We extended the validity of all electronic saldo-benefits that are expiring between 17.3.-30.9.2020 by 3 months Read more in our bulletin (in Finnish)

Make it easy for your employees to enjoy a healthy lunch every day with Smartum Lunch benefits.

The Smartum lunch network is growing fast, and more than 7000 outlets across Finland accept Smartum payment instruments. Smartum users can take their pick.

You can choose either the electronic Smartum Lunch Saldo or the more traditional paper vouchers.

Smartum Lunch Saldo

  • Lunch Saldo can be used with hassle free SmartumPay mobile application. SmartumPay is available for free download in app stores (Google Play Store and App Store). Until the end of 2020, you can pay with Smartum payment card, which is used to pay for the lunch just like any bank card.
  • Administering electronic benefits is easy for the employer, as everything is done through the Smartum online service. Only one Smartum account is needed for storing all employee benefits, whether they involve supporting physical exercise, cultural activities, or a healthy lunch.
  • The benefits are usable right away with the free SmartumPay application once the benefit has been loaded into employees’ accounts.
  • According to the Tax Administration’s decision on fringe benefits 2020, the minimum amount of value to be used is €6.80 and the maximum €10.70.
  • Value stored on the employee’s card for the lunch benefit is valid for 15 months.

Smartum Lunch voucher

  • This traditional paper voucher is the right choice for employers who don’t want to leave their employees empty-handed.
  • In 2020, the values of the Smartum Lunch vouchers on sale are either 8,20 €, 10,00 € and 10,70 €.
  • The vouchers are valid for a minimum of 12 months. The Smartum Lunch vouchers on sale now are valid until 31st of December 2021.
  • Smartum Lunch vouchers are delivered in bundles of ten vouchers. After you have placed an order via our online service, the vouchers will be sent to you.

Select the amount of the lunch benefit and the tax mode – the ball is in your court

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.

A fringe benefit is a benefit offered on top of the salary. A lunch deduction means deducting the benefit’s taxable value, i.e., 75%, of the employee’s salary. See here for more information about the lunch benefit taxation.

Whichever you choose, you order the lunch benefit from Smartum in the same way. The only difference is how you process the benefit inside your company.

Join the group of enlightened employers that offer their employees the chance to have a healthy, balanced meal every day.

Download Smartum Lunch benefit brochure.

Order Now