when you buy shares using your Sharesave savings. In some countries, buying shares is not taxed, while in others tax may be due on the difference between:
- The price you pay to buy the shares, and
- The market value of the shares when you receive them.
Where Flutter is obliged to collect the taxes, enough shares will be sold to cover these taxes.
Tax rules vary by country. To understand how tax may apply where you live, see the 'Sharesave by location' section in your Sharesave brochure. You can also find more information by visiting the Understanding tax section on this page, which includes a link to country-specific tax guides provided by Morgan Stanley at Work.
If you keep some of your shares, you may need to pay tax when you eventually choose to sell them. This depends on the tax rules where you live, but may include Capital Gains Tax if you sell them for more than their market value when you bought them. To understand how tax may apply where you live, see the 'Sharesave by location' section in your Sharesave brochure. You can also find more information by visiting the Understanding tax section on this page, which includes a link to country-specific tax guides provided by Morgan Stanley at Work.
No – your savings are your own money, and there is no tax applicable.
If you choose to buy shares with your Sharesave savings, you may be able to transfer them from your EquatePlus account to another account or provider, depending on where you live and the options available in your country.
You'll be able to see your shares once they arrive in your EquatePlus account by clicking on the Share Plan Account tile. From there, you'll also be able to see the transfer options available. The types of transfers that are possible, and any tax that may apply, vary by country and depend on local rules.
Before you can transfer your shares from EquatePlus, you'll need to add your broker details. You can do this from your EquatePlus account, by clicking on the Profile picture at the top right of the screen and selecting 'Financial details' from the drop-down menu.
- Add a new brokerage account. Scroll down the screen to find the 'Add new brokerage account' link.
- Edit your brokerage account. Click on 'Edit account' under the relevant account name, and follow the onscreen instructions.
There will be a broker transfer fee of £30/€35/$35 per transfer, depending on your country. You'll need to pay this with a credit card when you request the transfer. You can find out about all fees by going to your Equateplus account and navigating to Library > Documents > Agreements.
In some countries, it may be possible to transfer shares to a spouse or another individual.
If you wish to explore this option, you should first check the local rules that apply where you live along with the tax guide provided by Morgan Stanley. Once your shares appear in your EquatePlus account, you can contact Computershare, who can explain the process and confirm what information is needed to arrange a transfer, if this is possible.
You may also wish to seek independent financial advice from a qualified adviser in your country if you'd like personal guidance about transferring shares to other individuals.
Most colleagues can buy and sell Flutter shares when they wish. Some colleagues will need special permission if they are classified as a Restricted Person, which means you must request clearance before you trade. You can do this via the "Dealing Request function" on Insidertrack before placing your instruction on EquatePlus. You can only trade during a trading window.
You will have received an email from InsiderTrack (flutter@insidertrack.net) to notify you if you are a Restricted Person. You will also receive a communication from InsiderTrack notifying you when Flutter trading windows open or close.
To access InsiderTrack, if you have Single Sign On (SSO) then click on the InsiderTrack tile in your apps. If you do not have SSO user access, then follow the link: https://www.flutterinsiders.com/portallogon – all Restricted Persons will have previously been sent a username (which is your email address) and password and must complete the required account information. Once logged in, click on “Request to deal”, fill out the form and submit.
A response will typically be given within 2 business days from submission, therefore ensure sufficient time is allowed for this. If clearance to deal is given, a notification with a clearance to deal window will be provided to you by a member of the Company Secretariat team. An instruction via EquatePlus can only be made within that clearance to deal window. If the clearance to deal window ends and an instruction has not been given, then clearance will need to be reapplied for. If you subsequently become aware that you may be in possession of inside information and/or material non-public information you must not deal (regardless of having obtained clearance) and must inform the Company Secretariat team immediately.
If you have any questions about being a Restricted Person or around permission to deal, or if you need your password re-set, please contact cosec@flutter.com.
You can log into your account here: EquatePlus.
If you are experiencing difficulties logging in or managing your EquatePlus account you can contact the Computershare team at:
- United Kingdom: +44 117 471 5342
- United States: +1 877 505 8457
- Ireland: +353 1800 817 323
- Australia: +61 1800 573 368
The plus "+" sign is an international exit code. You can replace it with the exit code of the country from which you are calling. For example: if dialling from India, you may replace + with 00 followed by 91 (the dialling code for India) and dial 0091 117 471 5342.
Resources
Maturity Brochure
Links utli
Gwida tat-Taxxa tal-Pajjiżi (Ingliż)
Żur is-sit webYour account
EquatePlus is our share plan platform. It's run by Computershare, our share plans administrator.
Head to EquatePlus to:
- See your original contribution amount
- Confirm how many shares you can buy
- Check your personal and bank details are up to date
Access your EquatePlus account
Visit EquatePlusNeed some help navigating your account?
Check out the Help tab on EquatePlus.
Aċċessa EquatePlus waqt li tkun għaddej?
Niżżel l-app ta' EquateMobile biex taċċessa l-kont tiegħek u tingħaqad
Sapport
Għal kwalunkwe għajnuna biex taċċessa jew timmaniġġja l-kont ta' EquatePlus tiegħek, ikkuntattja lit-tim ta' Computershare:
United Kingdom
+44 117 471 5342
United States
+1 877 505 8457
The plus "+" sign is an international exit code. You can replace it with the exit code of the country from which you are calling.
For example: if dialling from India, you may replace + with 00 followed by 91 (the dialling code for India) and dial 0091 117 471 5342.
Jekk għandek xi mistoqsijiet oħra, ibgħat sempliċement email lit-tim:
Disclaimer
- This site is intended to provide information and not advice. No member of Flutter or any of their officers, employees, agents or representatives is giving you investment, tax or other advice in relation to Sharesave.
- Whether or not you decide to buy shares is a personal decision which will have no impact on your employment relationship and is a personal decision.
- The value of Flutter shares can go down as well as up.
- You may wish to seek independent, professional financial and/or tax advice if you need tailored advice specific to your circumstances.
- The information provided on this website and other communications is provided in good faith. If it conflicts with any official documentation or applicable legislation, they will prevail.