The Lunch Card becomes the Swibeco Card
We’ve made it easier for you to manage all your employees’ benefits.
The Benefits Manager is now your single point of entry for administering meal allowances and other benefits.
Plan your migration date
A word from Ivan Brustlein, CEO of Swibeco
Discover all the benefits of the Swibeco Card, the next steps for your business, and the new contractual conditions. This step-by-step guide will help you understand how this transition will revolutionize your employee benefits management.
Improved employee experience
A mobile application that offers employees more autonomy:
- Users can order cards at the invitation of the employer.
- Direct PIN code management in the app.
- Blocking the card and viewing all transactions.
Home delivery of cards is also possible for non-Swiss residents, with immediate digital activation.
A more sustainable solution:
- Virtual card added in one click to Apple Pay and Google Pay.
- No obligation to order a physical card.
- The physical card is made from recycled plastic and reflects our high standards of quality and durability.
Operational efficiency
Centralized management of all your employee benefits on the Benefits Manager: benefits platform, meal allowance and other Flexible Benefits.
Deletion of Cornèr bank account:
- No more account maintenance fees.
- End of obligation for year-end account review.
End of the Cornèr account refund rule after 60 days.
Simplified offboarding policy
- The blocking date is removed after the employee’s departure, meaning the employee keeps their card for a maximum of 10 years after leaving the company at no cost for the company.
- Removal of remaining balance refunds and related accounting processes.
Extended card usage possibilities thanks to innovative technology
With our new card issuer YAPEAL, we have developed a solution that has revolutionized the management of employee benefits.
Add other benefits to the same card:
- Mobility
- Soft mobility
- Health and well-being
- Leisure (up to CHF 600 tax free)
Possibility of using the card in supermarkets (from early 2026).
Option to extend the use of the card in neighboring countries after validation the maintenance of the exemption from tax and social security contributions with the competent authorities.
New contractual conditions
Fixed card fees reduced by up to 80%
Billing proportional to the amounts credited to your employees’ Swibeco Cards
Decreasing costs based on the amounts credited
No more replacement fees for lost, stolen or damaged cards
Next steps for your business
- Due to the enhanced capabilities of the Swibeco Card and our card issuer YAPEAL, we have updated our contractual terms. You will receive the updated documents via Zoho Sign, which must be signed and returned to us.
- From then on, you can manage all your employee benefits from the Benefits Manager.
- Access to the old Lunch Card admin area will be blocked and your balance in your Appendix Corner account will automatically be refunded to the account indicated in appendix 3 of your old contract.
- Once the transition is complete, you will load your employees’ meal allowance onto the Swibeco Cards via the Benefits Manager. The cards will be replaced at no cost to your company.
Next steps for your employees
- Your employees will receive an email invitation to order their new Swibeco Card, which will be linked to their existing account.
- They will then be asked to choose a PIN code and fill in their contact information.
- The balance from the old card will be transferred to the new one.
- They can manage their card independently using the Swibeco application, which they already use to access the benefits and discounts platform. They can view their PIN code and transactions, and block the card in the event of loss or theft.
In 2025
Step 1
From June
Sending and signing the new contractual conditions.
Step 2
Final loading of Lunch Cards with the old system.
Step 3
The Lunch Card administrator area will be blocked.
Step 4
The balance of the Appendix Corner account will be reimbursed. The meal allowance will be loaded via the Benefits Manager.
Step 5
Employees order their new pre-loaded Swibeco Card.
Step 6
The old Lunch Cards are blocked and any remaining balance will be transferred to the new Swibeco Card.
Our team at your side throughout the migration.
The closure of the Cornèr account is carried out by us.
We handle the reimbursement of the available funds to the account indicated in appendix 3 of your old contract. Swibeco ensures the setting up of the new YAPEAL account, which is immediate and does not require any due diligence on your part.
The remaining balance on your employees’ old cards will be automatically transferred to their new Swibeco Cards.
There will be no interruption to card usage. The current Lunch Card can still be used while awaiting receipt of the new Swibeco Card.
The Benefits Manager, the centralized interface for employee benefits
All the features you know for managing meal allowances have been integrated into the Benefits Manager. You can now manage this budget in the same place as the benefits platform.
Remember to check that all your employees who receive a meal allowance are listed in the Benefits Manager, under the “Your employees” tab.
How do I log in to Benefits Manager?
Nothing changes for you; your access remains the same. Managing your lunch budgets has been added to your usual features.
Frequently asked questions about the Swibeco Card
Do you or your employees have any questions about the new Swibeco Card or how to use it? You will find the answers below.
If you have any further queries, please send an email to clients@swibeco.ch or contact your Client Success contact person.
We encourage users to spend any remaining credit before the migration. Any remaining balance will be transferred to the new card. We will provide details of this procedure in due course.
After the transition, the old Swibeco Lunch Card app will be deactivated and will no longer be available for use. Users will be able to check their card balance on the Swibeco app they already use for the benefits platform. We encourage those who don’t have it yet to download the Swibeco app now to continue accessing the features associated with the Swibeco Card.
Old cards will be deactivated automatically. Just like a regular bank card, they can simply be cut up and disposed of securely. Employees do not need to take any additional steps.
Yes, all current features will still be available. Additionally, the Benefits Manager has been redesigned to offer an even more user-friendly and intuitive experience. You will also have access to statistics on your employees’ card usage, and you will have greater flexibility in choosing the times at which benefits are distributed.
Yes, the Swibeco Card continues to benefit from the largest acceptance network for meals in Switzerland. It is accepted at over 35,000 restaurants and food businesses across the entire VISA network. If a business that meets these criteria does not accept the meal card, your employees can now notify us directly so that we can add it to the acceptance list. This whitelisting process enables us to update the network dynamically and continuously.
