At first glance, the €50 benefit card might seem like a small perk, but in practice, it offers much more: It’s completely tax- and social security-free and significantly boosts employee motivation, satisfaction, and retention. Thanks to its flexible usage – from the cafeteria to online shops – and easy management via the HelloBonnie Smartcard platform, it quickly becomes your team’s favorite benefit.
In this guide, you'll learn how to make the most of the €50 tax-free allowance, the legal framework to be aware of, and how to seamlessly integrate this benefit into your daily business.
What is the non-cash benefit – and why is it so attractive?
The tax-free non-cash benefit under §8 Para. 1 Sentence 3 EStG allows you to grant employees up to €50 per month in non-monetary perks in addition to their regular salary – completely exempt from tax and social security contributions. Since the increase from €44 to €50 in 2022, this benefit has become even more attractive.
Important: The benefit must be provided monthly and cannot be retroactively paid out at the end of the year – this ensures its tax-free status.
What can you do with the €50 Benefit Card?
With the HelloBonnie Smartcard, you give your employees a universal prepaid card that can be used anywhere Mastercard is accepted and that meets all ZAG compliance criteria. Examples of eligible uses:
- Rechargeable gift cards for online and offline shops
- Fitness and wellness memberships (e.g., Urban Sports Club, EGYM Wellpass)
- Fuel and mobility vouchers – including the Deutschlandticket (since May 2023)
- Food subsidies, cafeteria meals, or online grocery shopping
- Professional development, books, or language courses
- Internet allowance to support remote work
- Local shops and restaurants – support the local economy
Additionally, you can give up to €60 three times per year, tax-free, for special occasions (e.g., birthdays, weddings, work anniversaries) – a great way to celebrate milestones.
Benefits for Employees
- Maximum flexibility: The HelloBonnie Smartcard works like a debit card – employees choose how to use their bonus.
- No deductions: As a non-cash benefit, no tax or social contributions apply – the full €50 reaches your employees.
- Quick access: Monthly top-ups directly to the card, no receipts or reimbursement processes needed.
- Personal recognition: Customized benefits show genuine appreciation and increase emotional connection to the company.
Benefits for Employers
- Tax- and contribution-free: Up to €600 per employee per year – with zero deductions.
- Easy to manage: Top up cards digitally through the HelloBonnie platform – complete control and clear reporting.
- Cost-effective: More efficient than a traditional salary increase – you save on payroll taxes and invest in employee happiness.
- Boost your culture: Modern, flexible benefits improve employer branding and reduce turnover.
How the HelloBonnie Smartcard works – in 3 easy steps:
- Order cards: Register on the HelloBonnie platform in just a few clicks.
- Monthly top-up: Set automatic monthly amounts (up to €50) or special occasion bonuses (3×€60/year).
- Use & manage: Employees receive their personal card account – digital tracking and control made easy.
The Future of Benefits: Flexible and Personal
The working world is changing – rigid salary structures are a thing of the past. With the €50 Benefit Card and HelloBonnie Smartcard, you're offering what matters most today: tax-free, personalized perks that promote wellbeing and express real appreciation.
Create a work culture where every team member feels seen and valued.
Want to learn more about flexible benefits and the HelloBonnie Smartcard?
Visit our Smartcard page and request a demo today – your team will thank you!
