Gifts
Each year is punctuated by key moments that deserve to be celebrated: birthdays, end-of-year holidays, or even company start dates. These are all opportunities to recognize the commitment of your employees and thank them with personalized attention.
Offer tax-free gifts to your employees
Motivating, building loyalty, increasing satisfaction: gifts contribute to the well-being of your employees, as well as to their sense of recognition and belonging to the company.
And because each person is unique, we offer a flexible solution that lets recipients choose what they want to give themselves, according to their needs or what makes them happy.
A final, non-negligible advantage? Gifts for recurring events are tax deductible up to a maximum of CHF 500 per year per employee. In this equation, everyone wins. The employee benefits fully from the financial advantage, while the company saves money thanks to tax and social security exemptions.
For the employer
- Up to CHF 500 per year per employee, social security and tax-exempt, allowing you to optimize your compensation policy.
- Reduced administrative burden thanks to automated gift management with our online platform.
- Strengthen employee commitment and motivation by rewarding their work and efforts.
- Improved attractiveness and retention of talent by offering a tangible, rewarding benefit.
For the employee
- Additional purchasing power to treat yourself to what really delights, with no tax impact.
- Total flexibility: each employee is free to choose how to use his or her gift on the Swibeco platform, from among more than 300 retailers.
- A simplified digital experience, with amounts credited directly to the Swibeco account and visible on the mobile application.
- Tangible recognition from the employer, reinforcing the sense of belonging and appreciation.
Choice at the heart of our solutions
If you’ve ever received a gift that didn’t meet your needs, you know: finding the perfect gift that will please all your employees is a near-impossible task. That’s why giving them the flexibility to spend their gift however they please allows you to always hit the nail on the head.
So, Sandra will be able to treat herself to the video game she’s been dreaming about since its release, Noah will be able to invite his family for the weekend, Elena’s gift will help finance her public transport subscription and Paul will finally take some time for himself with a well-deserved massage.
Flexible Benefit Gifts: 100% value thanks to tax exemption
As long as gifts are offered to employees for recurring events, you do not need to declare them on the salary certificate. The law also allows you to accumulate several gifts per employee each year, in accordance with numbers 2156, 2157 and 2158 of the “Directive on the determining salary in the AHV, IV and APG” of the Federal Social Insurance Office and Article 3 of the “Guide to the Preparation of the Salary Certificate” of the Federal Tax Administration.
Example calculation for an employee
Annual tax exemption
CHF 500.-
Tax savings VS salary for the company*
CHF 100.-
Tax savings on employee salary*
CHF 181.-
* Employer social security contributions 20%, employee social security contributions 15% and marginal tax rate of 25%
The difference between a cash gift and a gift on the platform
The Flexible Benefit Gifts is an economical and optimized alternative to traditional gifts paid in the form of salary.
Gifts received by bank transfer
Subject to social security contributions and taxes from the first CHF
At equivalent cost to the company, social charges reduce the net profit available to the employee
Regarded as a salary supplement, with no real impact in terms of motivation or recognition
The money is integrated into current expenses, diminishing the perceived value of the company’s gesture
Via Perks and Discounts Platform
Exempt from social charges and taxes up to CHF 500.- per year and per employee
At equivalent cost to the company, a greater amount available to the employee
A distinctive recognition lever that enhances team commitment and boosts satisfaction
Total freedom in how to spend the gift, while appreciating the corporate gift
What if your employer value proposition could reach new heights in only 3 steps?
Meet our team for a free demo to learn more about our employee benefits platform. We’ll show you how to easily integrate it into your existing HR system.
Once your account has been activated, define the rewards you wish to pay out to your employees.
Recipients receive their Swipoints directly into their Swibeco account. All they have to do is choose where they want to spend them, and benefit from attractive discounts.
An perks and discounts platform offering daily discounts to your staff
In line with today’s consumer habits, our services are digitally oriented. Monetary gifts are credited directly to your employees’ Swibeco accounts, in the form of Swipoints. These can then be spent on our benefits platform, at over 250 partner retailers. Discounts, benefits and promo codes have been negotiated to give you the best prices.
Among the most popular are Ikea, Coop, Zalando, Manor and Lidl. Everyday expenses, leisure, multimedia, clothing… there’s something for everyone.
Vouchers and discounts can be ordered directly via our mobile app, so you’ll always have them at hand. It’s also on this platform that your employees can find out about any other benefits they may be entitled to. Whether it’s meal allowances, mobility allowances, wellness allowances or leisure allowances, our app is the one-stop shop for all your company’s benefits.
