United Kingdom · Finance roles · Director/VP (16-20 years)

Director of Global Finance Operations

Here is the whole job, in plain words. What it is, a real day, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

  • Experience bandDirector/VP (16-20 years)
  • Reports toVP of Global Business Services
  • UK framework levelUsually a director, accountable for a division and its numbers

Also advertised as Head of Finance Shared Services · VP, Finance Operations · Global Process Owner (Finance)

Built on an analysis of 43,079 real UK job descriptions · grounded in qualifications employers recognise

Start with a free Future Fluency check, tuned to Director of Global Finance Operations

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1What this role really is

This isn't just about keeping the lights on; it's about fundamentally reshaping how our global finance engine runs. You'll be the architect of efficiency, the driver of automation, and the leader of a substantial team spread across different regions. We're talking about optimising processes that span continents, making sure the money flows smoothly, accurately, and quickly, no matter where our business operates. Essentially, you're building the future of our finance operations.

2What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

ERP System (e.g., SAP S/4HANA, Oracle NetSuite)Strategic

Leading module implementation/upgrade projects, defining master data governance policies, architecting integrations with other systems, and driving strategic use of the ERP for global efficiency.

AP Automation / P2P (e.g., Coupa, Tipalti, SAP Ariba)Architect

Selecting and implementing new P2P platforms, negotiating contracts with vendors, designing global procurement policies enforced by the system, and driving adoption across the enterprise.

Treasury Management System (e.g., Kyriba, FIS)Architect

Managing global banking relationships, developing hedging strategies, overseeing the implementation and security of the TMS platform, and ensuring optimal cash management.

Data & Analytics (e.g., MS Power BI, Tableau, SQL)Strategic

Designing and governing the entire Finance Operations analytics strategy, connecting multiple data sources to provide executive-level insights on working capital, process efficiency, and risk to the C-suite.

3What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing inWhere you are nowThe step above
Strategic Direction & RoadmapN/AN/AN/A
Director of Global Finance OperationsDefines and owns the multi-year strategic roadmap for global finance operations, subject to VP/CFO approval for major shifts.N/AN/A
Budget Allocation & InvestmentN/AN/AN/A
Director of Global Finance OperationsFull authority for function's operational budget up to £5M; recommends and builds business cases for larger strategic investments (e.g., new ERP modules).N/AN/A
Global Policy & Control DesignN/AN/AN/A
Director of Global Finance OperationsDesigns, approves, and enforces global finance operations policies and internal controls, ensuring compliance and risk mitigation.N/AN/A
Team Structure & Talent DecisionsN/AN/AN/A
Director of Global Finance OperationsFull authority over organisational design, hiring, and performance management within the global finance operations function.N/AN/A

4How you'll be judged

The scoreboard, honestly: the hard targets, how often each one is actually looked at, and the quiet human signals that never make it onto a dashboard.

Cost-per-Invoice Reduction
The average cost to process a single vendor invoice, including labour, systems, and overheads.
Target · Year-over-year reduction of >10%

Reducing the cost from £5.00 to £4.50 per invoice across 500,000 invoices annually saves £250,000.

Working Capital Improvement (DPO & DSO)
Optimising Days Payables Outstanding (DPO) and Days Sales Outstanding (DSO) to improve cash flow.
Target · Increase DPO by 5 days; Reduce DSO by 3 days annually

Extending DPO from 45 to 50 days, or reducing DSO from 60 to 57 days, freeing up millions in cash.

Global Close Cycle Time
The number of business days it takes to complete the month-end financial close process across all entities.
Target · Reduce from 6 days to 4 days within 18 months

Achieving a 33% reduction in close time means faster reporting and quicker strategic decisions for the business.

System Implementation Success Rate
On-time and on-budget delivery of major finance operations system projects (e.g., new ERP modules, P2P platforms).
Target · >90% on-time, >95% on-budget

Successfully rolling out a new global expense management platform to 20,000 employees within the planned 12-month timeframe and £1M budget.

Strategic Alignment & Influence
How well finance operations strategy supports overall business goals and how effectively you influence executive decisions.
  • Regular invitations to C-suite strategy sessions
  • finance operations initiatives explicitly referenced in company-wide objectives
  • positive feedback from business unit leaders on operational support.
Talent Development & Retention
Building a high-performing, engaged global team and ensuring strong succession planning.
  • Low attrition rates in your direct and indirect teams (below 10%)
  • measurable progression of managers within your organisation
  • positive feedback in employee engagement surveys related to leadership and development opportunities.
Risk Mitigation & Control Environment
Ensuring a robust control environment that minimises financial risk and ensures compliance.
  • Zero material audit findings related to finance operations
  • successful navigation of new regulatory requirements without major issues
  • proactive identification and resolution of potential control weaknesses.

5Would you like it

The honest version. What people enjoy, and what grinds them down.

What people enjoy
Driving Large-Scale Impact

You'll spend your days designing global process changes, approving multi-million-pound system investments, and seeing your decisions directly affect thousands of employees and millions in savings. The scale of the impact is what gets you out of bed.

Successfully implementing a new global P2P system that reduces invoice processing time by 50% and saves £2M annually across the organisation.

Building High-Performing Global Teams

A significant part of your role involves coaching and mentoring your direct reports (managers and leads), fostering a culture of continuous improvement and professional growth across diverse teams in different time zones. You'll see your people grow and excel.

Developing a manager in your team to take on a larger regional leadership role, or seeing your entire global team achieve record-high engagement scores.

Solving Complex Organisational Puzzles

You'll be tackling challenges like integrating finance operations after an acquisition, standardising processes across wildly different legacy systems, or navigating new international tax complexities. These are big, messy problems that require strategic thinking and persistence.

Designing a unified global chart of accounts and reporting structure that works for all business units and complies with all local regulations.

What frustrates people
  • Dealing with entrenched resistance to process changes from business units who 'do things differently'.
  • The sheer complexity of harmonising global processes and systems across dozens of legal entities and cultures.
  • Budget constraints that force difficult trade-offs on transformation projects.
  • The constant pressure to deliver more with less, while maintaining high accuracy and compliance.
  • Navigating complex vendor relationships and ensuring they deliver on their promises for critical systems.
What this role does not give you
  • A predictable 9-to-5 schedule; global leadership often means early mornings or late evenings.
  • A purely technical role; this is heavily focused on leadership, strategy, and people.
  • A 'set it and forget it' environment; continuous improvement and adaptation are the norm.

6Who you work with

Your work directly influences our bottom line by driving significant cost efficiencies, improving working capital, and mitigating financial risk across the entire organisation. Get it right, and we're faster, leaner, and more compliant globally. Get it wrong, and we face audit failures, cash flow issues, and unhappy business units. You're shaping the operational backbone of our financial health.

Inside the business
  • CFO and Finance Leadership Team
  • Business Unit Heads (Sales, Marketing, Product)
  • IT Leadership and Enterprise Architecture
  • Legal and Compliance Teams
  • Internal Audit
Outside the business
  • External Auditors
  • Key Banking Partners
  • Technology Vendors (e.g., SAP, Coupa)
  • Regulatory Bodies

7What you need before you start

Not a wish list. The things you would be expected to already have.

  • A proven track record of 15+ years in finance operations, with at least 5 years in a senior leadership role managing large, multi-country teams.
  • Demonstrable experience leading successful, large-scale finance system implementations (e.g., ERP, P2P platforms) from concept to post-implementation optimisation.
  • Extensive experience managing significant P&L responsibilities (typically £2M+) for an operational function.
  • A history of driving measurable cost savings and efficiency improvements across global finance processes.
  • Strong experience presenting to and influencing C-suite and board-level stakeholders.

8What to practise next

Where the job is going, and what to do about it starting this week.

Blockchain & Distributed Ledger Technology (DLT) for Finance

Blockchain has the potential to revolutionise intercompany reconciliations, supply chain finance, and cross-border payments by providing immutable, transparent ledgers. As a Director, you'll need to understand its strategic implications and how to pilot its use to drive efficiency and trust.

Consensus Mechanisms · Smart Contracts · Private vs. Public Blockchains · Tokenisation of Assets

  • This quarter: Read up on leading use cases for blockchain in corporate finance and supply chain.
  • Next 6 months: Engage with FinTech startups exploring DLT solutions for finance operations.
  • Next 12 months: Evaluate the feasibility of a small-scale DLT pilot for a specific intercompany process.
  • Ongoing: Participate in industry forums focused on blockchain in enterprise finance.

Quick win: Identify one current process (e.g., intercompany reconciliation) that is notoriously complex and research how DLT could hypothetically simplify it. Discuss with your IT partners.

9Staying current once you are in

What people here do to keep up
  • Regularly attend executive-level finance and operations conferences (e.g., Shared Services & Outsourcing Week, CFO Summit) to stay abreast of industry trends and network with peers.
  • Participate in executive leadership programmes focused on digital transformation, change management, or global business strategy.
  • Engage with FinTech thought leaders and research emerging technologies like AI, blockchain, and RPA through webinars, whitepapers, and industry groups.
  • Mentor aspiring finance professionals, which helps solidify your own leadership and strategic thinking.

10How the AI economy is changing work like this

Before we ask anything of you, here's what we can already say about AI and work of this kind:

The new skill this role is being asked for: AI Strategy & Governance for Finance Operations

AI is rapidly moving beyond simple automation to strategic decision support and predictive capabilities. As a Director, you'll need to define how AI is integrated into our core processes, ensuring ethical use, data privacy, and robust governance. If you don't lead this, someone else will, and we'll lose our competitive edge.

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

Your PlanIllustration

Built for Director of Global Finance Operations

4 units that map to this job, from the qualifications that cover it.

  1. Obtain additional finance for an organisationFuture (Awards and Qualifications) Ltd · covers 1 of 3 standardsLevel 7
  2. Manage finance in own area of responsibilityNCFE · covers 1 of 3 standardsLevel 5
  3. Managing financeNCFE · covers 1 of 3 standardsLevel 5
  4. Finance for ManagersATHE Ltd · covers 1 of 3 standardsLevel 5
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

AI Strategy & Governance for Finance Operations

AI is rapidly moving beyond simple automation to strategic decision support and predictive capabilities. As a Director, you'll need to define how AI is integrated into our core processes, ensuring ethical use, data privacy, and robust governance. If you don't lead this, someone else will, and we'll lose our competitive edge.

  • AI Ethics & Responsible AI
  • Data Privacy & AI Compliance
  • AI Model Validation & Explainability
  • AI Vendor Selection & Management

What you’ll use

Skills this role draws on

Technical

  • Enterprise Process Design & Optimisation
  • Global Financial Risk Management & Controls
  • Shared Services Centre (SSC) Strategy & Operations
  • M&A Integration (Finance Operations)

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Global Finance Operations Manager (Large Enterprise)

    3-5 years as a Manager

    Skills to master

    • Managing multiple teams across geographies, leading significant process improvement projects, owning a substantial operational budget, and presenting to senior leadership.

    You're ready to move on when

    • Successfully led a major finance system implementation or upgrade.
    • Consistently delivered >15% efficiency gains in your managed functions.
    • Built and developed a high-performing team with strong retention and progression.
    • Received consistent positive feedback from business unit leaders on operational support.
  2. 2

    Head of Shared Services Centre (Finance Focus)

    4-6 years in this role

    Skills to master

    • Establishing and scaling shared services, managing complex SLAs, driving cost reduction through centralisation, and navigating multi-country regulatory environments.

    You're ready to move on when

    • Successfully expanded an SSC into new regions or added significant new scope.
    • Achieved >95% SLA adherence consistently across all services.
    • Demonstrated ability to manage a P&L for a significant operational centre.
    • Proven ability to attract and retain top talent in a competitive SSC market.
  3. 3

    Senior Manager/Director in Finance Transformation Consulting

    5-8 years in consulting, leading large client engagements

    Skills to master

    • Designing and implementing finance target operating models, leading complex system integration projects for clients, managing large project budgets and diverse client teams, and strong client relationship management.

    You're ready to move on when

    • Successfully delivered multiple end-to-end finance transformation projects for FTSE 100/Fortune 500 clients.
    • Developed and sold significant consulting engagements related to finance operations.
    • Demonstrated thought leadership in finance operations best practices and emerging technologies.
    • Strong network within the finance operations community.

11Where this role leads

The long view:Your journey as Director of Global Finance Operations is a launchpad for significant executive leadership. Whether you choose to broaden your scope into general operations, deepen your financial leadership as a CFO, or become a leading voice in finance transformation, this role provides the strategic experience and leadership development to get you there. It's about building a legacy of operational excellence.

Pay & demand

Pay and demand for this role will appear here, each figure traced to a named authoritative source (e.g. the ONS Annual Survey of Hours and Earnings, under the Open Government Licence). We don’t show numbers we can’t attribute.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Director of Global Finance Operations is actually changing. In about two minutes, the free confidence check asks where you stand on each of the ten. That's the whole check, and it's what makes the plan yours rather than generic.

12The team that's yours

No two people are taught the same way. This is one-to-one, not one-to-many.

Zavmo is a hyper-personalised AI learning platform. Twelve virtual tutors, each with a different way of teaching, and one orchestration agent that picks the right one for the moment. So every single lesson is shaped around you, your role, and the way you learn. Not a course everyone sits through. A conversation built for you, and no one else.

…and nine more, matched to you after your first chat. Meet all twelve

13What it feels like

A conversation, not a course

Because your tutor knows your role, your projects and your last session, learning sounds like this. And it's different for every single person:

Obtain additional finance for an organisationLevel 7

Applied to your work in Director of Global Finance Operations

This unit aims to enable learners to review an organisation's financial position, evaluate potential funding sources, obtain additional finance, and assess the procedures involved in this process.

How the thinking builds
  1. Remember
  2. Understand
  3. Apply
  4. Analyse
  5. Evaluate
  6. Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

One to one, not one to many

No two people run this the same way

A course is written once and handed to everyone. This is assembled around you, and keeps changing as it learns you. Five things it reads, and what each one changes.

  1. Your actual work Every lesson is taught against a live piece of your own work, not a worked example from a textbook.
  2. What you already know The first conversation finds your starting point, so you skip what you can already do and spend the time on what you cannot.
  3. The conditions you learn under Not a learning-styles quiz. The evidence does not support those. The dimensions the research does back, read once and used to shape the plan.
  4. How far you got last time It picks up mid-thought. The tutor knows what you said, what you struggled with, and what it asked you to try.
  5. Which tutor suits the moment Twelve of them, each for a different kind of thinking. The one who walks you through a first idea is not the one who stress-tests it.

See how you learn, free. Eight questions, no sign-up. A directional taster; the diagnostic inside Zavmo goes deeper and keeps adapting.

DemonstrateIllustration

Evidenced on your work in Director of Global Finance Operations

You do not finish by watching something. You finish by showing it on the work you already do, against the measures this job is judged on.

  • Cost-per-Invoice ReductionThe average cost to process a single vendor invoice, including labour, systems, and overheads.Reducing the cost from £5.00 to £4.50 per invoice across 500,000 invoices annually saves £250,000.Year-over-year reduction of >10%
  • Working Capital Improvement (DPO & DSO)Optimising Days Payables Outstanding (DPO) and Days Sales Outstanding (DSO) to improve cash flow.Extending DPO from 45 to 50 days, or reducing DSO from 60 to 57 days, freeing up millions in cash.Increase DPO by 5 days; Reduce DSO by 3 days annually
  • Global Close Cycle TimeThe number of business days it takes to complete the month-end financial close process across all entities.Achieving a 33% reduction in close time means faster reporting and quicker strategic decisions for the business.Reduce from 6 days to 4 days within 18 months
  • System Implementation Success RateOn-time and on-budget delivery of major finance operations system projects (e.g., new ERP modules, P2P platforms).Successfully rolling out a new global expense management platform to 20,000 employees within the planned 12-month timeframe and £1M budget.>90% on-time, >95% on-budget
These are this job's own measures, with its own targets. Nothing is marked evidenced, because nobody has started this yet. Yours would fill in from the work you bring.

Your passport

This isn't a certificate you file away. It's a passport to the life you're designing.

Every credit you earn and every fluency you build adds up: evidence where it counts, carried with you. Zavmo keeps the map: where you are, where you're heading, and the next step, at your pace, around your life. From Director of Global Finance Operations to VP of Global Business Services, and whatever you decide comes after.

Level 7 · in progressAI Fluency→ VP of Global Business Services→ your design
Where this takes you

Your journey as Director of Global Finance Operations is a launchpad for significant executive leadership. Whether you choose to broaden your scope into general operations, deepen your financial leadership as a CFO, or become a leading voice in finance transformation, this role provides the strategic experience and leadership development to get you there. It's about building a legacy of operational excellence.

See Your Progress GrowIllustration
Director of Global Finance Operations
  • Enterprise Process Design & Optimisation
  • Global Financial Risk Management & Controls
  • Shared Services Centre (SSC) Strategy & Operations
  • M&A Integration (Finance Operations)
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

14The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Director of Global Finance Operations is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Strategic oversight of multiple operational functions (Finance, HR, IT Ops)

    • Holistic understanding of HR, IT, and other operational processes.
    • Strategic vendor management for enterprise-wide outsourcing/insourcing.
    • Integrated business process management (BPM) across all shared services.
    • M&A integration across all operational functions.
  2. CFO (of a smaller business unit or growing company)

    4-6 years

    Full financial ownership and strategic leadership for a business unit

    • Full P&L and balance sheet ownership.
    • Strategic financial planning and analysis (FP&A).
    • Tax strategy and optimisation.
    • Treasury management at a corporate level.
Working with AI on the job

Working with AI

Where AI is starting to help

As a Director, your focus shifts from doing to directing, from managing to transforming. AI isn't just about automating tasks; it's about fundamentally rethinking how our global finance operations run, freeing up your strategic bandwidth and empowering your teams. This is where you leverage technology to create a competitive advantage.

Imagine a world where routine compliance checks are automated, where cash flow forecasts are predictive, and where your teams spend zero time on manual data entry. That's the power AI brings to a Director of Global Finance Operations. You'll be leading the charge, identifying strategic opportunities, and overseeing the implementation of AI-driven solutions that redefine efficiency and accuracy across the entire business unit.

AI-Powered Strategic Forecasting

Use advanced AI models to generate highly accurate cash flow, working capital, and operational efficiency forecasts. This moves you from reactive reporting to proactive strategic planning, allowing you to anticipate challenges and seize opportunities before they fully materialise. You'll be making decisions based on predictive insights, not just historical data.

Global Process Automation Orchestration

Design and oversee the implementation of AI and RPA (Robotic Process Automation) across the entire finance operations landscape. This means automating complex, multi-step processes like intercompany reconciliations, global payment runs, and compliance checks, ensuring consistency and reducing human error across all regions. You're building the 'lights-out' finance function.

Intelligent Compliance & Risk Monitoring

Deploy AI systems that continuously monitor transactions and processes for compliance with internal policies and external regulations (e.g., SOX, local tax laws). These systems can flag anomalies, potential fraud, or control breaches in real-time, allowing your team to intervene proactively and significantly reduce audit risk. It's like having an army of digital auditors working 24/7.

Executive-Level AI-Driven Insights

Architect a data and analytics strategy where AI summarises complex financial operational data into actionable, executive-level insights. Instead of sifting through dozens of reports, you'll receive concise, AI-generated summaries highlighting key trends, performance gaps, and strategic recommendations, enabling faster, more informed decision-making at the highest levels.

Common questions

Common questions

How do you become a Director of Global Finance Operations?

Common routes in include Global Finance Operations Manager (Large Enterprise) (3-5 years as a Manager), Head of Shared Services Centre (Finance Focus) (4-6 years in this role) and Senior Manager/Director in Finance Transformation Consulting (5-8 years in consulting, leading large client engagements). Times vary with prior experience.

Where can a Director of Global Finance Operations progress to?

This role can lead on to VP of Global Business Services (3-5 years) and CFO (of a smaller business unit or growing company) (4-6 years), depending on the skills you build.

What level is a Director of Global Finance Operations in the UK?

This role aligns to RQF Level 7 on the UK framework, a guide to the depth of qualification it maps to, not a hard entry bar.

What new skills matter most for a Director of Global Finance Operations?

Increasingly, AI Strategy & Governance for Finance Operations. These are the areas where the higher-paid, future-proof work is heading.

The honest bit

You’ve started things before

Most of them were built for a room full of people who aren’t you. A cohort moves on whether or not your week allowed it, and by the third week the thing you’re behind on becomes the reason you stop opening it.

There’s no cohort here, and no timetable to fall behind. Before anything starts, Zavmo asks when you’re sharpest and how long you can realistically sit down for, then builds the sessions around those answers. A bad fortnight changes your pace. It doesn’t put you behind.

And you only pay once you start learning. Searching and planning are free, and you can cancel any time — so the cost of finding out is an afternoon, not a year.

What it costs

Less than one coaching session. Every month.

A single career-coaching hour costs more than a month of this, and it ends when the hour does. Zavmo doesn't. It's £70 a month, about £2.30 a day, for a companion that knows Director of Global Finance Operations, works on the job you actually do, and keeps going at your pace rather than a timetable's.

  • Searching and planning stay free. You only pay when you start learning.
  • Your credits are yours. Regulated, and they don't vanish when a subscription ends.
  • Cancel any time and billing stops. No notice period, no minimum term.

Your path, personalised

You have the map. Walking it is the part we do together.

This route runs to 3 national skill standards. That is a real journey.

Zavmo shapes a learning experience as unique as you are. It fits how you learn, your pace and the work you already do. Every step stays benchmarked to recognised national standards. That’s the plan for becoming a Director of Global Finance Operations: personal to you, and it still counts. The first steps are free.

Independent research finds well-designed intelligent tutoring performs nearly as well as one-to-one human tutoring: VanLehn (2011), Educational Psychologist.

A private tutor in the UK averages £35–40 an hour . Zavmo is £70/month.

A real plan on learn.zavmo.ai: Ofqual-regulated units, credits, and a three-month run at your own pace.
Start free No commitment. See your first steps free.

15Where to go from here

Other roles at Level 7

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

Other roles in Finance roles

Stay in the field you know and move sideways rather than up.

If you leave this industry

The skills developed as a Director of Global Finance Operations are highly transferable across industries, particularly in large, complex organisations with international footprints. Your expertise in process optimisation, global compliance, and technology-driven transformation is valuable in any sector facing operational challenges.

Not sure this is the right direction?

Work out what you actually want from work first, then come back and see which roles fit it. Takes about ten minutes.

This role profile is © 2026Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Build my plan, free Here's the first ten minutes: a 2-minute confidence check → your personalised roadmap → meet the tutors matched to you. No card, cancel any time. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.