Coverflex Meal

A self-service and 100% digital experience

Coverflex’s app and card offer the only 100% self-service and digital experience, at a fixed and transparent price, to alocate and manage the meal allowance of your employees in Portugal.
Create and set up your account now - no need to talk to us!
meal
Coverflex's meal card and app
A tua calculadora de compensação
Location
Qual é o teu estado civil?
Número de dependentes?
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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

Self-service registration steps for Coverflex Meal

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.
Illustration of the VISA network in which employees can spend their meal allowance using Coverflex's meal card solution
Coverflex Meal company dashboard

Fixed and transparent price

A card and an app for the employee, and a dashboard for the company, at only 1 euro/month per employee. Coverflex Meal helps the company to save time and money.
€1/month per employee
Free card issuing on the annual plan
€6 per employee on the monthly plan

Your card, your app,
your choice

Checkout step of a meal purchase via Uber Eats using Coverflex Meal

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.
Coverflex card
Coverflex's meal card and app (with a descriptive of the latest movements)

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.

Coverflex Meal: a unique solution in Portugal

Coverflex
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, 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.
Transparent price: 1 euro/month per employee
No comissions, no extra costs, and no initial fees under the annual payment model. If you opt for the monthly payment model, only the cost of issuing the card will be added.
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 VISA 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.
Transparent price: 1 euro/month per employee
No comissions, no extra costs, and no initial fees under the annual payment model. If you opt for the monthly payment model, only the cost of issuing the card will be added.
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
450 companies and
9.000 employees

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?
Does the card really cost only 1€/month per employee? What about the issuing of the card?
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?