HR & Labor · 2026 Update
Meal Allowance: Card vs. Cash
How much your company saves with meal card payments. 2026: €6.15/day exempt in cash, €10.46/day exempt on card.
Parameters
Per working day
Annual average: 22 days
Marginal rate on excess
Comparison
Cash payment
Exempt up to €6.15/day
Monthly/employee230,12 €
Tax-exempt portion135,30 €
Taxed portion94,82 €
Employer SS (23.75%)22,52 €
Company cost/mo252,64 €
Best option
Card payment
Exempt up to €10.46/day
Monthly/employee230,12 €
Tax-exempt portion230,12 €
Taxed portion0,00 €
Employer SS (23.75%)0,00 €
Company cost/mo230,12 €
Annual company saving
2702,37 €
for 10 employees, over 12 months
270,24 €/ano
Saving per employee
352,73 €/ano
Employee net gain
2026 legal basis: meal allowance exemption set at €6.15/day in cash and €10.46/day on meal card (70% spread). Excess subject to income tax and social security (employer 23.75%, employee 11%). Indicative estimate.
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