The short version: A CIS card proves you’re registered under the Construction Industry Scheme. It shows contractors you’re a registered self employed construction worker and helps you get paid correctly.
How does it work?
When you’re registered for CIS, contractors deduct tax from your pay before handing it over. The standard deduction is lower if you’re registered than if you’re not. Without registration, you’ll have more tax taken upfront.
At the end of the tax year, you file a Self Assessment. If too much was deducted, you claim it back. Many CIS workers get refunds.
Do I need one?
Not everyone needs a CIS card. If you work through an umbrella company, an agency, or have tax deducted at a higher rate, you might not have one. Check with your contractor if you’re unsure.
How do I get one?
First, register for Self Assessment with HMRC if you haven’t already. Then register for CIS either online or by calling the CIS helpline. Once registered, you’ll get your card and your UTR number.
Starting out in construction and need to get set up properly? Get in touch and we’ll walk you through it.
