Working as a security officer in the UK has always been more than just a job – it’s a career built on responsibility, professionalism, and trust. But as the industry evolves in 2025, so do the ways you can be employed. One of the most common questions security professionals face today is: Security Contractor or PAYE in 2025 – which option should I choose?
Both options come with unique benefits and challenges, and the right choice depends on your personal goals, financial situation, and career path. Let’s break it down.
What Does It Mean to Be a PAYE Employee?
PAYE (Pay As You Earn) is the standard employment model in the UK. If you work PAYE, you are directly employed by a company, and they handle your tax, National Insurance, and pension contributions.
Benefits of PAYE:
Job security: Regular hours, predictable pay, and guaranteed holiday entitlements.
Pensions & benefits: Auto-enrolment into workplace pensions, sick pay, and in some cases, additional company perks.
Less admin: No need to handle your own taxes or accounting.
Legal protections: Strong employment rights under UK law, including protection from unfair dismissal.
Drawbacks of PAYE:
Less flexibility: Work schedules are usually fixed.
Lower take-home pay (sometimes): Compared to contractors, PAYE workers may take home slightly less due to tax structures.
What Does It Mean to Work as a Security Contractor?
Contractors are typically self-employed or work through a limited company/umbrella company. You’ll often be paid a higher hourly rate, but you’re responsible for managing your own tax and finances.
Benefits of Contracting:
Higher earning potential: Hourly rates can be more competitive.
Flexibility: Choose when and where you work.
Control: More freedom to negotiate terms with employers.
Opportunities: Access to specialist roles or short-term contracts that might not be available to PAYE staff.
Drawbacks of Contracting:
No guaranteed work: You’re responsible for finding contracts.
No benefits: Sick pay, holiday pay, and pensions don’t come automatically.
Tax admin: You’ll need to manage your accounts or pay an accountant.
Less legal protection: Contractors don’t enjoy the same rights as PAYE employees.
Key Changes for 2025
The UK security industry continues to modernise, and with it, employment rules and regulations:
IR35 awareness: Contractors must carefully consider their tax status and whether they fall inside or outside IR35 legislation.
Rising compliance standards: Employers are under more pressure to ensure fair treatment of officers, whether PAYE or contract.
Demand for flexibility: Post-pandemic, more companies are open to hybrid models of employment, combining stable PAYE staff with contractors for peak demand.
Which Option Is Right for You?
The decision between PAYE and contracting isn’t one-size-fits-all. Here’s how to decide:
Choose PAYE if: You value stability, want guaranteed rights and benefits, and prefer to avoid handling tax paperwork.
Choose Contracting if: You want flexibility, can manage the risks of irregular work, and feel comfortable handling (or outsourcing) tax responsibilities.
Final Thoughts
At Safer by London Security College, we believe that every security officer should feel informed and empowered to make the right career choices. Whether you prefer the stability of PAYE or the freedom of contracting, the most important thing is understanding what works best for your lifestyle and long-term goals.
Tip: Always speak to a professional accountant or employment advisor before making your decision.
Build Your Future with SIA-Approved Training
The Security Industry Authority (SIA) plays a vital role in regulating the UK’s private security sector. To work legally as a licensed officer—whether you choose PAYE or become a contractor—you need recognised SIA training.
At London Security College, we offer a full range of SIA courses designed to prepare you for today’s industry standards in 2025 and beyond. From the SIA Door Supervisor Course, SIA Security Guard, and SIA CCTV Course, our programs combine expert teaching, compliance knowledge, and real-world skills that employers look for.
If you’re ready to take the next step in your career, explore our SIA Training Courses and ensure you’re fully licensed, compliant, and confident in your role.