Epassi Lunch means savings for you and your employees.

Epassi Lunch encourages your people to have a lunch break and eat properly during the workday. Healthy food boosts your entire team’s wellbeing, and thanks to Epassi Lunch, your employees can enjoy it more cheaply.

The lunch benefit is a smart move for you, too, as you can reduce the costs in taxation. You can offer Epassi Lunch as a fringe benefit (bonus) or payroll deduction when the tax value (75 %) is cut from the salary. The proportion exceeding the tax value can be conveniently paid with OmaRaha, topped up at Epassi.

Epassi Sport pushes your employees into motion.

Employees can use sport benefit to pay i.e. a gym membership, a swimming hall entrance or a tennis course. Similarly, it goes for paying sporting club memberships or event fees. The cost of the benefit is always based on actual usage.

The employer can offer each employee a non-taxable sports and culture benefit of 400 e per year. Automated transactions and real-time reporting are available to all employers without the heavy administrative work.

Epassi Culture cherishes the habit of pausing.

Employees can use culture benefit to pay i.e. a Museum Card, a festival ticket or a ceramics course. Equally, it goes for buying a movie ticket or an escape room entrance. Epassi Culture can be used at ticket outlets and R-kioski stores as well.

Epassi Wellbeing supports the wellbeing of the entire working community.

Employers can offer employees a range of different wellbeing services outside occupational health care. This is a rapidly growing trend driven by a higher awareness of the importance of employee wellbeing and its impact on the company and its business results.

Epassi Wellbeing can cover i.e. massage, physical therapy, and medical services not included in the occupational health care (such as dentist or optician).

Instead, services related to esthetics can’t be paid with Wellbeing benefit.

Epassi Commuting takes your employees to work and back, conveniently and eco-friendly.

Users of public transportation are delighted for the commuting benefit. It makes a lot of sense for employer as well, thanks to the non-taxable nature of the benefit that provides significant savings. The benefit is non-taxable up to 3400 €, and it can be offered as a fringe benefit or included in the pay.

Epassi Commuting automates the entire process of managing commuting benefits. There are no hidden fees or loss of money involved, as you pay only for the benefit based on the actual reload costs of transit cards.

Employees can pay for local transit cars, train and bus passes, or season tickets in all R-kioski stores, Stockmann and HSL customer service offices (Itis, Pasila, and Railway Square).

EpassiBIKE – Sometimes the easiest is the best.

EpassiBIKE is the most convenient way to get a bike benefit. A bike benefit allows the employer to provide the employees with new bikes for a much better price. Bike benefit is taxfree up to 1 200 € / year. The employee follows a leasing arrangement and pays the benefit monthly through a gross salary deduction. Compared to buying a new bike without a bike benefit, they can make big savings on the price of their new benefit bike – thanks to the preferential taxation.

The benefit is a great way to strengthen your employer brand and at the same time care about the health of your employees. Surprise your employees with one of the most popular benefits right now - get EpassiBIKE today.

Admin work, minimized.

It’s plain sailing to start using Epassi. The benefits are available right away after enrolling the employee and invoicing information into the Epassi account. So you don’t need to worry about ordering and distributing the cards or vouchers.

When signing up for Epassi, we create the rules for the employees that take into account the different types of employment contracts and set them consistent with the amount and validity of benefits. That’s how employees always have the correct amount of benefit balance.

What does Epassi cost for our company?

Our most important principle is that employers won’t pay for unnecessary costs. If benefits are left untouched, their value will be reduced at invoicing.
Additionally, Epassi requires little administration.

We have two service packages available: Epassi Go and Epassi Plus.

Epassi Go for companies with less than 20 employees
Epassi Go is a lightweight solution for small companies. Epassi Flex is omitted. For Epassi go, we’ll charge the service fee based on the uploaded benefit value:
▪️ Lunch 2,0%
▪️ Sport and culture 4,7%
▪️ Wellbeing 4,7%
▪️ Commuting 4,7%
The service fee is no less than €10/benefit/employee/calendar year in sport, culture, wellbeing, and commuting benefits. The VAT 24 % will be added to the service fees.

If you like, you can provide the benefits in several installments during the year. We’ll charge each upload separately.

You’ll get Epassi Go into use by registering at the online service and uploading the employees’ benefits. The service fee can be paid right away at the online bank or with an invoice. The benefits will be made available as soon as the payment has been received. They can be used till the end of the calendar year.

Epassi Plus for companies with more than 20 employees
Epassi Plus is a versatile and flexible solution for bigger companies. Compared to Epassi Go, Epassi Plus offers more options and more diverse user statistics and reports. Also, Epassi Plus companies can synchronize their HR systems with Epassi to automatically update the employee information.

We’ll fix the Epassi Plus pricing individually according to your company’s needs. The most common pricing logic is based on the service fee charged by the uploaded benefit value – just like in Epassi Go. We’ll send invoices several times a year, so you don’t need to tie up your company’s capital unnecessarily.

The uploaded benefits will be available for employees right after the implementation of Epassi. In most cases, they can be used till the end of the calendar year.

I would like to introduce Epassi to our company. How does it happen?

If you have more than 20 employees, we recommend that you contact our sales, then we will go through the operation of Epassi and together we will tailor the contract that best meets the needs of your company.

Once the employee information has been registered, we will activate the benefits at the agreed time. You can easily manage benefits on your own pages, and our reports provide real-time information on how benefits are used. We also provide various communication materials to support the introduction of Epassi. Our customer service covers at all stages of implementation!

Will benefits be offered to all staff?

Sport, culture and wellbeing benefits must be offered to all employees in equal amounts in accordance to the conditions of tax exemption.

Lunch and commuting benefits can be decided per employee or divided into different groups.

How does tax authorities regulate the taxing of the benefits?

In taxation, a fringe or an employee benefit refers to compensation paid to an employee in some other form as money. In other words, employee benefits are services or goods organized and paid by an employer. The value of these benefits is added to a person’s wage income.

When it comes to lunch benefit, an employee can use it at minimum €8,50 and maximum €13,50 per meal. There is a €400 annual maximum confirmed by the tax administration for the sport and culture benefits. An equivalent sum in the wellbeing benefit is €600. The commuting benefit is non-taxable until €3 400 per year.

Bike benefit is 100 €/month, deducted from gross salary.

You can offer a lunch benefit as a fringe benefit (bonus), when it’s a kind of a pay rise ear-marked to the personal meals. Note that it’s more profitable to offer a pay rise as a lunch benefit than in salary, as the taxable share of the benefit is only 75 %. Both the employer payments and the income tax concern this share only.

If you want to provide the lunch benefit as a payroll deduction, the tax value (75 %) is cut from the employee’s salary. Therefore, he/she will be paying 25 % of the lunch benefit.

Read more about taxation here.

Can I define a deductible for the benefits?

Yes, you can. Nevertheless, as the costs are based on the actual usage of benefits, there won’t be any wastage of employees not using them. Therefore most employers decide not to have deductibles at all. If you wish to have them, we’ll enter the deductible information to each Epassi benefit.

The deductibles can be paid in two ways:
1) The share will be cut from the employee's salary. For this, you’ll get the user statistics in the ePassi online service.
2) The employees pay the deductibles by themselves with their Epassi OmaRaha balance. Once they have topped up some OmaRaha to their account, the benefits will become available. So you don’t need to worry about deductibles at all. Paying the deductible with OmaRaha is especially popular with Epassi Lunch, where the employee’s share is 75 % of the benefit’s daily value (minimum €8,00).

I need some help with Epassi – where can I ask for it?

We are happy to help with all Epassi related questions. You can contact us, whether in the online service or via email (info@epassi.fi). You can also reach us by phone (0200 69 000). Read more here.

My employee has a new phone number. Do I need to do something?

Each employee has the option to edit their phone number (and email address) in Epassi mobile app. Instruct your employee to login to Epassi app on their phone and to find the User page from the menu at the bottom of the app. There, an Edit button is found from the top right. Your employee should click on it to edit their details.

If your employee does not have a smartphone, meaning they are not able to use Epassi app, you as an employer have to change their phone number on their behalf. You can do the change by logging in to Epassi's online service with your company's credentials.

One of our employees is changing job. Will the benefit validity end automatically?

We can add the work contract expiry date to a person’s Epassi information. The expiry date will be the last day the benefits can be used. After that, the Epassi system will automatically remove the person from the company’s active employees list.

Epassi saves employees’ information for five years, according to the tax government’s instructions. If the work contract has already expired, the benefit availability can be cut immediately by clicking the “Remove employee” link at the Epassi online service. Such employees will nevertheless be included in the usage reports.

We have new employees. Will they receive the benefits for the entire year, even though they’ll start in the middle of the year?

You may decide if the new employees will receive benefits for the whole year or not. If a new person is registered to Epassi with no particular activating date, the system will automatically calculate the value of the benefits related to the months left that year. I.e., an employee added to Epassi in April will get the benefits for nine months altogether. On the contrary, if the activating date will be changed to January 1st, he/she will receive the benefits for 12 months altogether.

Will part-time employees get as many benefits as full-time employees?

You may decide if the part-time employees’ benefits are calculated with the working hours or not. If you want to synchronize the benefits with the working hours, we’ll register their working hours’ percentage (i.e., 50 %) to their Epassi information. Then, the system will calculate the benefit value automatically. If you want to separate the part-time employees in the Epassi system, please contact our customer service.

Do fixed-term employees get as many benefits as permanent employees?

You may decide if fixed-term employees receive the same benefits as permanent employees or not. If you wish, the benefits can be calculated with the length of their work contract. In this case, the activating and the deactivating dates will be added to their Epassi information, and the system calculates the benefit automatically for the period. If the working contract is extended, we can naturally fix the dates, too.

The old benefit balances are expiring at the turn of the year, and we should get the new ones uploaded soon. What do I need to do?

You should check if the employee information is up-to-date: the ones not working in the company have been removed and new ones registered to the Epassi system.

If your company has an Epassi Plus contract, the employees added to the system will receive their benefits automatically. Instead, if your company has an Epassi Go contract, you must take care of uploading the benefits by yourself.

How do I get to see Epassi invoices?

Log in to the Epassi online service with your company’s user name and click “Invoices.” There, you can have a closer look.

Less than 20 employees

If your organization has less than 20 employees, you can activate the benefits for yourself immediately in our online service. You can choose between Lunch, Sport&Culture, Wellbeing or Commuting benefits. You can top up the balance to the benefits you want and your employees will get it right away.

1. Fill in your company information on the registration page

2. Add information about your employees

3. Top up your balance with an online payment or invoice

4. We'll send credentials to your employees' phones and they can start enjoying the benefits immediately

Also suitable for entrepreneurs!

Invest in the most valuable asset – your people.

Why Epassi?

Tailored for you

Low costs

Users first

Comprehensive reporting

Ecological choice

A Finnish company

One Epassi, all the benefits.

Epassi is a true carryall: it takes great care of all employee benefits. We’ll help you to put together a package that fits your company best.

Epassi Lunch means savings for you and your employees.

Epassi Sport pushes your employees into motion.

Epassi Culture cherishes the habit of pausing.

Epassi Wellbeing supports the wellbeing of the entire working community.

Epassi Commuting takes your employees to work and back, conveniently and eco-friendly.

EpassiBIKE – Sometimes the easiest is the best.

Read more about EpassiBIKE-benefit

Why Epassi?

No costs for unused benefits.

Admin work, minimized.

Automated deductibles.

Real-time information available.

FAQ for employers.

Getting started

Employee information

Start offering employee benefits with Epassi.

Less than 20 employees

Over 20 employees

Support

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