Lunch Card
A meal card that’s accepted in restaurants, food counters and other eateries
You can contribute to your employees’ meal costs with the Swibeco Lunch Card, and by doing so offer them additional remuneration — exempt from any taxes and social charges.
Request a simulation for your company
Employees sharing lunchtime helps them laugh and exchange together
The Swibeco Lunch Card is a way to encourage employees to have informal team gatherings over a meal, whilst giving you the opportunity to add an additional CHF 2’160.- in net annual purchasing power for each staff member. The card is accepted by over 35’000 restaurants, fast food outlets and other eateries… as well as by meal delivery services. It is a simple way to contribute to your employees’ food expenses. With the rise of teleworking, this special financial supplement is both appreciated and sought after, even though it represents a significant expense on your part. However, are you aware that Swiss law allows you to offer every month to each employee a contribution of up to CHF 180.- toward meal costs — exempt from any taxes and social charges ? Wit the Swibeco Lunch Card you contribute to the cohesion and motivation of your teams.
La Swibeco Lunch Card permet à vos salariés de bénéficier d’un complément de pouvoir d’achat exonéré de contributions sociales et d’impôts, ce qui crée des économies pour eux comme pour l’entreprise.
Plus de 35’000 restaurants et commerces alimentaires à travers la Suisse acceptent la Swibeco Lunch Card pour le règlement des dépenses liées au repas. Cela constitue le plus grand réseau d’acceptation en Suisse.
La Swibeco Lunch Card peut être facilement ajoutée à Apple Pay, Google Pay et Samsung Pay. De cette façon, si vous n’avez pas votre carte avec vous, vous pouvez tout de même l’utiliser pour régler vos repas.
Grâce à une application simple et intuitive, plus besoin de vous soucier de faire les versements pour les allocations aux frais de repas. Les versements peuvent être automatisés afin de libérer votre temps.
La Swibeco Lunch Card est la seule solution de chèques repas en Suisse à être acceptée dans toutes les épiceries fines, boucheries, poissonneries et fromageries – parfait pour une pause déjeuner en home office.
Nos contrats de collaboration sont sans engagement de durée, vous n’êtes donc facturé que sur le nombre de cartes actives de vos collaborateurs, indépendamment des montants versés.
Real savings every meal
You can stimulate team building by encouraging
employees sharing time together
Additional purchasing power without social security contributions
With the Swibeco Lunch Card your employees can benefit from additional income, exempt from taxes and social security contributions — generating savings for both your staff and your business.
The card is accepted throughout the Visa network
More than 35’000 restaurants and food counters throughout Switzerland accept the Swibeco Lunch Card. It is Switzerland’s largest network accepting card payments at eateries.
You choose the format of the meal card ; physical or digital
The Swibeco Lunch Card can easily be added to Apple Pay, Google Pay and Samsung Pay applications. Hence, if you don’t have the card with you, you still can pay for your meal.
Automatic payments to make your life easier
Thanks to our intuitive, simple interface, you don’t need to worry about making meal allowance payments. The money transfer can be automated.
Delicacy food outlets also accept the Swibeco Lunch Card
Profit from our meal card solution ; the only card in Switzerland accepted in all delicacy outlets, butchers, fish shops and cheese stores. The ideal opportunity for your employees to share a good meal at the office or when working at home.
No commitment ; a flexible contract for the duration of your choice
Without any term commitment, you choose the duration of your contract. We bill you only for the number of your employees’ active meal cards, regardless of the amounts of food and drink allowance already paid.
3 flexible solutions
A meal card that increases your employees’ purchasing
power tenfold
With the meal card Swibeco offers companies alternatives to improve the standard of living of their employees. You can contribute to their meal costs completely tax-free, or you can transfer a fraction of their gross salary to a meal card, thus benefiting from additional tax savings. And you do not need additional staff to run the system : it is fully digitalized and automated.
Employer-financed solution
The employer pays into each staff member’s Swibeco Lunch Card account up to CHF 180.- every month, thus providing them with additional net purchasing power with a contribution toward meal-related expenses… for a total annual amount of up to CHF 2’160.-.
Employee-financed solution
The employee deposits up to CHF 180.- per month of her/his gross salary into the Swibeco Lunch Card account. With this tax optimization, an employee’s purchasing power can be up to doubled when compared to the same amount being payed-out as salary.
Solution co-financed by employer and employee
Should the company make a partial contribution toward meal costs, the employee can supplement her/his mothly gross salary by up to CHF 180.- and thus optimize her/his purchasing power… absolutely tax-free.
What’s different between cash allowance and meal card ?
The Swibeco Lunch Card is an economical, rewarding alternative to the traditional meal allowance. It is paid out in the form of a salary.
Meal expense allowances
Ever franc contributed toward meal expenses is subject to social charges and taxes
Money paid out for meal expenses is not always spent on food
At the equivalent cost for the company, social charges reduce the amount available to the employee
Low impact on employer’s image
Swibeco Lunch Card
For each employee up to CHF 2’160.- anually exemption from social charges and taxes
Amounts paid out are entirely dedicated to employee meal expenses
At equivalent cost for the company, a bigger amount is available to the employee
Daily use enhances the benefit offered by the employer
Easy installation
3-step process to already benefit on the next day from concrete advantages
1. Preparation
Order meal cards and configure payments on the Extranet
Your employees receive their Swibeco Lunch Card within 48 hours… ready to be used. In the meantime, you can configure the automatic payments.
2. Enjoy the benefits
Enjoy your meals with colleagues and pay with the Swibeco Lunch Card
Your company’s employees pay for their meal costs in restaurants and food stores accepting the Visa-Card (more than 35’000 establishments in Switzerland).
3. Monitoring & Analysis
Benefit from a solution that adapts to fluctuating teams
Our modular solution allows you to consult at any time the remaining amounts on meal cards. It also guarantees the recovery of balances in the event of an employee’s departure.
