These instructions will guide you through creating benefits for your employees in Smartum Saldo.
Article contents
I want to register for Smartum Saldo
Adding benefit packages to an order
Employee registration for a benefit
Last updated: 12 August 2025
I want to register for Smartum Saldo
Smartum is now part of Epassi, so it is no longer possible to register as a new customer for Smartum Saldo.
If you are ordering Smartum benefits for your company for the first time, register with Epassi and order benefits for your company here.
Creating an order
💡 What information should I prepare before starting?
Before you begin, decide how much benefit you want to allocate and in what packages. Our article The four key decisions for benefit distributors can help with this.
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Log in to Smartum Saldo from this link or via the Log in button at the top of the Smartum.fi page.
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Before continuing, check the top-left menu to make sure you’ve selected the correct company and role.
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2. To order Saldo, select Order Saldo from the left-hand menu.
3. In the Start Smartum benefit order view, name your order so that both you and employees can easily recognize it later (e.g., “Exercise & Culture 2025” or “Lunch Benefit Autumn 2025”).
You have two options for creating the order:
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Create a new order (recommended)
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Copy a previous order and employees (use only if no changes are needed to employees, benefit types, or amounts)
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Choose your preferred option and click Start ordering.
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Fill in the order’s basic details, such as the name and message to employees. Adjust the template text if needed. Click Next.
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Set the registration period (start and end dates). This is the time when the registration link will be active, and employees can sign up for the benefit.
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Allow enough time—this cannot be changed later. If someone misses the deadline, you’ll need to create a separate link for them.
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4. Under Recurring order, you can choose to repeat the same order monthly (ideal for lunch benefits; exercise/culture benefits are usually annual).
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If you select recurrence, you must approve the order each month before it’s sent out.
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💡 Tip for lunch benefits: Advise employees to order only as much as they plan to use, as unused lunch benefits that expire will not be refunded to the company account.
If you don’t want the order to repeat, leave the settings at “no recurrence” and skip this step.
Adding benefit packages to an order
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Name your first benefit package.
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Select which benefits to include in the package and enter the amount (in euros) for each benefit per employee.
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Example: Package 1 includes €300 in exercise & culture balance and €100 in massage balance.
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You can also offer alternative packages on the same order:
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Example A: Lunch benefit options – 10 × €10.90 or 20 × €10.90
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Example B: Different content –
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Package A: Exercise & Massage
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Package B: Exercise & Culture
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Package C: Commuting & Massage
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⚠️ Employees can only choose one package when registering.
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Add optional questions for employees to answer during registration (e.g., employee number, manager’s name). For predefined answer options, separate them with a semicolon.
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When ready, click Save the information.
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Review the order on the summary page and make any needed changes.
⚠️ You cannot combine benefit packages or add new benefit types later.
Employee registration for a benefit
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In Smartum Saldo, employees are not added to the order by the administrator. Instead, they register themselves via a registration link.
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Send the link to employees. You’ll find it on the order summary page—copy it and share by email, intranet, etc.
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Employees have until the registration deadline you set to sign up. You can extend the registration period before placing the order by clicking Edit order.
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Employees log in with their existing Smartum credentials or create a new account. They will see the benefit packages and any additional questions you added.
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New employees can only be added through the registration link—copy and share it from the summary page.
Completing the order
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Track registrations in the Employees tab of the order.
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After the registration period ends (or once everyone is registered), you can still adjust benefit amounts or co-payments for all or individual employees.
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Approve or reject registrations individually or all at once. You can also download an Excel file with employee names, benefit amounts, and co-payments.
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Once everything is confirmed, the Order Saldo button becomes active. Click it to proceed.
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Add your company’s billing details.
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A prepayment invoice will be sent automatically. Once payment is received, benefits will be loaded to employees’ accounts the following evening at 18:00.
💡 For returning customers: If there are unused benefits that have been returned to your company account, these will automatically reduce the invoice total for the corresponding benefit type.
