{"id":41041,"date":"2025-03-20T15:46:45","date_gmt":"2025-03-20T14:46:45","guid":{"rendered":"https:\/\/www.swibeco.ch\/flexible-benefits\/lunch\/"},"modified":"2025-11-25T10:33:12","modified_gmt":"2025-11-25T09:33:12","slug":"lunch","status":"publish","type":"page","link":"https:\/\/www.swibeco.ch\/en\/flexible-benefits\/lunch\/","title":{"rendered":"Lunch"},"content":{"rendered":"<div class=\"gb-container gb-container-7a180ece alignfull\">\n<div class=\"gb-container gb-container-fe5b51a6 banniere-bg\">\n<div class=\"gb-container gb-container-72e810eb\">\n<div class=\"gb-container gb-container-58a1bb3b\">\n\n<p class=\"gb-headline gb-headline-a694ea12 gb-headline-text\"><a href=\"https:\/\/www.swibeco.ch\/en\/flexible-benefits\/\">Flexible benefits<\/a><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-8ad563e4 gb-headline-text\">Lunch<\/p>\n\n<\/div>\n\n\n<p>Mealtime, whether in the office or elsewhere, is much more than just a break. It&#8217;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.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-cc0c79ee\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-7e2f49d6\">\n<div class=\"gb-grid-column gb-grid-column-fd2993d3\"><div class=\"gb-container gb-container-fd2993d3\">\n\n<h1 class=\"gb-headline gb-headline-12487a62 gb-headline-text\">Contribute to your employees&#8217; meals expenses and increase their purchasing power<\/h1>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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&#8217;ll be promoting cohesion and motivation among your teams.<\/p>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-d6b2264c\"><div class=\"gb-container gb-container-d6b2264c\">\n\n<div class=\"video-wrapper\">\n<iframe  src=\"https:\/\/www.youtube.com\/embed\/tRBCs7_2uFM?rel=0&#038;modestbranding=1\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-f8b6dfdd\"><div class=\"gb-container gb-container-f8b6dfdd\">\n\n<h4 class=\"gb-headline gb-headline-61f20474 gb-headline-text\"><mark class=\"gb-highlight\">For the<\/mark> <mark class=\"gb-highlight\">employer<\/mark><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to CHF 180.- per month per employee, exempt from social security contributions and taxes, optimizing your compensation policy.<\/li>\n\n\n\n<li>100% digital, easy-to-manage solution, with no administrative complexity for HR departments.<\/li>\n\n\n\n<li>Enhances the attractiveness of the company and encourages employee motivation and loyalty.<\/li>\n\n\n\n<li>Integrates with CSR objectives by supporting employees&#8217; financial well-being.<\/li>\n<\/ul>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-4ef6c998\"><div class=\"gb-container gb-container-4ef6c998\">\n\n<h4 class=\"gb-headline gb-headline-ac81dfac gb-headline-text\"><mark class=\"gb-highlight\">For the employee&nbsp;<\/mark><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Increased purchasing power, with partial or full payment of meals by the employer.<\/li>\n\n\n\n<li>Can be used anywhere in Switzerland, within VISA network with more than 35&#8217;000 restaurants and food shops.<\/li>\n\n\n\n<li>Flexible use of credit: the card is topped up every month, the amount is cumulative and can be used like any other debit card.<\/li>\n\n\n\n<li>A tax-free advantage, allowing maximization of net income.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n\n<a class=\"gb-button gb-button-1d918ec5\" href=\"https:\/\/www.swibeco.ch\/en\/taxfree\/#simulation\"><span class=\"gb-icon\"><svg width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M332.31-252.31h35.38v-80h80v-35.38h-80v-80h-35.38v80h-80v35.38h80v80Zm200-30h175.38v-35.38H532.31v35.38Zm0-100h175.38v-35.38H532.31v35.38ZM564-540.46l56-56 56 56 25.08-25.08-56-56.46 56-56L676-703.08l-56 56-56-56L538.92-678l56 56-56 56.46L564-540.46Zm-301.69-63.85h175.38v-35.38H262.31v35.38ZM224.62-160q-27.62 0-46.12-18.5Q160-197 160-224.62v-510.76q0-27.62 18.5-46.12Q197-800 224.62-800h510.76q27.62 0 46.12 18.5Q800-763 800-735.38v510.76q0 27.62-18.5 46.12Q763-160 735.38-160H224.62Zm0-40h510.76q9.24 0 16.93-7.69 7.69-7.69 7.69-16.93v-510.76q0-9.24-7.69-16.93-7.69-7.69-16.93-7.69H224.62q-9.24 0-16.93 7.69-7.69 7.69-7.69 16.93v510.76q0 9.24 7.69 16.93 7.69 7.69 16.93 7.69ZM200-760v560-560Z\"><\/path><\/svg><\/span><span class=\"gb-button-text\">Tax benefits: Take the simulation now<\/span><\/a>\n\n<\/div>\n\n<div class=\"gb-container gb-container-e9e46f56 bg-half-container lunch alignfull\">\n<div class=\"gb-container gb-container-f287a681\">\n<div class=\"gb-container gb-container-d055f6b2\">\n\n<h2 class=\"gb-headline gb-headline-fdc60bac gb-headline-text\">Switzerland&#8217;s largest acceptance network for meals<\/h2>\n\n\n\n<p>The Swibeco Card is accepted throughout the VISA network, representing over 35&#8217;000 restaurants and food shops across Switzerland. Restaurants, bakeries, takeaways, caterers, delicatessens, butchers, seafood shops, cheese shops &#8211; your employees can choose the type of food that pleases them, without restriction.<\/p>\n\n\n\n<p>Unlike allowances paid directly into your employee&#8217;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.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-332a1b54 gb-headline-text\">Pay easily, track your transactions<\/h3>\n\n\n\n<p>The Swibeco Card is compatible with Google Pay (Apple Pay soon available), allowing you to easily pay for your purchases with your smartphone, without needing the physical card &#8211; which remains available if you wish.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<a class=\"gb-button gb-button-e3a9d5f9\" href=\"https:\/\/www.swibeco.ch\/en\/demo\/\"><span class=\"gb-icon\"><svg viewBox=\"0 0 50 50\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path class=\"st0\" d=\"M2.3 37.9v-2.1h7.4v-1.6c-.9 0-1.7-.3-2.4-1s-1-1.4-1-2.4V12.9c0-.9.3-1.7 1-2.4s1.4-1 2.4-1h30.4c.9 0 1.7.3 2.4 1s1 1.4 1 2.4V31c0 .9-.3 1.7-1 2.4s-1.4 1-2.4 1V36h7.4v2.1H2.3Zm7.5-5.7h30.4c.4 0 .7-.1.9-.4.2-.2.4-.5.4-.9v-18c0-.4-.1-.7-.4-.9-.2-.2-.5-.4-.9-.4H9.8c-.4 0-.7.1-.9.4-.2.2-.4.5-.4.9V31c0 .4.1.7.4.9.2.2.5.4.9.4Zm-1.3 0V11.6v20.6Z\"><\/path><path class=\"st0\" d=\"m29.4 21.3-7.2-4.1c-.5-.3-1.2 0-1.2.7v8.3c0 .6.7 1 1.2.7l7.2-4.1c.5-.3.5-1.1 0-1.4Z\"><\/path><\/svg><\/span><span class=\"gb-button-text\">Request a demo<\/span><\/a>\n\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-4fb581fe\">\n\n<h2 class=\"gb-headline gb-headline-dbfc941d gb-headline-text\">Flexible Benefit <strong><em>Lunch<\/em><\/strong> : fully tax-free contributions&nbsp;<\/h2>\n\n\n\n<p class=\"gb-headline gb-headline-cd1292ef gb-headline-text\">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&#8217;160.- per employee per year, these allowances are fully exempt from social security contributions and taxes.<\/p>\n\n\n\n<p>This enables you to augment your employees&#8217; purchasing power while optimizing your compensation policy.<br><\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-a295e245 gb-headline-text\">Example calculation for an employee<\/h4>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-776ce98c\">\n<div class=\"gb-grid-column gb-grid-column-9723f54c\"><div class=\"gb-container gb-container-9723f54c\">\n\n<p class=\"gb-headline gb-headline-efd6daa1 gb-headline-text\">Annual tax exemption<\/p>\n\n\n\n<p class=\"gb-headline gb-headline-15893f78 gb-headline-text\">CHF 2&#8217;160.-<\/p>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-2b1b8f8c\"><div class=\"gb-container gb-container-2b1b8f8c\">\n\n<p class=\"gb-headline gb-headline-29c171e8 gb-headline-text\">Tax savings VS salary for the company*<\/p>\n\n\n\n<p class=\"gb-headline gb-headline-2a4b41bc gb-headline-text\">CHF 432.-<\/p>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-45d1dcec\"><div class=\"gb-container gb-container-45d1dcec\">\n\n<p class=\"gb-headline gb-headline-90f93f0c gb-headline-text\">Tax savings on employee salary*<\/p>\n\n\n\n<p class=\"gb-headline gb-headline-aa2093de gb-headline-text\">CHF 783.-<\/p>\n\n<\/div><\/div>\n<\/div>\n\n\n<p class=\"gb-headline gb-headline-88ba226e gb-headline-text\">* Employer social security contributions 20%, employee social security contributions 15% and marginal tax rate of 25%<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-b3df8f73 gb-headline-text\">A card that makes the difference<\/h3>\n\n\n\n<p class=\"gb-headline gb-headline-9687f502 gb-headline-text\">The Swibeco Card is the best alternative to traditional meal allowances paid in the form of salary.<\/p>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-d3181e1b\">\n<div class=\"gb-grid-column gb-grid-column-78e39d85\"><div class=\"gb-container gb-container-78e39d85\">\n\n<h4 class=\"gb-headline gb-headline-b5cf293f gb-headline-text\"><strong>Cash meal allowance<\/strong><\/h4>\n\n\n\n<p class=\"gb-headline gb-headline-317ea03f\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"m256-200-56-56 224-224-224-224 56-56 224 224 224-224 56 56-224 224 224 224-56 56-224-224-224 224Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Subject to social security contributions and taxes from the first CHF<\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-c2235a6e\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"m256-200-56-56 224-224-224-224 56-56 224 224 224-224 56 56-224 224 224 224-56 56-224-224-224 224Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Amounts paid out not always spent on food<\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-005b706c\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"m256-200-56-56 224-224-224-224 56-56 224 224 224-224 56 56-224 224 224 224-56 56-224-224-224 224Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">At equivalent cost to the company, social charges reduce the net profit available to the employee<\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-2a4e1aae\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"m256-200-56-56 224-224-224-224 56-56 224 224 224-224 56 56-224 224 224 224-56 56-224-224-224 224Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Low impact on the employer value proposition<\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-f6a9e23c\"><div class=\"gb-container gb-container-f6a9e23c\">\n\n<h4 class=\"gb-headline gb-headline-e8037a4d gb-headline-text\">Swibeco Card<\/h4>\n\n\n\n<p class=\"gb-headline gb-headline-6e8a049b\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"M382-240 154-468l57-57 171 171 367-367 57 57-424 424Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Exempt from social charges and taxes up to CHF 2&#8217;160.- per year and per employee<\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-91384e05\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"M382-240 154-468l57-57 171 171 367-367 57 57-424 424Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Amounts paid out entirely dedicated to team meal expenses<\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-da267cae\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"M382-240 154-468l57-57 171 171 367-367 57 57-424 424Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">At equivalent cost to the company, a greater amount available to the employee<\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-027c3e7e\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"M382-240 154-468l57-57 171 171 367-367 57 57-424 424Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Daily use that enhances the benefit offered by the company<\/span><\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-32f1383b alignfull\">\n<div class=\"gb-container gb-container-a8a70e59\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-73d61ec0\">\n<div class=\"gb-grid-column gb-grid-column-3c9f3603\"><div class=\"gb-container gb-container-3c9f3603\">\n\n<h2 class=\"gb-headline gb-headline-005bd81e gb-headline-text\">3 simple steps to improve your company\u2019s appeal<\/h2>\n\n\n\n<p class=\"gb-headline gb-headline-c5bf1b07\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 -960 960 960\" height=\"24\" width=\"24\"><path d=\"M480.13-120q-74.67 0-140.41-28.34-65.73-28.34-114.36-76.92-48.63-48.58-76.99-114.26Q120-405.19 120-479.87q0-74.67 28.34-140.41 28.34-65.73 76.92-114.36 48.58-48.63 114.26-76.99Q405.19-840 479.87-840q74.67 0 140.41 28.34 65.73 28.34 114.36 76.92 48.63 48.58 76.99 114.26Q840-554.81 840-480.13q0 74.67-28.34 140.41-28.34 65.73-76.92 114.36-48.58 48.63-114.26 76.99Q554.81-120 480.13-120Zm-.13-40q134 0 227-93t93-227q0-134-93-227t-227-93q-134 0-227 93t-93 227q0 134 93 227t227 93Zm0-320Zm0 180h40v-360H400v40h80v320Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.swibeco.ch\/en\/demo\/\">Request a demo<\/a> and talk to our team about how to integrate Flexile Benefit lunch into your HR policy.<\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-9466b4fe\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24px\" viewBox=\"0 -960 960 960\" height=\"24px\"><path d=\"M480.13-120q-74.67 0-140.41-28.34-65.73-28.34-114.36-76.92-48.63-48.58-76.99-114.26Q120-405.19 120-479.87q0-74.67 28.34-140.41 28.34-65.73 76.92-114.36 48.58-48.63 114.26-76.99Q405.19-840 479.87-840q74.67 0 140.41 28.34 65.73 28.34 114.36 76.92 48.63 48.58 76.99 114.26Q840-554.81 840-480.13q0 74.67-28.34 140.41-28.34 65.73-76.92 114.36-48.58 48.63-114.26 76.99Q554.81-120 480.13-120Zm-.13-40q134 0 227-93t93-227q0-134-93-227t-227-93q-134 0-227 93t-93 227q0 134 93 227t227 93Zm0-320ZM380-300h200v-40H420v-95.38q0-10.77 6.92-17.7 6.93-6.92 17.7-6.92h70.76q27.62 0 46.12-18.5Q580-497 580-524.62v-70.76q0-27.62-18.5-46.12Q543-660 515.13-660H380v40h135.38q10.77 0 17.7 6.92 6.92 6.93 6.92 17.7v70.76q0 10.77-6.92 17.7-6.93 6.92-17.7 6.92h-70.76q-27.62 0-46.12 18.5Q380-463 380-435.13V-300Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Activate your account and define the amounts to be paid automatically to your staff. There are 3 fully digitized and automated options:<\/span><\/p>\n\n\n<div class=\"gb-container gb-container-3b06d6a6\">\n<div class=\"gb-container gb-container-7a18223f gb-accordion\" data-accordion-multiple-open>\n<div class=\"gb-container gb-container-88c01731 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-ae26515a gb-accordion__toggle\" id=\"gb-accordion-toggle-ae26515a\"><span class=\"gb-button-text\">Solution fully financed by the employer<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-7858fac6\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-7858fac6\">\n\n<p>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&#8217;160.- in additional net purchasing power per year.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-febe33c0 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-d3b88e17 gb-accordion__toggle\" id=\"gb-accordion-toggle-d3b88e17\"><span class=\"gb-button-text\">Solution co-financed by employer and employee<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-a3112aeb\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-a3112aeb\">\n\n<p>If the company makes a partial contribution to the employee&#8217;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.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-47f8de81 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-174c75c4 gb-accordion__toggle\" id=\"gb-accordion-toggle-174c75c4\"><span class=\"gb-button-text\">Solution fully financed by the employee<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-f4219b2e\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-f4219b2e\">\n\n<p>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.<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"gb-headline gb-headline-8945be9c\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 -960 960 960\" height=\"24\" width=\"24\"><path d=\"M480.13-120q-74.67 0-140.41-28.34-65.73-28.34-114.36-76.92-48.63-48.58-76.99-114.26Q120-405.19 120-479.87q0-74.67 28.34-140.41 28.34-65.73 76.92-114.36 48.58-48.63 114.26-76.99Q405.19-840 479.87-840q74.67 0 140.41 28.34 65.73 28.34 114.36 76.92 48.63 48.58 76.99 114.26Q840-554.81 840-480.13q0 74.67-28.34 140.41-28.34 65.73-76.92 114.36-48.58 48.63-114.26 76.99Q554.81-120 480.13-120Zm-.13-40q134 0 227-93t93-227q0-134-93-227t-227-93q-134 0-227 93t-93 227q0 134 93 227t227 93Zm0-320ZM380-300h135.13q27.87 0 46.37-18.5Q580-337 580-364.62v-66.15q0-23.69-12.38-35.31Q555.23-477.69 540-480q15.23-2.31 27.62-13.92Q580-505.54 580-529.23v-66.15q0-27.62-18.5-46.12Q543-660 515.13-660H380v40h135.38q10.77 0 17.7 6.92 6.92 6.93 6.92 17.7v70.76q0 10.77-6.92 17.7-6.93 6.92-17.7 6.92h-70.76v40h70.76q10.77 0 17.7 6.92 6.92 6.93 6.92 17.7v70.76q0 10.77-6.92 17.7-6.93 6.92-17.7 6.92H380v40Z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">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.<\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-304f805a\"><div class=\"gb-container gb-container-304f805a\">\n\n<figure class=\"gb-block-image gb-block-image-be9453cb\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"779\" class=\"gb-image gb-image-be9453cb\" src=\"https:\/\/www.swibeco.ch\/wp-content\/uploads\/Swibeco-card.png\" alt=\"\" title=\"Swibeco-card\"\/><\/figure>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-27ecc4f8 bg-half-container plateforme4 alignfull\">\n<div class=\"gb-container gb-container-0da677c8\">\n<div class=\"gb-container gb-container-5b75854b\">\n\n<h2 class=\"gb-headline gb-headline-7d9675b6 gb-headline-text\">Your centralized management interface<\/h2>\n\n\n\n<p>Our aim is to simplify the work of HR departments. That&#8217;s why we&#8217;ve set up Benefits Manager, your employee benefits management platform. An intuitive space, bringing together all the functionalities needed to optimize your administrative workload.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-32629307 gb-headline-text\">Automated payments<\/h4>\n\n\n\n<p>Don&#8217;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.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-bf6c6ce7 gb-headline-text\">Flexible benefits to suit your company&#8217;s needs and objectives<\/h4>\n\n\n\n<p>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.<\/p>\n\n\n\n<a class=\"gb-button gb-button-de694cba\" href=\"https:\/\/www.swibeco.ch\/en\/flexible-benefits\/\"><span class=\"gb-icon\"><svg viewBox=\"0 0 50 50\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path class=\"st0\" d=\"M36 38.1c.4 0 .7-.1 1-.4.3-.3.4-.6.4-1s-.1-.7-.4-1c-.3-.3-.6-.4-1-.4s-.7.1-1 .4c-.3.3-.4.6-.4 1s.1.7.4 1c.3.3.6.4 1 .4Z\"><\/path><path class=\"st0\" d=\"M46.3 4.5c-.6-.6-1.3-.8-2.1-.8H27.8c-.8 0-1.5.3-2.1.8-.6.6-.8 1.3-.8 2.1v32c0 .8.3 1.5.8 2.1s1.3.8 2.1.8h8.3v.2c0 1.4-1.1 2.6-2.6 2.6H5.9c-1.4 0-2.6-1.1-2.6-2.6v-8.3c.5 0 1 0 1.5-.1.5-.2 1-.3 1.5-.4.3 0 .7-.1 1.1-.2.7-.1 1.5-.3 2.2-.4L12 32v.1l-1.5 1.8-1.7 1.7-.7.7c-.4.3-.7.7-1.2 1-1.4 1-1.6 2.9-.6 4.3.6.8 1.5 1.2 2.5 1.2.7 0 1.3-.2 1.8-.6.6-.5 1-1.1 1.2-1.9.1-.5.2-1 .4-1.5.1-.3.2-.6.3-1 .2-.7.5-1.5.8-2.2.3-.7.6-1.4.9-2v-.2h.3l.8 2.3c.3.8.5 1.7.7 2.4 0 .3.1.6.2.8l.3 1.5c.2 1.5 1.5 2.7 3 2.7h.4c1.7-.2 2.9-1.7 2.7-3.4-.1-.8-.5-1.4-1-1.9-.4-.3-.7-.7-1.1-1.1-.2-.3-.5-.5-.7-.8-.5-.6-1-1.2-1.5-1.7l-1.4-1.9s0-.1.2-.1l2.3.4c.8.2 1.7.4 2.4.6.3 0 .6.2.9.3.5.1 1 .3 1.5.5.3.1.6.2.9.2v-1c-.2 0-.3 0-.5-.1-.5-.2-1-.4-1.6-.6-.3 0-.6-.2-.9-.3-.7-.2-1.6-.4-2.4-.6l-2.3-.4c-.6-.1-1.2.3-1.3.9 0 .3 0 .5.2.8l1.4 2 1.5 1.8c.3.3.5.6.7.9l1.2 1.2c.4.4.6.8.7 1.3.1 1.2-.7 2.2-1.8 2.3-.6 0-1.1 0-1.5-.4-.4-.3-.7-.8-.8-1.4 0-.5-.2-1.1-.3-1.6 0-.2-.1-.5-.2-.8-.2-.8-.4-1.7-.7-2.6l-.9-2.5c-.3-.5-1-.6-1.5-.3 0 0-.2.1-.3.3l-.2.4c-.3.6-.6 1.3-.9 2-.3.8-.6 1.5-.8 2.2-.1.4-.2.7-.4 1-.2.5-.3 1-.4 1.6 0 .5-.4 1-.8 1.3-.9.7-2.2.5-2.9-.4-.7-.9-.5-2.2.4-2.9.5-.4.9-.7 1.3-1.1.2-.2.5-.5.8-.7l1.7-1.7 1.5-1.8c.2-.3.3-.6.2-.8 0-.3-.2-.6-.4-.7-.2-.1-.4-.2-.6-.2l-2.5.3c-.8.1-1.6.3-2.3.4-.4 0-.8.2-1.1.2-.5.1-1.1.3-1.6.4-.4.1-.8.1-1.2 0v-4.1c.4-.1.9 0 1.3.1.5.2 1 .4 1.6.6.3 0 .6.2.9.3.7.2 1.6.4 2.4.7l2.5.5c.3 0 .5-.1.7-.3.2-.2.4-.5.4-.8 0-.2 0-.5-.2-.7L11.8 27l-1.5-1.8c-.3-.3-.5-.6-.7-.9-.4-.4-.7-.8-1.1-1.1h3.8c0 .2 0 .4.2.6.2.8.4 1.6.7 2.5l.8 2.3c.3.5.9.7 1.4.5.2 0 .4-.3.5-.5l.2-.4c.3-.6.5-1.2.8-1.8.3-.8.6-1.5.8-2.2.1-.4.2-.7.3-1h4.2c-.1.2-.3.3-.4.5-.5.4-.9.7-1.3 1.1l-.7.7-1.7 1.7-.4.4c-.4.5-.9 1-1.2 1.5-.3.6-.2 1.2.4 1.6.2.1.4.2.6.1l2.4-.3c.8-.1 1.6-.3 2.3-.4.4 0 .8-.2 1.1-.2.5-.1 1.1-.3 1.6-.4h.3v-1c-.2 0-.4 0-.6.1-.5.2-1 .3-1.5.4-.3 0-.7.1-1.1.2-.7.1-1.5.3-2.2.4l-2.4.3v-.2c.4-.4.8-.9 1.2-1.4l.4-.4c.6-.6 1.1-1.2 1.7-1.7l.7-.7c.4-.3.7-.7 1.2-1 .4-.3.8-.8 1-1.2h1.8V22H5.9C3.8 22 2 23.7 2 25.9v16.2C2 44.2 3.7 46 5.9 46h27.6c2.1 0 3.9-1.7 3.9-3.9v-.2h6.8c.8 0 1.5-.3 2.1-.8.6-.6.8-1.3.8-2.1V6.6c0-.8-.3-1.5-.8-2.1ZM16.7 23.1c0 .2-.1.4-.2.7-.2.7-.5 1.5-.8 2.2-.3.6-.5 1.2-.8 1.8l-.2.4h-.2l-.7-2.1c-.3-.8-.5-1.7-.7-2.4v-.4h3.7ZM3.4 25.6C3.4 24.2 4.5 23 6 23h1c.2.2.3.5.6.7.4.3.7.7 1.1 1.1.2.3.5.5.7.9.5.5 1 1.1 1.5 1.7l1.4 1.9h-.1l-2.2-.4-2.4-.6c-.3 0-.6-.2-.9-.3-.5-.1-1-.3-1.4-.5-.5-.2-1.1-.3-1.7-.2v-1.8Zm42.3 13.1c0 .4-.2.7-.5 1.1s-.7.5-1.1.5H27.7c-.4 0-.7-.2-1.1-.5-.3-.3-.5-.7-.5-1.1v-5.5h19.5v5.5Zm0-6.9H26.2V9.7h19.5v22.2Zm0-23.5H26.2V6.6c0-.4.2-.7.5-1.1s.7-.5 1.1-.5h16.4c.4 0 .7.2 1.1.5.3.3.5.7.5 1.1v1.7Z\"><\/path><\/svg><\/span><span class=\"gb-button-text\">Discover other Flexible Benefits<\/span><\/a>\n\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Flexible benefits Lunch Mealtime, whether in the office or elsewhere, is much more than just a break. It&#8217;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. Switzerland&#8217;s largest acceptance network for meals The Swibeco Card is &#8230; <a title=\"Lunch\" class=\"read-more\" href=\"https:\/\/www.swibeco.ch\/en\/flexible-benefits\/lunch\/\" aria-label=\"Read more about Lunch\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":41012,"menu_order":124,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-41041","page","type-page","status-publish"],"acf":{"type_page":"site_officiel"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Contribute to your employees&#039; meal costs<\/title>\n<meta name=\"description\" content=\"Offer up to CHF 180 per month per employee as a meal allowance and save on social security contributions and taxes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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