Coverflex Meal

VISA meal card, self-service and 100% digital
Coverflex’s app and card offer the only 100% self-service and digital experience to allocate and manage the meal allowance of your employees in Portugal.

Create and set up your account now – no need to talk to us!
emitir vale
Cartão refeição e app Coverflex
thousands of users choose Coverflex Insurance
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A tua calculadora de compensação
Location
Qual é o teu estado civil?
Número de dependentes?
Já tens um cartão de refeição?
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Daily value
Days
Vencimento Base
Outros rendimentos isentos
Quanto queres alocar ao teu salário bruto?
1 200€
Quanto queres alocar em benefícios?
1 200€
Por ano vais ganhar:
!
Pelas nossas contas, os benefícios da Coverflex podem aumentar o teu salário líquido até este valor.
{[{ result.net_gain | ceil }]}€
Sem benefícios
Coverflex
Employee Total Compensation
Monthly

{[{ input.base + result.benefits_plan + result.subsidio_refeicao | currency: '€' }]}
{[{ input.base + input.outros_IRS_SS + result.subsidio_refeicao| currency: '€' }]}
Salário bruto
{[{ input.base*14 + input.outros_IRS_SS*14 | ceil }]}€
{[{ input.base * 14 | ceil }]}€
Coverflex Benefits
0€
{[{ result.benefits_plan*12 | ceil }]}€
Gross Salary
Monthly
{[{ input.base + input.outros_IRS_SS | currency: '€' }]}
{[{ input.base | currency: '€' }]}
Subsídio de alimentação
{[{ result.subsidio_refeicao*11 | ceil }]}€
{[{ result.subsidio_refeicao_coverflex*11 | round }]}€
Compensação do colaborador
!
A compensação é o total do teu salário bruto, benefícios Coverflex e subsidio de alimentação. Com a Coverflex podes distribuir estes valores de forma a gastares menos, e ganhares mais com isso.
{[{ input.base*14 + input.outros_IRS_SS*14 + result.subsidio_refeicao*11 | ceil }]}€
{[{ input.base*14 + result.benefits_plan*12 + result.subsidio_refeicao_coverflex*11 | ceil }]}€
outros_IRS_SS
{[{ input.outros_IRS_SS | currency: '€' }]}
rendimento tributável
{[{ result.tributavel | currency: '€' }]}
{[{ result.tributavel_coverflex | currency: '€' }]}
Duodécimos
{[{ result.subsidios | currency: '€' }]}
{[{ result.subsidios_coverflex | currency: '€' }]}
taxa IRS (rendimentos)
{[{ result.taxa * 100 | number: '2' }]}%
{[{ result.taxa_coverflex * 100 | number: '2' }]}%
taxa IRS (duodécimos)
{[{ result.taxa_de_duodecimos * 100 | number: '2' }]}%
{[{ result.taxa_de_duodecimos_coverflex * 100 | number: '2' }]}%
tributavel IRS
{[{ result.tributavel | currency: '€' }]}
{[{ result.tributavel_coverflex | currency: '€' }]}
tributavel SS
{[{ result.incidencia | currency: '€' }]}
{[{ result.incidencia_coverflex | currency: '€' }]}
IRS
-{[{ result.retencao*12 | ceil }]}€
-{[{ result.retencao_coverflex*12 | ceil }]}€
Segurança Social
-{[{ result.seg_social*12 | ceil }]}€
-{[{ result.seg_social_coverflex*12 | ceil }]}€
Impostos do colaborador
!
Um salário bruto mais baixo, paga menos IRS e Segurança Social. Alguns benefícios são isentos de IRS e SS, enquanto outros são só isentos de SS. Nesta fórmula nós assumimos uma divisão igual entre estas duas opções.
{[{ result.total_taxas*12 | ceil }]}€
{[{ result.total_taxas_coverflex*12 | ceil }]}€
Compensação líquida do colaborador
!
O valor esperado que recebes após os impostos, de acordo com as tabelas de retenção de IRS de 2021.
{[{ result.valor_liquido*12 | ceil }]}€
{[{ result.valor_liquido_coverflex*12 | ceil }]}€
Custo da empresa
{[{ result.custo_total_empresa*12 | ceil }]}€
{[{ result.custo_total_empresa_coverflex*12 | ceil }]}€
for the company
for the employee

A matchless experience
just a click away

4 simple steps to start using Coverflex Meal
1
Company sign-up
2
Add employees
3
Top up cards
4
Employees receive the meal card and can start using it

Self-service and online process

Simple and quick to implement - no intermediaries, no bureaucracy! Register your company in a 100% autonomous way, add your employees, order the meal cards and set the amount of meal allowance to be transferred.

Card works within the VISA network

Restaurants, supermarkets, food delivery services... As long as they’re within the VISA network, the Coverflex card will work. The company can keep up with the status of each employee on the dashboard and top up the meal card in less than a minute.
A rede VISA em que o cartão Coverflex é aceite para utilizar o subsídio de alimentação
Screenshot da plataforma de gestão do subsídio de alimentação através do cartão refeição da Coverflex

Fixed and transparent price

With a card and an app for the employee, and a dashboard for the company, Coverflex Meal has no extra costs or hidden commissions!
€1.50/month per employee on the annual plan
2.50€/month per employee on the monthly plan
+€6 per card

Your card, your app,
your choice

Uber Eats, Continente, and many more

Your card works in supermarkets, restaurants and food delivery services, both online and offline. You can also enjoy exclusive discounts with our partners, such as Mercadão and EatTasty.

Is it VISA? You’re good to go, then!

Wherever you go or order from, you don’t need to check anymore whether your meal card is accepted. Your Coverflex card works wherever VISA is accepted and - bonus! - it’s contactless.
O cartão refeição da Coverflex

Access the app anytime

Receive your meal allowance, keep up with your past account movements and enjoy exclusive discounts! You can manage your Coverflex account in your phone (app) or desktop.

A unique solution in Portugal

Other providers
Self-service experience
No more requesting for budgets, negotiations or wait times: just register with total autonomy and start using our product!
Available online and offline
It's simple: if it’s within the VISA network, it’s within the Coverflex network.
A card and an app per employee
A single smart card and an app that allows the employee to manage their meal allowance by the second.
€1.50/month per employee - annual plan
... And €2.50/month per employee on the monthly plan. There's a card issuing cost of €6. No commissions, no extra costs!
Flexible benefits, just one click away
Upgrading to the Coverflex integrated benefits solution is easy, quick and immediate.
Dedicated network of discounts for the meal card
A growing network of discounts in places where Coverflex Meal can be used.
get started
Create and set up your account now - no need to talk to us!
Self-service experience
No more requesting for budgets, negotiations or wait times: just register with total autonomy and start using our product!
Available online and offline, wherever VISA is accepted
We’re not a closed network, with individual negotiations with each establishment. If it’s within the VISA network, it’s within the Coverflex network.
A card and an app per employee
A single smart card and an app that allows the employee to manage their meal allowance by the second.
€1.50/month per employee - annual plan
... And €2.50/month per employee on the monthly plan. There's a card issuing cost of €6. No commissions, no extra costs!
Flexible benefits, just one click away
Upgrading to the Coverflex integrated benefits solution is easy, quick and immediate.
Dedicated network of discounts for the meal card
A growing network of discounts in places where Coverflex Meal can be used.

Trusted by more than 7.000 companies and 150.000 employees

logo Cocus - cliente Coverflexlogo Cafeína - restaurante cliente Coverflexlogo Predibisa - clientes Coverflex Refeiçãologo Bolt - utilizadores do cartão refeição da Coverflex
logo da UNIK: empresa cliente dos vales refeição Coverflexlogo KuantoKusta: utilizadores Coverflexlogótipo da Velocidi: empresa utilizadora da solução Coverflex para refeição e benefícios
logo da Fuze: empresa utilizadora do cartão refeição da Coverflexlogo Do It Leanlogo beta-ilogo Let's Get Checked: clientes Coverflex Refeição

FAQs

How does Coverflex Meal card work?
What is the real saving that Coverflex Meal allows the company?
How long does it take to register? And how long after the request do the employees receive the card?
How much does Coverflex Meal cost?
Can I use Coverflex Meal to pay for groceries online and order food in food delivery apps?
Does the Coverflex Meal card support integration with digital wallets via NFC? What about MB Way?
I’m a Coverflex Meal user. How can I check my balance?