Video: Pexels

COST SAVER PODCAST • Ep. 152

Why Part-Time Workers Keep Losing Holiday Days to Bank Holidays

Hosted byAsad & Angela(AI-generated voices)
23 September 202616 min listenSeason 1 • Ep. 152

Get Local UK Legal & Immigration Advice

Need a solicitor for probate, conveyancing, or family matters? Get free, no-obligation quotes from rated local legal professionals on Bark.

We may earn a commission on purchases at no extra cost to you. While we only partner with trusted platforms through reputable affiliate networks, all services and accounts are managed directly by the provider, who will handle any customer care or account needs.

Why Part-Time Workers Keep Losing Holiday Days to Bank Holidays

Now Playing · Ep. 152

Why Part-Time Workers Keep Losing Holiday Days to Bank Holidays

The Cost Saver Podcast

00:000%00:00

AI-generated voices. For information only - not financial guidance.

Key moments

Key Takeaways from This Episode

  1. 1In this episode of The Cost Saver Podcast, Angela and Asad unpack why part using UK data and real numbers — so you can decide what to actually do, not just what to think about.
  2. 2Discover the 5 most common bank holiday entitlement mistakes costing UK part-time workers paid days off.
  3. 3Learn your rights and how to check your holiday allowance with our free calculator.

Episode Transcript

Asad & Angela — AI-generated hosts · click to collapse

v
A
[Angela]:
Welcome to Cost Saver Conversations. I'm Angela, and I ask the practical questions so you can quickly understand what matters. Today, I'm joined by Asad.
A
[Asad]:
Hi Angela. We are unpacking "Why Part-Time Workers Keep Losing Holiday Days to Bank Holidays" today and tying it back to the wider Cost Saver ecosystem, including tools like UK Annual Leave & Holiday Entitlement Checker and UK Annual Leave & Holiday Entitlement Checker, so you can turn insights into action quickly.
A
[Angela]:
Just a heads-up before we dive in: we are your synthetic hosts. We are great with numbers, but as AI, we can sometimes be confidently wrong. Think of us as the digital versions of your most knowledgeable, slightly caffeinated friends.
A
[Asad]:
Exactly. Treat this chat as a smart estimate only, not as professional financial guidance. Always check important details with official sources or a qualified expert before making any big decisions.
A
[Angela]:
Hello and welcome back to the Cost Saver podcast. Today we're getting into something that honestly affects a huge number of people but just... flies under the radar. We're talking about part-time workers and holiday entitlement, specifically what happens when bank holidays get thrown into the mix. And here with me to make sense of it all is Asad.
A
[Asad]:
Hey Angela. Yeah, this one's — it's one of those topics where once you see the problem, you can't unsee it, you know? Most part-time workers in the UK have probably been short-changed on holiday at some point, and they just... don't know.
A
[Angela]:
Short-changed. That's a strong word.
A
[Asad]:
It is, but it's — I mean, it's accurate. Not through malice, usually. It's more that the maths around bank holidays gets genuinely confusing when your working pattern doesn't line up with a standard Monday-to-Friday week. And the thing is, most bank holidays fall on Mondays, right?
A
[Angela]:
Right.
A
[Asad]:
So if an employer has this blanket policy of 'everyone gets bank holidays off,' that sounds fair on the surface, but it quietly disadvantages anyone who doesn't actually work that day. Like, if you work Tuesday to Thursday, those Monday bank holidays are... kind of irrelevant to you. You weren't going to be in anyway.
A
[Angela]:
So the days off aren't really days off for you, because you wouldn't have been working.
A
[Asad]:
Exactly. And we've seen it cost people the equivalent of, um, two to four days of paid leave a year. Which is anywhere from £150 to £400 depending on their hourly rate. Just gone. Because nobody accounted for the fact that those bank holidays didn't fall on their working days.
A
[Angela]:
Wait — up to £400 a year? That's... that's not nothing.
A
[Asad]:
No, it's really not. And it compounds, right? If it's been wrong for two or three years, you're talking about — well, a lot of money and a lot of missed time off.
A
[Angela]:
Okay so walk me through the legal side of this. Is there like a specific bank holiday law, or...?
A
[Asad]:
So this is — this is where people get tripped up. There's no separate legal right to bank holidays off in the UK. Like, none. The core legal document is the Working Time Regulations 1998. That gives everyone the right to 5.6 weeks of paid annual leave per year, which works out to 28 days for someone working five days a week. But — and this is the crucial bit — that 28-day figure already includes bank holidays.
A
[Angela]:
Oh! I genuinely didn't realise that. So bank holidays aren't on top?
A
[Asad]:
Nope. Whether you get Christmas Day off or the August bank holiday as paid leave depends entirely on your contract. Not on some universal statutory guarantee. It's just... a thing your employer decides. Does that make sense?
A
[Angela]:
It does, yeah. But I can see why so many people assume otherwise. Like, bank holidays just feel like they're... a given.
A
[Asad]:
Totally. And that assumption is exactly what causes all the problems downstream for part-timers.
A
[Angela]:
Hmm. Now, I imagine a lot of people listening might be thinking, 'okay, but I don't want to rock the boat at work.' Like, raising this with HR feels a bit—
A
[Asad]:
—yeah, a bit scary. I get it. But honestly? Most payroll errors like this are genuine mistakes. It's not usually someone trying to short you on purpose. And raising it — a polite, evidence-based question — it won't affect your pay negatively, it won't put your job at risk. Most employers would genuinely rather fix an honest error quietly than deal with a formal grievance later.
A
[Angela]:
Oh, that's actually reassuring.
A
[Asad]:
Yeah. And doing it in writing creates a useful record too, if it ever needs to go further. But usually it doesn't. Usually it's just a 'oh, you're right, we'll fix that' kind of conversation.
A
[Angela]:
Good to know. Okay, so you've identified five common mistakes that trip people up. Let's go through them. What's the big one?
A
[Asad]:
The biggest — the single biggest mistake — is treating bank holidays as something bolted on top of a worker's core holiday allowance, rather than being carved out of it. For a full-timer working Monday to Friday, the maths sort of works out anyway. But for a part-timer working, say, three days a week? It creates a serious imbalance.
A
[Angela]:
Can you give us an example of that?
A
[Asad]:
Yeah, so there's Sarah. Works three days a week in Leeds — Wednesday, Thursday, Friday. She realised that almost none of the year's bank holidays fell on her working days. Her employer had been telling everyone, 'you get bank holidays off, plus your pro-rata holiday.' Which sounds generous, right?
A
[Angela]:
Right.
A
[Asad]:
But it meant Sarah was effectively getting several fewer days of paid leave than a colleague on the same hourly rate who happened to work Mondays. Once she queried it and asked payroll to recalculate in hours rather than days, she was owed an extra three days of paid leave. For that year alone. Worth about £270.
A
[Angela]:
Three days! That's — wow. Okay. So what should the employer have done differently?
A
[Asad]:
The correct approach — and this is what ACAS recommends, what gov.uk guidance reflects — is to calculate the full 5.6 weeks of entitlement in hours or days based on the person's actual working pattern. And then let the worker choose when to take that leave, including on bank holidays if they want. It's like, pro-rata everything, including bank holidays. That's the only fair way to do it.
A
[Angela]:
That makes a lot of sense. Okay, mistake number two?
A
[Asad]:
So this one happens even before bank holidays enter the picture. It's just... getting the basic pro-rata sum wrong in the first place. A surprising number of employers mess this up. The standard method is 5.6 weeks multiplied by the number of days you work per week. So three days a week? 5.6 times 3 is 16.8 days. Which usually gets rounded up to 17, because rounding down would breach the statutory minimum.
A
[Angela]:
And I've heard this — what is it, 12.07%? — figure mentioned before. What's that about?
A
[Asad]:
Ah, yeah. So the 12.07% accrual method was designed for irregular hours workers, and it's been significantly reformed. But some businesses still slap it on everyone — all part-time staff, regardless of whether their hours are actually irregular or just, you know, reduced but predictable. And that can shortchange people, especially those with consistent schedules.
A
[Angela]:
Hmm, I hadn't thought about it like that.
A
[Asad]:
Yeah. And honestly, if your hours vary week to week, it's more accurate to track entitlement in hours rather than days. You work out your average weekly hours over a representative period — often 52 weeks under current rules — multiply by 5.6, and that's your annual entitlement in hours. A day-based calculation can quietly disadvantage someone who works, like, long shifts on fewer days.
A
[Angela]:
Right, right. Okay — number three. This is the one about workplaces that close on bank holidays?
A
[Asad]:
Yeah, this is a tricky one. So some workplaces just shut entirely on bank holidays — offices, schools, small retail. Employers can require staff to take those days as annual leave. That's fine, legally. But only if the worker actually has enough leave left to cover it. The problem starts when a part-timer who doesn't normally work Mondays is told, 'you need to use a holiday day for this bank holiday closure.'
A
[Angela]:
Even though they weren't going to be there anyway?
A
[Asad]:
Exactly! They're being forced to burn leave for a day they were never scheduled to work. Meanwhile their full-time colleague loses nothing extra because the closure falls on a day they'd have worked regardless. It's — look, closure policies are a legitimate business decision, I'm not saying they're inherently wrong. But any deduction from a part-timer's leave balance has to be proportionate to their normal working pattern.

Episode Notes & Resources

v

Information only. This content is not financial or legal guidance.

Credits: The Cost Saver Podcast team, with AI-assisted production and editorial review.

Full Written Guide: Why Part-Time Workers Keep Losing Holiday Days to Bank Holidays

This podcast episode is based on the companion article for deeper context and references.

Read the full written guide: Why Part-Time Workers Keep Losing Holiday Days to Bank Holidays

Tools Mentioned in This Episode

Related blogs

FAQ

Q: What is this episode about?

A: This episode covers: holiday entitlement, part-time workers. It explains the most practical ideas first, highlights common mistakes, and gives clear next steps you can apply to your own situation without needing specialist knowledge.

Q: How long is this episode?

A: This episode is approximately 16:06. You can use key moments to jump directly to sections, revisit the parts that matter most to you, and turn the guidance into a short action list after listening.

Q: Can I read this instead?

A: Yes. Check the "Related blog article" section for the full written version with links and references. The written format is useful if you prefer scanning, comparing options line by line, or sharing specific points with family members.

Q: Can I listen on other platforms?

A: Yes. Use Spotify, Apple Podcasts, Amazon Music, and YouTube links on this page when available. Platform availability can vary by processing time, so if one link is delayed, the web player and companion blog still provide full access.

Q: What other topics are covered?

A: bank holidays, employment rights, UK payroll. These are connected to the main discussion so you can understand trade-offs, avoid one-sided decisions, and choose actions that are realistic for your budget and timeline.

Q: Which tools should I use after listening?

A: Start with: UK Annual Leave & Holiday Entitlement Checker, UK Rail Season Ticket Builder. You can find them in the Related tools section below. A good approach is to run one baseline scenario first, then test two or three alternatives so your final decision is based on numbers, not guesswork.

Q: Are there related blogs I can read next?

A: Yes. This episode links to 8 related blog articles for deeper context. Reading one follow-up article is often enough to clarify assumptions and help you build a practical weekly or monthly plan.

Topics covered

holiday entitlementpart-time workersbank holidaysemployment rightsUK payroll

Explore these topics

Pick a topic tag below, then use the quick actions once to browse matching blogs or episodes.

Continue listening