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 allocate and manage the meal allowance of your employees in Portugal. Create and set up your account now – no need to talk to us!
Over 25 employees? Request a proposal
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A tua calculadora de compensação
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Quanto queres alocar ao teu salário bruto?
1 200€
Quanto queres alocar em benefícios?
1 200€
Por ano vais ganhar:
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Sem benefícios
Coverflex
Salário bruto
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{[{ input.base * 14 | ceil }]}€
Coverflex Benefits
0€
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Subsídio de alimentação
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{[{ result.subsidio_refeicao_coverflex*11 | round }]}€
Compensação do colaborador
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{[{ 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 }]}€
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
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{[{ result.total_taxas_coverflex*12 | ceil }]}€
Compensação líquida do colaborador
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{[{ result.valor_liquido_coverflex*12 | ceil }]}€
Custo da empresa
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{[{ result.custo_total_empresa_coverflex*12 | ceil }]}€
for the company
for the employee
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/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
1.400 companies and
27.000 employees












FAQs
How does Coverflex Meal card work?
Coverflex Meal is a unique solution for the attribution of food allowance by a company to its employees in Portugal. With an immediate and a 100% autonomous registration and onboarding process, access to the largest network of establishments in Portugal (VISA network), online and offline, and a fixed and transparent price of 1 euro per month per employee, the Coverflex Meal card experience is unlike any other on the market.
What is the real saving that Coverflex Meal allows the company?
Coverflex Meal allows the company an annual tax saving of 164.38 euros per employee (692.12 euros * 23.75% of TSU). This comes from the amount of meal allowance that is not subject to taxation when paid by card (7.63 euros per day) versus what happens when the meal allowance is paid in cash (4.77 euros).
This additional difference of the extra 2.86 euros per day, free of charge, multiplied by 22 days a month and for 11 months a year, allows the company a real saving of 2.86 euros * 22 * 11 * 23.75% = 164.38 euros.
This additional difference of the extra 2.86 euros per day, free of charge, multiplied by 22 days a month and for 11 months a year, allows the company a real saving of 2.86 euros * 22 * 11 * 23.75% = 164.38 euros.
How long does it take to register? And how long after the request do the employees receive the card?
The registration process is instantaneous and it’s also self-service if you’d rather do it by yourself - a unique experience in Portugal in what comes to meal cards! It doesn't involve boring, time-consuming negotiations and endless sequences of emails. It's done right here, through this page, in a matter of minutes!
Regarding the meal cards, after completing the registration and the respective request, they will be sent to the stipulated address and delivered within a maximum of 8 working days!
Regarding the meal cards, after completing the registration and the respective request, they will be sent to the stipulated address and delivered within a maximum of 8 working days!
Does the card really cost only 1€/month per employee? What about the issuing of the card?
It really is only 1 euro per month per employee! A fixed and transparent price, with no hidden costs or additional commissions.
In what comes to the issuing of the card, in case you opt for an annual subscription (€12/year per employee), the issuing is free of charge and there is no other cost involved! If you opt for the monthly subscription (payment month by month), the one-time cost of issuing the card (€6 per employee) applies.
In what comes to the issuing of the card, in case you opt for an annual subscription (€12/year per employee), the issuing is free of charge and there is no other cost involved! If you opt for the monthly subscription (payment month by month), the one-time cost of issuing the card (€6 per employee) applies.
Can I use Coverflex Meal to pay for groceries online and order food in food delivery apps?
Yes! If a website/app accepts a VISA card, it accepts the Coverflex card! The Coverflex Meal card is accepted in food delivery apps (Uber Eats, Bolt Food, Glovo, Too Good to Go, EatTasty) and in online supermarkets such as Continente Online, Mercadão and many others!
Does the Coverflex Meal card support integration with digital wallets via NFC? What about MB Way?
At the moment, the Coverflex Meal card does not yet support integration with digital wallets, but - great news - that feature is coming your way very soon! We will inform you as soon as the required integrations are completed. Regarding MB Way, there is currently no integration with the Coverflex card. If one day this feature is released, you will be the first one to know!
I’m a Coverflex Meal user. How can I check my balance?
With Coverflex Meal, checking the balance and recording transactions is very easy and immediate. Just access your Coverflex app and log in, and you'll be able to check all the information you need (balance and transaction log, as well as other settings) right away. Alternatively, you can access your desktop user area (my.coverflex.com) and access all this information there too.