The Lunch balance displays the maximum amount that is available to you in the current month. The rest of your contribution is added to the balance at the beginning of the following month. Your lunch balance includes your deductible amount.

Usually, the benefit is paid in advance, meaning you need to download MyMoney into Epassi in order to get your benefit into use. To download MyMoney , check our article about MyMoney download here.

Lunch benefit is counted that you divide your MyMoney  balance by 0,75 = is the saldo in your lunch account. In lunch-benefit, your deductible amount is 75% of the lunch price and the employers part is 25%. Meaning, that lunch balance is 75% of your own money (deductible amount) and 25% is your employer's money. Meals cheaper than 9,07€ your deductible amount is 6,80€.

The lunch benefit saldo includes your deductible amount, so when you purchase lunch, the lunch amount is deducted from the lunch-saldo, and also your deductible amount is also taken from your MyMoney  -saldo as this is your personal fund.

Example: You have made a purchase at Restaurant X and your meal has cost 10,70€. From this purchase, your deductible amount has been 8,02€. The taxable benefit for lunch is max. 10,70€ in 2020.
10,70€ is taken from your lunch balance and the deductible amount, 8,02€, is taken from MyMoney.

You can also pay a meal that is over 10,90€ but in order to do so, you need MyMoney  balance.

The system will top up your lunch balance at the beginning of each month, based on the remaining workings days of the current month (e.g., 20 working days). The daily amount is set by your employer, but within the limits set by the tax authority (for 2022 the amount has to be to between € 7.15 and € 11.30 per working day).

The yearly maximum number of meals for the lunch benefit has been determined in accordance with the instructions of the tax authority. Typically, the number of meals is calculated from the working days of the full year deducted with a five-week vacation period. The system distributes the number of meals (e.g., 20) for the current month on the 1st day of each month until the maximum number of meals for the year is reached (by default, 235 meals in 2022). The use of the benefit on holidays or weekends is not limited, but each use reduces the number of meals throughout the year. So if you eat every working day and also during the summer holidays, there will be fewer meals than working days in December. The Epass app shows the number of times you use it. You cannot use the meal benefit more than this, even if you still have money in your lunch balance. Your employer may also have a different way of sharing the lunch benefit - you will receive more detailed instructions from your employer on how to distribute the benefit.

You pay 75% of the lunch benefit yourself, but at least 7.15 euros. This is called the deductible. The rest is a tax-free benefit provided by your employer to you. The deductible is either paid with OmaRaha, deducted from your salary or the so-called as a supplement to the salary (the employer pays the benefit in full and adds the employee's deductible to the employee's payroll - the employee pays income tax on that share). The deductible is paid only for the lunch benefit used.

If you have OmaRaha, you can view your lunch settings by downloading OmaRaha from your own online bank to your Epassi account. Your balance will show you how much lunch benefit you have with the amount of My Money you have downloaded. Please note that your My Money balance may be higher than your available lunch balance, as your available lunch balance will always be based on the number of business days in the month. OmaMaha never resets, meaning you can use it next month when the meal benefit is distributed again.