Lunch
Mealtime, whether in the office or elsewhere, is much more than just a break. It’s a pleasant moment that encourages sharing, building relationships and integration into the social life of the company. A time spent together that strengthens the sense of belonging.
Contribute to your employees’ meals expenses
and increase their purchasing power
Lunch is a pleasant, convivial moment. This informal break allows for interaction with colleagues and getting to know one another, creating bonds and integrating into the social life of the company.
You can contribute to this sense of belonging by offering your employees a meal allowance. Did you know that Swiss law allows you to offer up to CHF 180.- per month per employee, fully exempt from social security contributions and taxes? With the Swibeco Card, you’ll be promoting cohesion and motivation among your teams.
For the employer
- Up to CHF 180.- per month per employee, exempt from social security contributions and taxes, optimizing your compensation policy.
- 100% digital, easy-to-manage solution, with no administrative complexity for HR departments.
- Enhances the attractiveness of the company and encourages employee motivation and loyalty.
- Integrates with CSR objectives by supporting employees’ financial well-being.
For the employee
- Increased purchasing power, with partial or full payment of meals by the employer.
- Can be used anywhere in Switzerland, within VISA network with more than 35’000 restaurants and food shops.
- Flexible use of credit: the card is topped up every month, the amount is cumulative and can be used like any other debit card.
- A tax-free advantage, allowing maximization of net income.
Switzerland’s largest acceptance network for meals
The Swibeco Card is accepted throughout the VISA network, representing over 35’000 restaurants and food shops across Switzerland. Restaurants, bakeries, takeaways, caterers, delicatessens, butchers, seafood shops, cheese shops – your employees can choose the type of food that pleases them, without restriction.
Unlike allowances paid directly into your employee’s bank account, you can be sure that this money will actually be used for dining purposes. This is because the Flexible Benefit Lunch is only accepted by food retailers.
Pay easily, track your transactions
The Swibeco Card is compatible with Apple Pay and Google Pay, allowing you to easily pay for your purchases with your smartphone, without needing the physical card – which remains available if you wish.
Thanks to your Swibeco account on the mobile app, you can track your transactions and your card balance in real time, so you can stay in control at all times.
Flexible Benefit Lunch : fully tax-free contributions
In Switzerland, employers can offer their employees meal allowances in the form of vouchers or financial contributions, with attractive tax benefits. Up to CHF 2’160.- per employee per year, these allowances are fully exempt from social security contributions and taxes.
This enables you to augment your employees’ purchasing power while optimizing your compensation policy.
Example calculation for an employee
Annual tax exemption
CHF 2’160.-
Tax savings VS salary for the company*
CHF 432.-
Tax savings on employee salary*
CHF 783.-
* Employer social security contributions 20%, employee social security contributions 15% and marginal tax rate of 25%
A card that makes the difference
The Swibeco Card is the best alternative to traditional meal allowances paid in the form of salary.
Cash meal allowance
Subject to social security contributions and taxes from the first CHF
Amounts paid out not always spent on food
At equivalent cost to the company, social charges reduce the net profit available to the employee
Low impact on the employer value proposition
Swibeco Card
Exempt from social charges and taxes up to CHF 2’160.- per year and per employee
Amounts paid out entirely dedicated to team meal expenses
At equivalent cost to the company, a greater amount available to the employee
Daily use that enhances the benefit offered by the company
3 simple steps to improve your company’s appeal
Request a demo and talk to our team about how to integrate Flexile Benefit lunch into your HR policy.
Activate your account and define the amounts to be paid automatically to your staff. There are 3 fully digitized and automated options:
The employer pays up to CHF 180.- per month per employee on the Swibeco Card to contribute to their meal expenses, thus offering them up to CHF 2’160.- in additional net purchasing power per year.
If the company makes a partial contribution to the employee’s meal expenses, the employee can supplement this amount up to a maximum of CHF 180.- per month by converting his gross salary to optimize his tax-free purchasing power.
The employee converts up to CHF 180.- per month of gross salary to the Swibeco Lunch Card. Thanks to this tax optimization, he can double his purchasing power compared with the same amount kept as salary.
Your employees receive an invitation by e-mail to activate their Swibeco Card. As soon as they have created their account, they can already use the VISA virtually, and the physical card will be sent to them a few days later.
Your centralized management interface
Our aim is to simplify the work of HR departments. That’s why we’ve set up Benefits Manager, your employee benefits management platform. An intuitive space, bringing together all the functionalities needed to optimize your administrative workload.
Automated payments
Don’t worry about monthly payments for meal allowances. Amounts can be automated simply and digitally. Every month, your employees will have the satisfaction of receiving their amount directly on their card.
Flexible benefits to suit your company’s needs and objectives
Meal allowances are part of a range of other benefits you can offer your employees. Recurring gifts, rewards, allowances for mobility, well-being or leisure, a benefits platform for everyday savings, are just some of the other benefits available on our application and in Benefits Manager.
