Tax optimization, process optimization, and talent retention

Simplify the management of your employees' compensation by making it simple, easy, and automated. Increase talent retention while maximizing savings through flexible benefits

Over 8.500 companies and 180.000 employees employees trust us

Coverflex is the solution you're looking for

Assign meal allowances via card and enjoy tax benefits.

The Coverflex Meal Card is free and can be used across the entire Visa network. Implement our solution independently through a self-service and online process

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What they say about the Coverflex meal card:

Excellent app, very intuitive, very simple. I love Coverflex! It gave me a range of possibilities compared to my previous card. Great partnerships! Excellent work.
Ana Félix
Coverflex has solved the problem with meal cards, which could only be used at a limited number of establishments, allowing it to be used in multiple locations.
Diogo G.
Marketing and Advertising Specialist at a company with up to 50 employees
It allows me to transfer meal allowances and benefits to our employees through a single platform. Additionally, it helps employees easily understand where they can use their benefits. It’s very user-friendly.
Rita F.
HR Manager at a company with up to 50 employees
I love the simplicity of the app as well as its visual design. It’s very modern and intuitive. I love being able to use the meal card to pay on food delivery platforms.
Ana C.
Administrative Assistant at a company with up to 50 employees
De todos os cartões refeição com os quais tive contacto, é sem dúvida o melhor!
Jéssica C.
Senior Technician at a company with up to 50 employees
The Coverflex (card) is fantastic—very easy to use and accepted at any terminal that accepts Visa. It allows you to legally reduce taxes. Simple, clear communication with no fine print.
Artur
Além de oferecer vários descontos e ofertas, é um cartão que podemos usar em praticamente todos os estabelecimentos. Nunca tive de me preocupar se o cartão ia funcionar num novo restaurante que fosse.
Mariana

Increase your employees' liquidity/compensation by providing them with a flexible benefits balance while enjoying tax exemptions.


A solution that combines benefits, a meal card, and childcare vouchers in one. The balance can be used across different categories outlined by Portuguese law, with TSU and/or IRS exemptions.

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Explore our dashboard

Increase your employees' liquidity/compensation by providing them with a flexible benefits balance while benefiting from tax exemptions.



A solution that combines benefits, a meal card, and childcare vouchers in one. The balance can be used across various categories defined by Portuguese law, with TSU and/or IRS exemptions.

know more

The #1 solution for medium companies in Portugal

Flexible benefits allow for better tax optimization in your company

Employees gain more autonomy and flexibility in managing their benefits

Centralizing employee compensation makes teams more efficient

Advantages of Coverflex

More liquidity for employees

Cost optimization for the company

Easy management on a single platform

Single point of contact and continuous support

Coverflex Advantages

Flexible benefits = better tax optimization

A single platform for managing employees

One single point of contact and a fixed price

Os melhores preços, à tua medida
Temos acesso aos melhores planos do mercado e a preços altamente competitivos, bem como a planos-assinatura por medida, desenhados para as necessidades de cada um.
Experiência intuitiva, integrada e com acompanhamento constante
Uma gestão intuitiva dos seguros, sempre com o acompanhamento da nossa equipa dedicada. Maximizem a poupança de tempo e dinheiro com a integração total de seguros, subsídio de alimentação e de benefícios num único local.
Flexibilidade e autonomia
Maximizem a poupança com a aquisição de um plano base de seguros e permitam que cada colaborador faça, de forma autónoma, upgrade para um plano de cobertura superior, isento de impostos (SS e IRS), através do saldo de benefícios disponível na Coverflex.
Gerir Colaboradores
Gestor especializado designado para gerir benefícios relacionados com Vida, Saúde e Acidentes de Trabalho, auxiliando na resolução de casos complexos. Além disso, desempenha um papel crucial na comunicação efetiva do plano tanto à equipa de Recursos Humanos quanto aos colaboradores, assegurando uma compreensão abrangente e transparente das vantagens oferecidas.

Coverflex Experience from Medium Business managers in Portugal

All we had to do before, for example, to request the monthly pass refund for public transport - buying, requesting the invoice, delivering it to our finance department, and only receiving that amount at the end of the month - became much simpler.

Guilherme Anastácio, Communication and Affiliate Marketing Manager at ComparaJá

We didn't want to be in a paternalistic position. We see Coverflex as the option. This is how we see the benefits.

António Cunha, Head of People & Culture at Care to Beauty

We are an IT company, and there are many job offers for few engineers. Attracting and retaining talent has always been a challenge. Freedom, autonomy, and flexibility have always been a concern in this regard.

Cátia Barbosa, HR & Office Operations at Jscrambler
Os nossos utilizadores adoram-nos!
4.5 on Google Play
(2,712 reviews)
4.5 on Apple Store
(3,325 reviews)
4.5 on Capterra
(50 reviews)
4.7 on G2
(14 reviews)