Prepaid food allowance card with tax benefits for companies and employees.
Exemption from TSU (23,75%) and IRC.
Designed to help you manage your entire team’s UP Meal Cards. From a single platform, you can load funds, activate meal cards, and issue invoices.
Centralizing the entire team’s processes on a single platform results in significant resource savings.
Because it increases employees' purchasing power, it is a significant incentive, not least because it is not compulsory for everyone, depending on the collective bargaining agreement or individual employment contract.
Social Security exemption (11%) and income tax exemption for amounts up to €10.46 per day (for the year 2026).
Accepted at more than 95% locations in Portugal.
The amount received is added to your salary, without the same tax and social security obligations.
Check them out on our network of partners.
Compatible with Apple Pay and Google Pay digital wallets.
Since it is not required by law—except for public sector employees or those covered by a collective bargaining agreement—the UP Meal Card serves as an important incentive that helps foster greater employee loyalty and motivation.
International studies show that meal cards give workers access to a balanced diet at affordable prices.
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Charging, card management, activation and issuing invoices on a single platform.
Upcoop provides support and consulting services for your team, ensuring the proper use of tax and non-wage benefits.
90% calls answered immediately and answered the same day, with close, fast and effective follow-up.
Consult balances and movements, with the possibility of accumulating the balance from one month to the next.
Accepted in cafés, restaurants and supermarkets, with discounts at many partners.
Tax benefits, since the amount received is not considered for personal income tax purposes, which increases your liquidity.
More than just tax benefits, we want our solutions to be instruments for corporate policies that generate employee motivation and loyalty. We guarantee speed and flexibility when designing solutions and monitoring processes.
Childcare vouchers that help reduce the cost of children's education up to the age of 6, with tax advantages.
Education vouchers for children (from the age of 7) and employee training, with tax advantages.
Unlimited education check for the whole family, with complete flexibility and tax benefits.
You have more disposable income because the amount credited to the UP Meal Card is not subject to income tax or Social Security contributions. It’s net income.
As the meal card is a food allowance, it only applies to the days actually worked, so it is not awarded during vacations or absences.
Yes, the work schedule has no bearing on the allocation of the meal allowance.
It depends on the working time and the agreement reached beforehand.
You can use the UP Meal Card at cafes, restaurants, supermarkets, and similar establishments, as well as for online grocery shopping or through delivery platforms. Upcoop has the largest network of partners in Portugal.
It is more advantageous to receive payments via the UP Meal Card because the tax-exempt limits for income tax (IRS) are higher. For cash, the limit is €6 per day, while for meal cards it goes up to €10.46 per day—amounts set by the government for the year 2026.
How much can you save with the UP Meal Card?
