Coverflex Refeição
The best solution for assigning and managing meal allowance in Portugal
A meal card that works across the entire VISA network. Digital and self-service, now FREE for up to 25 employees.
Save thousands of euros per year while giving more to your employees
Number of employees
Daily meal allowance amount
In Cash
For the company
Total monthly cost
2.178€
TSU (23,75%)
620€
For the employee
Net monthly value
154,16€
Assigned monthly amount
8€
Net daily value
7€
SS (11%)
4,84€
IRS (25%)
11€
Coverflex Meal
For the employee
Total monthly cost
2.178€
TSU (23,75%)
0€
For the employee
Net monthly value
154,16€
Assigned monthly amount
8€
Net daily amount
7€
SS (11%)
0€
IRS (25%)
0€
Monthly savings for the company
418€
More than 8.500 companies and 180.000 employees trust us
For the company
Full autonomy and simplicity: assign the right amount to each employee's meal card with a simple click.
Fiscal benefits (TSU exemption)
Fixed pricing, with no surprises
Simplified management on a single platform
Online and self-service process
Employee satisfaction? Guaranteed
Tax benefits (TSU exemption)
By paying the meal allowance with the Coverflex meal card, you benefit from TSU exemption on the assigned amount (up to the limit of €9.60 instead of €6 when paid in cash)
Fixed and transparent pricing, starting from €0
With Coverflex Meal, there are no surprises. The price is fixed, with no hidden fees. The solution is completely free for companies with up to 25 employees.
Simplified management on a single platform
Assign and manage your employees' meal allowance on our 100% digital platform.
Online and self-service process
You can create and set up your account and subscribe to our solution without needing to speak with us.
Employee satisfaction guaranteed
Ensure you’re offering the best to your employees. With an average rating of 4.7/5 across all platforms, Coverflex Meal won’t disappoint them.
For the employee
A card and an app offering freedom of choice, widespread acceptance and unique discounts.
More value every month
Widespread acceptance
Integration with Apple Pay and Google Pay
Access to exclusive discounts
Tax benefits (IRS and TSU exemption)
By paying meal allowance with Coverflex, your employees are exempt from paying IRS and TSU on the received amount, giving them more money at the end of the month.
Access to the VISA network (> 150,000 establishments)
With Coverflex Meal, the card can be used at any VISA terminal, for online and offline purchases.
Integration with Apple Pay and Google Pay
Carrying the card is no longer necessary. Integration with Apple Pay and Google Pay enables payments without a physical card.
Access to exclusive discounts
Payments with the Coverflex meal card provide access to exclusive discounts from various partners.
A one-of-a-kind solution
Other solutions
Free solution
Completely FREE for up to 25 employees. Beyond that, only €1.50 per month per employee on the annual plan. No extra fees.
Fully autonomous experience: self-service
No quote requests, negotiations, or waiting times: just sign up and start using the product!
One card and one app per employee
A unique, smart meal card, and an app that allows employees to manage their meal allowance on the go.
Contactless VISA card: works online and offline
Usable at over 150,000 establishments in the VISA network. Easily pay without the card through Apple Pay or Google Pay.
360º compensation at the click of a button
Upgrading to Coverflex’s all-in-one solution — Benefits, Insurance, Budgets, Flexpay, and Childcare — is easy and instantaneous.
Exclusive discount network
Get access to discounts from over 50 partners: 360Hyper, Mercadão, Adidas, Sofarma, Fitness Hut, and so many more.
start now
Sign up and start using in seconds; no need to talk to us!
Experiência totalmente autónoma (self-service)
Sem pedidos de orçamento, negociações ou tempos de espera: é só efetuar o registo e começar a utilizar o produto!
Disponível online e offline, onde quer que VISA seja aceite
Não somos uma rede fechada, com negociação individualizada com cada estabelecimento. Se aceita VISA, aceita Coverflex
Um cartão VISA e uma app por colaborador
Um cartão único, inteligente, e uma app que permite ao colaborador gerir, ao segundo, o seu subsídio de refeição
1,50€/mês por colaborador no plano anual
... E 2,50€/mês por colaborador no plano mensal. O cartão tem um custo único de emissão de 6€ por colaborador. Sem comissões, sem custos extra.
Benefícios flexíveis à distância de um clique
O upgrade para a solução integrada de benefícios da Coverflex é fácil, rápido e instantâneo
Rede de descontos específicos para o cartão refeição
Uma rede crescente de descontos em locais onde o Coverflex Refeição pode ser utilizado
What our customers say about us
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
Os nossos utilizadores adoram-nos!
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?
