Use it
Use your bonYfin Card for eligible everyday purchases.
Employee benefits, made personal
Your Benefit.
Your Benefit.
Your Choice.
Your Y.
Your employer gives you more. We give you the freedom to choose what comes next.
Login to bonYfinExclusively available to employees of participating companies.
Your benefit. Your way.
One monthly benefit. Three ways to make it yours.
Grow it
Transfer unused balance to your personal investment option.
Save it
Save your balance and redeem it in the bonYfin Shop.
Make every day count.
Your employee benefit, built for everyday life.
Use your bonYfin Card for tax-eligible purchases and get the most from your monthly benefit allowance.
Benefit eligibility, taxation and applicable limits may vary depending on individual circumstances and current regulations.
€7,23
Daily meal allowance
€50,–
Monthly tax-free benefit
20
Example working days/month
bonYfin Card
One card. More possibilities.
Your employee benefit, always at hand.
One card. More possibilities.
Your bonYfin Card is the centrepiece of your employee benefit. Use it where you shop daily — contactless, secure and directly linked to your benefit balance.
Contactless payment
Pay anywhere contactless payment is accepted — at POS and in apps.
Digital wallet
Add your bonYfin Card to Apple Pay or Google Pay for maximum flexibility.
Real-time balance
Monitor your remaining balance at any time — directly in the bonYfin portal.
Use it. Grow it. Save it.
Your benefit. Your decision.
Enjoy it today.
Use your benefit for lunch, mobility or shopping at participating merchants.
Build something for tomorrow.
Turn unused benefit into long-term wealth.
Save for something special.
Redeem saved balance for selected products in the bonYfin Shop.
bonYfin Shop
Something you've been waiting for?
Save your benefit. Choose your reward.
Online Shopping
Groceries and more
Electronics & HiFi
From €699
Wellness & Holidays
From €749
Investment ETF
From €10 per month
What our members say
Benefits people actually enjoy.
"I didn't even know my employer offered this. Now I use my bonYfin Card regularly for lunch — a benefit that genuinely makes a difference in everyday life."
Sarah M.Marketing Manager · Munich
Verified member
"I like solutions that simply work. My benefit stays flexible, and I decide when and how I want to use it."
Thomas K.IT Specialist · Hamburg
Verified member
"I prefer saving up for something I really want. I was able to build up my benefit and finally treat myself to new headphones."
Yulia R.Project Manager · Cologne
Verified member
"What matters to me is having a benefit that fits my life. I like being able to decide for myself what matters most to me right now."
Myrjam W.Web Designer · Dresden
Verified member
"I appreciate things that are straightforward and easy to track. With bonYfin, I can keep track of my benefit and use it for what I need."
Gerhard Z.Accounting · Regensburg
Verified member
"I love having the freedom to plan ahead. I don't have to spend my benefit straight away — I can save it for something bigger."
Aleksandra G.Planning Assistant · Coburg
Verified member
"After a shift, everyday essentials matter most. It's great to have an extra benefit that I can put to practical use."
Akram C.Production Worker · Hamburg
Verified member
"Even after many years in the workplace, I appreciate modern, flexible solutions. A good benefit is one that fits effortlessly into everyday life."
Klaus P.Developer · Berlin
Verified member
Frequently Asked Questions
Everything you need to know.
Who can use bonYfin?
bonYfin is available exclusively to employees of participating companies. Activation happens automatically once your employer enables the programme.
How much can I receive?
Your monthly benefit depends on your employer's programme configuration and the applicable tax regulations.
Where can I use my bonYfin Card?
The bonYfin Card is accepted wherever the corresponding payment network is available. The exact acceptance range depends on your selected benefit category.
What happens to unused balance?
At the end of each month, your remaining balance is processed according to your selected benefit preference — saved, invested or transferred.
Can I invest my benefit?
Yes. Depending on your configuration, you can redirect eligible unused balance into your personal investment option.
How do I receive my bonYfin Card?
After activation by your employer, your personal bonYfin Card is sent by post to your home address.