With Epassi Lunch you can pay lunches between 8,60€-13,70€ per meal (for year 2025). Your employer can also determine any value for the benefit between these two. However, you can also eat more expensive meals, in which case you pay the exceeding amount of the lunch benefit value with MyMoneyt you have uploaded into your Epassi. If you do not have MyMoney at your disposal, you can also pay the excess with another payment method (e.g. cash, bank card).

Example: The employer has set the daily value of the lunch benefit at 13 euros. However, if the price of the meal is 15 euros, it can be paid smoothly with the Epassi app in one payment transaction; 13 euros with the lunch benefit and 2 euros with MyMoney for the amount exceeding the lunch benefit value. If you do not have MyMoney at your disposal, you can pay 13 euros with the Epassi lunch benefit and 2 euros with a bank card, for example.

The lunch benefit always includes a deductible share, which is the portion of the lunch benefit value that you pay yourself. The tax authorities have defined the deductible as 75% of the value of the lunch benefit offered by the employer, but it must be at least 8,60 euros (in 2025). If your employer has a contract lunch service, the deductible may also differ from this. The deductible can be paid with MyMOney loaded into Epassi app or it can be handled (added/deducted) in salary payments.

Example:

The employer has set the daily value of the lunch benefit at 13 euros and the price of the lunch is 15 euros.

The deductible is 75% of the 13 euro lunch benefit, or 9,75 euros. This portion is paid with MyMoney, at the employer's choice. You also pay the 2 euros that exceed the value of the lunch benefit with MyMoney, so your MyMoney balance is reduced by 11,75 euros (9,75 € deductible + 2 € excess benefit). Your employer therefore pays 3.25 euros for the lunch.

Epassi OmaRaha is a prepaid wallet to which the user transfers money from their bank account and uses it when paying with Epassi. There is no upper limit on the price of the meal when paying in this way. If the value of the meal is less than 8,60 €, it can be paid in full with OmaRaha.

More information about OmaRaha https://www.epassi.fi/fi/omaraha