SBB Half Fare
The CFF half-fare is a tangible, useful and appreciated benefit, which supports the daily mobility of your employees, reduces your mobility costs, while promoting a responsible approach.
Offer the SBB Half-Fare travelcard
and encourage your employees to travel sustainably
Despite the increase in remote working in recent years, the number of commuters in Switzerland remains very high. You only have to look at the roads at rush hour to realize how many people commute from home to work.
How about helping to relieve congestion on the roads and promote sustainable commuting in your own way? Offer your employees the SBB Half-Fare travelcard!
Your employees can get to work more affordably, while reducing their impact on the environment.
Using Swibeco brings you three major advantages: administrative efficiency, payment only for season tickets actually used, without having to advance any money, and savings on taxes and social security contributions
For the employer
- Integrates with CSR objectives by encouraging the use of sustainable means of transport.
- Reduces financial risk by not advancing any up-front expenses and only paying for vouchers ordered by employees.
- Simplified administrative management, as the process is automated by Swibeco.
- Enhances company attractiveness and employee motivation.
For the employee
- No costs incurred, as the employee does not have to advance any money or go through administrative steps such as expense claims.
- Reduced transport costs, with half-price travel on the SBB network, most other railways, boats and buses.
- A tax-free benefit that really and truly increases your purchasing power.
A digital solution that drastically reduces the administrative burden on HR departments
A digital solution that drastically reduces the administrative burden on HR departments
No more time-consuming administrative processes for employees, managers, HR and accounting. No more expense claims to be reimbursed time and again.
With our centralized solution, we simplify your administrative management:
- The employee uploads his SBB half-fare voucher to our platform. They pay CHF 0.-.
- At the end of the month, your company is billed CHF 170.- for each voucher actually ordered.
And that’s all there is to it.
SBB Half-Fare travelcard: a fully tax-exempt benefit
In Switzerland, the SBB Half-Fare travelcard offered by employers to their employees is tax-exempt. According to the Swiss Federal Tax Administration, the reimbursement of half-fare travelcards is one of the benefits that do not need to be declared.
As a result, your company pays no social security contributions on this benefit, and your employee pays no tax on its value. This exemption makes it an advantageous solution for improving your employees’ purchasing power while optimizing your costs.
Example calculation for an employee
Annual tax exemption
CHF 170.-
Tax savings VS salary for the company*
CHF 34.-
Tax savings on employee salary*
CHF 62.-
* Employer social security contributions 20%, employee social security contributions 15% and marginal tax rate of 25%
Discover the difference between a cash allowance for the SBB Half-Fare and Swibeco’s solution
Using the Swibeco benefits platform to offer your employees the SBB Half-Fare travelcard is a cost-effective alternative to other allocation methods.
SBB Half-Fare cash allowance
Subject to social security contributions and taxes
Amount paid not always used to purchase a half-fare card
Low impact on employer value proposition
Swibeco’s Solution
SBB half-fare free of taxes and social security contributions
Company only pays if employee orders voucher from Swibeco
At equivalent cost to the company, a higher amount available to the employee
The employee enhances the value of the gift offered by his company by using the daily pass
4 steps to elevate your employer value proposition
Request a demo and meet our team dedicated to showing you our innovative solutions and how they can fit into your current HR system.
Activate your account and give your employees access to the Swibeco benefits platform. Your staff will then benefit from offers and advantages from over 250 renowned partner brands.
Your employees order a free SBB Half-Fare voucher on the platform. They then go to a ticket office to exchange it for their season ticket.
At the end of the month, your company is billed CHF 170.- per voucher actually ordered.
A benefits platform that opens
the door to everyday savings
Our simplified SBB half-fare purchase solution is part of a much more comprehensive employee benefits program. In fact, the Swibeco platform offers discounts on more than 250 popular retailers in Switzerland: Ikea, Coop, Decathlon, Zalando, Manor, Lidl, to name a few.
Automation of payments
This way, your staff can increase their purchasing power on a daily basis, with no loss of tax or social security contributions.
Flexible benefits that fit your business goals
If you have already negotiated benefits with certain brands or local outlets, we integrate them into the platform to make them more easily accessible.
