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What Is The Become.1 Card?

The become.1 Card is a smart, regionally bound non-cash benefit card (based on the Mastercard network). With it, employers can provide their employees with tax-free extras – such as the monthly non-cash benefit or budgets for special occasions – easily and digitally. In this article, you will learn how the card works, what tax benefits it offers, and where it can be used.

💰 The financial benefits at a glance

The become.1 Card optimally utilizes the statutory tax allowances in Germany. This means more net pay from the gross salary for employees, without additional contributions for the company:

  • Monthly non-cash benefit: Up to €50 per month can be loaded onto the card completely free of tax and social security contributions.

  • Gifts for personal occasions: In addition to the monthly non-cash benefit, employers can distribute €60 tax-free up to 3 times per calendar year for special occasions (e.g., birthday, wedding, or work anniversary).

📍 Where can the card be used? (The acceptance area)

To meet the strict legal criteria for regional non-cash benefits (Section 8 (2) sentence 11 EStG), the become.1 Card is tied to a specific acceptance area:

  • Postal code logic: The area of application is based on the first two digits of the postal code stored in the system for the employee. The card then works in this main area as well as in all adjacent postal code districts.

  • Perfect for remote work: Since the acceptance area is linked to the employee's place of residence (or preferred postal code) and not to the company headquarters, remote employees working from home can also easily use the card in their hometown at the local bakery, supermarket, or gas station.

  • Important: The card cannot be used throughout Germany, online purchases are not possible, and no cash can be withdrawn with it.

📱 Maximum Flexibility: Physical or Digital

Employees can decide for themselves how they want to use the card:

  • Virtual card (Wallet): The card can be activated directly in the become.1 app and linked with Apple Pay or Google Pay to pay contactlessly with a smartphone.

  • Physical card: Those who prefer to hold a real card in their hands can order a physical plastic card in the become.1 design.

🔍 Full control in the app

The current account balance, the available budget, and all transactions made can be viewed by employees at any time in real time via the become.1 app. This way, everyone keeps a perfect overview of their benefits.