Offer employee benefits with Epassi.

The costs of the Epassi Plus service consist of a service fee charged based on the value of the benefit loaded, as follows:

• Lunch 2.5%
• Exercise and Culture 5.9%
• Flex (includes 2–3 benefits: exercise & culture, commuting, wellbeing): 5.9%
• EpassiBIKE €15 / bike / month
• Company-specific monthly fee: €5 / month

The service is activated by our customer support after the digital agreement has been signed. The subscription requires an electronic signature from a person authorized to sign on behalf of the company.

As part of the onboarding process, we will check your company’s credit information. Applicable VAT will be added to the service fees.

Price list effective from 8 September 2025:

The service fee is charged as a percentage of the benefit amount allocated to the employee for use:

• Epassi Lunch 2.5%
• Epassi Flex 5.5%
• Epassi Exercise & Culture 5.0%
• Epassi Commuting 5.0%
• Epassi Massage 5.0%
• Epassi Health 5.0%
• Epassi Dental Care 5.0%

In addition, each lunch benefit top-up is charged at €0.50 per employee per top-up.

For other benefits, each top-up is charged at €7.50 per employee per top-up.

The applicable value-added tax will be added to the service fees.

You can build and order a package that suits your company in our online store. Choose either the prepaid Go service, ideal for small businesses, or the automated recurring Plus subscription. You can also contact us, and we’ll work together to find the solution that best fits your needs.

With the Go service, you can add employees to the service immediately after placing your order, and they will be able to use the benefits once the invoice has been approved by Epassi. Activation of the Plus service takes about 5 business days, after which you can add employees, and the benefits will be distributed to them automatically according to the settings you choose.

You can decide the balance amount to be allocated yourself. In 2026, you can offer the following employee benefits tax-free up to these maximum amounts:

• Commuting benefit: EUR 3,400 / employee / year
• Massage benefit: EUR 400 / employee / year
• Wellbeing benefit: EUR 3,000 / individual transaction / employee / year
• Dental care benefit: EUR 3,000 / employee / year
• Sports and culture benefit: EUR 400 / employee / year

Usage of the services will be billed according to our service price list above.

According to the tax authority’s guidelines, staff benefits (Sports & Culture, Massage, Dental, and Health) must be collective, meaning they must be offered to the entire personnel for the tax exemption conditions to be met. However, for fixed-term and part-time employees, the benefit may be allocated under different rules. You can read more in the tax authority’s guidance.

Fringe benefits (Lunch and Commuting) can be allocated differently on an employee-by-employee basis or by employee group. You can find more information in the tax authority’s guidance.

The tax authority determines the annual maximum values for employee benefits in its decisions. Based on these decisions, Epassi recommends following these maximum amounts:

• Sports and culture benefit: €400
• Massage benefit: €400
• Dental care benefit: €3,000
• Health benefit: €3,000
• Commuting benefit: €3,400, but for any amount exceeding €900, the employer must verify the employee’s actual commuting costs.
• Lunch benefit: €8.80–€14.00 per working day, with an average of 21 working days per month.

Most employers choose to offer the lunch benefit in full at the maximum value of €14.00. For the lunch benefit, the employee’s share (co-payment) is 75% or at least €8.80. The employer pays the rest, up to a maximum of 25%.

The employee’s co-payment can be handled in two different ways:

1. The co-payment is deducted from the employee’s salary. For this, you will receive statistics on benefit usage by employee from Epassi’s online service.
2. In the Plus service, the employee can also pay the co-payment directly using their Epassi OmaRaha balance. When the employee loads OmaRaha into the app, they receive access to the personnel benefit balance. This means you do not need to handle the deduction of the co-payment at all.

Epassi’s system distributes benefits to employees automatically according to the settings you choose. All you need to do is add the employees to the system. If you want, you can also distribute benefits to employees manually. You can add employees one by one or by using an employee list.