Swibeco Lunch Card vs Meal allowance paid in cash

If your employer is already providing you with a meal allowance paid in cash, the Swibeco Lunch Card may be a very appealing alternative for you. It is exempted from social security contributions and taxes up to 2,160 CHF per year, thus providing you with additional purchasing power to spend on meals & food.


For example, with a meal allowance equivalent to 2,160 CHF paid in cash, you would only get 1,406 CHF* Net after tax. However, with the Swibeco Lunch Card, you would have 754 CHF extra purchasing power! Why deprive yourself of that money?

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* based on 7% employee social security contributions and 30% income tax

On top of this significant financial incentive, the Swibeco Lunch Card also has three advantages compared with lump sum.

A straightforward, modern card

The Swibeco Lunch Card is simple, smart, well-adapted to modern life and will provide you with an empowering experience. Like other cards in your wallet, it bears your name and has a PIN code for greater security (modifiable in all Swiss Bankomats).

Accepted almost everywhere

The Swibeco Lunch Card can be used in the wide network of establishments that accept lunch checks in Switzerland: supermarkets, minimarkets, restaurants, delicatessens, canteens and fast food outlets, i.e. more than 30,000 establishments. You will therefore be sure to enjoy an ever-varied lunch break and a real time-out for a sense of well-being and balance.

Simple daily management

You will be able to use a mobile app and an extranet to check your balance and transaction history at any time