The flexible compensation platform

A single card to offer flexible benefits, meal allowance, insurance, discounts, and more — our solution allows you to save, on average, €1,000 per employee. 1

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🏆 #1 solution in Portugal
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Does your company already have Coverflex? Then talk to us

Trusted by more than 7.000 companies and 150.000 employees

360º Compensation

The all-in-one solution to manage and enjoy multiple benefits.

Benefits
Childcare

Voucher
Retirement Investment
Health 

& Well-being
Education Expenses
Gym
& Fitness
and more...
Budgets
Learning 
& Personal Development
Team activities
Transportation
Remote

Work
and any other policy your team enjoys...
Meal
card that works anywhere
use it online 
or in-store
Insurance
Health Insurance
Life Insurance
Flexpay

Let your employees choose when they want to get paid

On-demand
Scheduled payments

Why Coverflex?

Number of employees
Average benefits balance (yearly)
€1 200
Annual savings
€19 400
Social Security exemption (23,75%)
Location
What is your relationship status?
Number of children
Daily value
Days
Vencimento Base
Outros rendimentos isentos
How much allocated to Gross Salary?
1 200€
How much allocated to Coverflex Wallet?
1 200€
Your annual net gain
{[{ result.net_gain | ceil }]}€

Tax optimisation

Flexible benefits help employees to optimise their compensation and save significantly on their everyday expenses.

You’ll be cutting costs while your employees reach their full earning potential.

learn more

Why Coverflex?

Everything in one place

Coverflex lets you pick and choose the benefits you want to give your people and helps you manage them all in one place.

For one benefit or many, simplifying management and centralizing your processes is the way to go.
learn more

Why Coverflex?

Let your people choose

Empower your team to make decisions on how to spend their own compensation on the go.
get started
*All numbers consider a 27% personal income tax (IRS) rate and 11% rate for Social Security.
Yoga class
Personal Growth Budget
€105.32 available
€500 total

Your compensation, your way.

Coverflex lets you decide how to spend your compensation in the moment, to fit your changing needs. Our benefits are designed to be accessible for all.

Flexpay
September
240€
available
300€
transferred
60€
daily amount
Uber Eats
35€
Savings
11,03€
Social Security exempt
IRS exempt
Apple Airpods
198€
Savings
121,36€
Social Security exempt
IRS exempt
Childcare voucher
350€
Savings
110,25€
Social Security exempt
IRS exempt
Health Insurance
add family
Eric Cartman
4,32€ by month
benefits budget

Thousands of stores, partners, restaurants and supermarkets

and many more!

3 weeks

implementation

89 h

saved per year in
company efforts

4.9/5

user satisfaction

+10%

average increase in compensation

Find all about what our  customers have to say about us

User friendly, very easy to use. Allows us to manage most of our benefits. Service team is overall supportive. Definitely recommend Coverflex in comparison with other platforms we [had a] demo with. We have been with Coverflex for more than a year now and we're happy.
Sara A.
Head of People
The best card I had so far. The app is excellent. I love using Coverflex.
Andrea P.
Chief Commercial Officer
The most complete all-in-one solution for employee benefits and perks. All meal, non-taxable benefits, budgets and employee perks in one app with great UX/UI.
Miguel S.
Venture Partner
If you don't have Coverflex in your company, you're missing out. It’s excellent - not only the product, but also the sales and support teams. It allows for centralisation and automation of a great deal of organisational bureaucracy, and often at a much cheaper price than the other platforms.
Adriano M.
COO
1. Onboarding is super easy and quick. 2. Pays for itself - both employers and employees save huge amounts of money. 3. Stellar customer service. There are valid alternatives in the market but everyone of them solve a single pain point, whereas Coverflex is a 360 solution: childcare vouchers, meal card, health insurance, you name it.
João B.
Head of Growth
Very intuitive and easy to use. Almost instant chat support when needed. Coverflex is a platform that allows employees to manage their flexible benefits, completely autonomously and on their own timings, which makes a world of difference.
Sofia N.
People Culture Support
Great software. Ease of use, benefits, support, dedicated team.
Jaime J.
CEO
Coverflex greatly reduces administrative work and gives the employee the power to choose what they want to do with the money they have available.
Sandra Nave
Head of Finance at Stellaxius
It is placing the burden of decision making on employees, on what are the benefits valued by our people.
Irene Rua
Human Resources Director at Doutor Finanças
Coverflex had a very positive impact for us, and the platform itself is geared towards the employee: it places them as the decision maker of their own income.
Cátia Viana
People Operations Manager at Emma
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)

No product is perfect.

But we want to get there.

We believe transparency is paramount: read not only our most glowing reviews but also some of the less positive feedback we’ve received. We keep working daily to create a spotless experience to all our users.
read more testimonials
Sustainable and reliable

Coverflex Products

Meal

The best experience to manage and spend Meal Allowance.

Annual plan
1,50€/month
per employee
Monthly plan
2,50€/month
per employee
+ 6€ per card
Chosen by

Wallet

The easiest way to award, manage and enjoy multiple benefits, includes our Childcare and Meal services.

Annual plan
7€/month
per employee
Monthly plan
9€/month
per employee
+ 6€ per card
Chosen by

Childcare

The first fully digital and autonomous experience to issue childcare vouchers.

3%
commission per childcare voucher