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Recardy

Recardy

Tax-Free Benefits for Top Employers and Employees

Recardy is a German provider of employee benefits cards that combines tax-free non-cash benefits and meal allowances on a single card. Employers can provide their employees with up to €7.50 per workday for meals (Recardy Lunch), as well as a monthly €50 non-cash benefit and additional budgets for special occasions (Recardy Bonus). The card can be used anywhere Mastercard is accepted and can be optionally integrated with common HR software.

Compensation & Benefitssaas
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Use Case

Recardy helps employers in Germany provide employees with a higher take-home pay that is exempt from taxes and social security contributions, while reducing non-wage labor costs. Typical use cases: Meal subsidies of up to €7.50 per workday—even without a company cafeteria or when working from home—as well as monthly in-kind benefits of up to €50 and tax-free gifts (€60 each, up to 3 times per year). Companies can combine benefits (lunch + bonus) for a total of up to approximately €2,300 in additional purchasing power per employee annually. This boosts employer appeal, builds team loyalty, reduces costs associated with turnover and absenteeism, and supports local restaurants. For companies with their own cafeterias, Recardy offers data integration and optimization; a travel version (gas stations, hotels, restaurants) has been announced for business trips and on-the-go use.

Recardy Lunch enables employers to provide employees with a tax- and social security-free meal allowance—with or without their own cafeteria, even when working from home. Typical goals: motivating and retaining employees, reducing non-wage labor costs, and strengthening the regional restaurant industry. Employers can manage the benefit in compliance with the law so that it is used only on workdays (e.g., by applying the “15-day rule”), take into account the legally permissible daily amounts (breakfast vs. lunch/dinner), and include employee co-payments to optimize the flat-rate tax burden. For companies with a cafeteria, existing cafeteria solutions can be integrated (tracking of meals and co-payments from employees and guests). For companies without a cafeteria, a Mastercard-based credit model is used, which works at over 100,000 acceptance points (restaurants, cafés, bakeries, delivery services, supermarkets). Guidance on amounts: Marketing materials mention a meal allowance of €7.50 per workday; according to the technical report for 2024, the maximum daily amount is €7.23 (€4.13 in-kind benefit value + €3.10).

Target Audience

Employers of all sizes (1–10 to 1,001+ employees), particularly HR and finance teams in Germany; companies with or without a cafeteria; companies with remote or hybrid teams; employers with business travel or a vehicle fleet who wish to offer tax-advantaged benefits efficiently and in compliance with the law.

Source URLs

  • https://www.recardy.com/
  • https://www.recardy.com/lunch/?utm_source=openai
  • https://www.recardy.com/bonus/?utm_source=openai
  • https://www.recardy.com/pricing/?utm_source=openai
  • https://www.recardy.com/?utm_source=openai
  • https://www.recardy.com/home/?utm_source=openai
  • https://www.recardy.com/#recardy-info

unique_selling_points

  • Deutschland-spezifische Steuerlogik und 100% Rechtskonformität im Fokus
  • Eine Karte/App für mehrere Benefits (Lunch + Bonus), modular kombinierbar
  • Sehr breite Einlösemöglichkeiten via Mastercard – ideal für verteilte Teams
  • Kantinen-Integration zur präzisen und steueroptimalen Abrechnung
  • Potenzial zur Senkung von Lohnnebenkosten und Stärkung regionaler Gastronomie

benefit_caps_reference

Lunch per workday eur: 7.5

Bonus per month eur: 50

Gifts per year occassions 3x60 eur: 180

Section 37b estg prizes per year up to eur: 10000

Combined estimated max per employee per year eur: 2300

Note: Benefit-Höchstwerte laut deutscher Regelung; keine Servicepreisangaben.

geographic_focus

Germany

roadmap

Recardy Travel (Gas Station/Hotel/Restaurant) has been announced.