Lunch benefit

With lunch benefit you can offer your employees nutritious meals and relaxing lunch breaks – stress-free lunch break does not only fill the tummy but also
refreshes the mind.

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Great food equals more efficient working day

Encourage your employees to enjoy healthy and delicious lunches with Smartum's lunch benefit. With lunch benefit, your employees can enjoy their meals in almost 9000 lunch venues across Finland. Using lunch benefit is easy with SmartumPay mobile app or traditionally with lunch vouchers.

 You can offer lunch benefit as digital lunch saldo, paper vouchers, or as a part of SmartumPlus service. The choice is yours!

Digital lunch payment

Lunch saldo

Lunch as digital saldo

With Smartum's lunch saldo your employees can pay for their lunches with hassle-free SmartumPay mobile app, and in some cases with Smartum online payment. SmartumPay is up for a free download in app stores.

With lunch saldo it is possible to pay the amount between 8.00 € and 12.70 € at once, according to the guidelines of the tax authority. The lunch saldo in the employee's Smartum account will be valid for a 15 month period.
Ordering and costs

Ordering and managing Smartum's digital lunch saldo is easy in Smartum web service. You can offer the lunch saldo also as an ongoing subscription, in which case you don't have to create a new ordering list every month, but the system will create it automatically.

The price consists of account management fee (percentage), which is calculated of the nominal value of the saldo benefit being purchased. Management fee for lunch saldo is 1,5%. Invoicing fee is €15 per order. Value-added tax (24 %) will be added to the ancillary costs. The benefits themselves are free of value-added tax.
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Lunch voucher

Lunch as paper vouchers

The traditional paper voucher is the right choice for employers who don’t want to leave their employees empty-handed.
In 2023, the values of the lunch vouchers on sale are either 9.00 €, 11.30 € and 12.70 €. The vouchers are valid for a minimum of 12 months. The lunch vouchers on sale now are valid until 31st of December 2024.
Ordering and costs

Lunch vouchers are delivered in bundles of ten vouchers. After you have placed an order via our web service, the vouchers will be sent to you.

The delivery fee of orders placed in Smartum web service is €30. The delivery fee includes postage. Value-added tax (24 %) will be added to the delivery fee.

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Taxation of lunch benefit

Taxation of lunch benefit

Tax deductions with lunch benefit

The lunch benefit is a benefit worth money – for the employer as well as the employee. The employer can make tax deductions for the costs. As for the employee, they either get a fringe benefit in addition to the salary or a lunch deduction.

You can offer lunch benefit as digital saldo or paper vouchers. With lunch saldo the employees can pay the cost of part of the cost of their meal that lands between 8.00 € and 12.70 €. The vouchers are valued at 9.00 €, 11.30 € and 12.70 € in the year 2023.

Read more about the taxation of lunch benefit from our tax guide.

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