Up Spain

Preguntas Frecuentes

UpONE

By accessing your App, you will be able to see your available balance on the main screen.

By activating the card in the App, you can request the PIN in the CARD OPTIONS > CHECK PIN section and you will receive an access code to your registered email to view your PIN.

The UpONE card PIN cannot be changed.

If your UpONE card is blocked because you have entered the PIN incorrectly 3 times on the card reader or payment device, you must contact our Customer Service at 91 949 53 87 to reactivate and unlock the card.

The UpONE card can be used at all restaurants that accept Mastercard, offering additional benefits at a network of over 28,000 affiliated restaurants throughout Spain. It can also be used to pay for travel on buses, trains, metro, trams, or any other form of public transport.

By making the first physical payment at the card reader and entering the PIN.

If you lose your UpONE card or it is stolen, you can:

  • Contact our Customer Service department to block it
  • In the UpONE App, under CARD OPTIONS > BLOCK CARD

The email associated with your UpONE card is the one in which you received the email to access the app, and you can validate it by logging into the app in the MY ACCOUNT section.

To recover your password, click on "FORGOT YOUR PASSWORD?" and enter your email address. You will receive an email with the password reset link to enable a new password.

The balance will be displayed correctly without any problem.

You can find all the legal conditions in the LEGAL INFORMATION section of the App.

Up retriplus

Often these terms cause confusion. Basically, they are two different ways of implementing benefits (e.g. meal vouchers). With social benefits, the company covers the full or partial cost of services offered to its employees as an addition to their salary. In flexible compensation, it is the employee who decides to use part of their salary to pay for services included in their plan, meaning they will be cheaper than if they paid for them directly out of their own pocket.

Good question! The amounts allocated to products and services included in the flexible remuneration scheme are exempt from income tax, provided they do not exceed 30% of the gross annual salary. It’s an excellent way to boost employees’ purchasing power without increasing their gross salary! Furthermore, flexible remuneration does not affect employees’ social security contributions. The employee retains all their Social Security rights and benefits as their contribution base remains unchanged.

Yes, there is a limit. Currently in our country, flexible remuneration cannot exceed 30% of an employee’s gross salary. See the legislation here:
               – Income Tax Law 35/2006
               – Real Decreto 439/2007 (New Personal Income Tax Regulation)
               – Extension of Law 16/2012 of 27 December

Offering flexible remuneration plans has many advantages for companies! First and foremost, flexible remuneration allows companies to improve their employees' net pay without increasing their salary costs. Everyone wins! Furthermore, flexible remuneration plans, and the savings they represent for employees, help companies attract and retain talent, increase staff motivation, and improve their competitive standing as an employer.

Flexible remuneration schemes also offer many advantages for employees. Starting with the fact that they allow them to increase their net salary thanks to tax savings on services such as food, childcare or transport. Furthermore, the flexibility to choose benefits according to each individual's needs also contributes to improved team satisfaction and well-being.

Any employee, regardless of their age or salary bracket, can benefit from flexible remuneration schemes, provided the company they work for offers this option. It is down to companies to decide whether to offer flexible remuneration schemes to their employees.

Yes, it is necessary to formalise an agreement between the company and the employee to implement a flexible remuneration plan that allows for the associated tax advantages to be taken. Furthermore, as this is an Agreement to Amend Conditions, which would be attached to the employment contract, signing it can be considered compulsory. Additionally, this agreement ensures the system is transparent and secure for both the employee and the company.

¡Estas de suerte! Con Up retriplus, nuestra aplicación de gestión y participación en planes retributivos, puedes incluir todo tipo de servicios en tu plan de retribución flexible, empezando por algunos tan populares como la comida (cheque gourmet®), el transporte (Up Transporte) o la guardería (Up Educainfantil). Pero eso no es todo, también puedes incluir muchos otros servicios con ventajas fiscales para tus empleados como seguro de salud, formación, renting de vehículos o planes de ahorro. Además, a través de Up Retriplus también puedes ofrecer otros servicios con precios ventajosos que tú elijas, como por ejemplo, gimnasio o fisioterapeuta.

Compensación & beneficios

On occasion, both terms can cause confusion.

When a company decides to cover the cost of certain benefits (e.g., meal vouchers), it is considered to be providing the employee with a social benefit. In other words, the company bears the full or partial cost of certain services it offers to its employees, which are added to the rest of their salary.

En la retribución flexible es el empleado quien decide voluntariamente que servicios de los que le propone la empresa quiere y destina parte de su retribución para cubrirlos. Para ello autoriza a la empresa a descontárselos de su salario bruto y mediante esta fórmula accede a las ventajas fiscales reguladas en la normativa del IRPF, consiguiendo un ahorro respecto de la alternativa de pagarlos directamente de su bolsillo. Eso sí, el Estatuto de los Trabajadores establece que no se puede flexibilizar más del 30% de su sueldo bruto (proporción entre salario en especie y salario dinerario).

Regarding how employee benefits are taxed, well, it's as simple as this: apart from meeting a need, the employee doesn't have to pay income tax (IRPF*) for enjoying those extra services that the company makes available to them. What do you think?

What’s more, these social security contributions are treated as staff costs and are fully deductible on the 100% corporate tax return! So both the employee and the company come out ahead. It’s a win-win for everyone!

Good question! The amounts allocated to products and services included in the flexible remuneration scheme are exempt from income tax, provided they do not exceed 30% of the gross annual salary. It’s an excellent way to boost employees’ purchasing power without increasing their gross salary! Furthermore, flexible remuneration does not affect employees’ social security contributions. The employee retains all their Social Security rights and benefits as their contribution base remains unchanged.

¡Pues hay de todo un poco! Lo que más suele gustar es la ayuda para la comida (cheque gourmet®), con la que los empleados pueden ahorrarse hasta tres meses del gasto en comer fuera al año. También se valora mucho la ayuda para la guardería/escuela infantil, que viene genial para los papás y mamás que tienen peques en el primer ciclo de educación infantil (0 a 3 años). Y no podemos olvidar la ayuda al transporte, que nos hace la vida más fácil, económica y sobre todo más sostenible para el medio ambiente. ¿Cuál es nuestro favorito? No podemos elegir, ¡Todos nos encantan!

Offering social benefits has many advantages for companies! Firstly, it helps to attract and retain talent, as employees highly value benefits that promote their well-being and quality of life. But that's not all! They also help to improve the company's image and contribute to creating a good working environment. Furthermore, offering benefits translates into long-term savings as it is an economical and simple option to implement that promotes work-life balance, which helps to reduce absenteeism and improve productivity. Phew! With so many advantages, who wouldn't want to jump on the social benefits bandwagon!

Social benefits also have many advantages for employees! The first of all? Economic savings, social benefits increase employees' purchasing power without increasing their tax burdens. Furthermore, they help promote work-life balance and increase employee motivation. In short, social benefits help improve people's lives and contribute to the care of employees' economic, physical, and mental well-being. With so many advantages, who wouldn't want to work for a company that offers social benefits?

cheque gourmet®

La tarjeta restaurante cheque gourmet® es una solución que las empresas ponen a disposición de sus empleados para que paguen sus comidas. Los trabajadores que utilizan la ayuda de comida cheque gourmet® no pagan IRPF hasta el importe de 11€ diarios, de manera que, sobre un calendario laboral medio de 220 días al año, incrementan notablemente su salario neto. ¡Son todo beneficios!

Además, las empresas que ofrecen la tarjeta de comida cheque gourmet® podrán incluir todo el dinero destinado a vales de comida como gastos de personal y deducirse el 100% en el Impuesto de Sociedades. Es decir, pagarán menos impuestos.

El vale de comida cheque gourmet® no solo permite aumentar el poder adquisitivo de los empleados sin incrementar sus gastos fiscales, también ayuda a las empresas a mejorar su imagen como marca empleadora, potenciando la atracción y fidelización del talento. Suena bien, ¿no?

En España, la ayuda a la comida cheque gourmet® es un beneficio muy apreciado por los empleados. Lo mejor de todo es que, gestionado conforme a la normativa actual, no tributa en el IRPF aunque sí cotiza a la Seguridad Social lo que lo convierte en una gran ventaja-ahorro para los trabajadores a la vez que refuerza sus prestaciones asociadas a la cotización.

Para que la ayuda esté exenta de tributación, hay que cumplir con algunos requisitos: la ayuda diaria no puede superar los 11 euros por trabajador y día hábil de trabajo. Así que, mientras lo ofrezcas en formato cheque gourmet® y te mantengas dentro de ese límite, no tendrás que preocuparte. Si la cantidad diaria entregada supera esos 11 euros, entonces el exceso sí tendría que tributar.

It's a great way to support employees and make their day-to-day a little easier and more enjoyable. And on top of that, everyone wins!

Elegir entre ofrecer la ayuda de comida cheque gourmet® como beneficio social o como retribución flexible depende de las políticas de la empresa y de las necesidades y preferencias de los empleados. Ambos enfoques tienen sus ventajas, y combinarlos adecuadamente puede maximizar los beneficios para todos.

As a social benefit, it is very simple to implement and manage. As flexible remuneration, it offers greater customisation for the employee, who must request it.

In the case of employee benefits, the cost is borne by the company, although it can subsequently be deducted from corporation tax under the 100% scheme. In the case of flexible remuneration, the cost is deducted from the employee’s salary, although the same tax advantages apply in terms of personal income tax exemption on the first €11 per day.

En España, la ayuda a la comida cheque gourmet® tiene un límite diario de 11 euros para estar exento del Impuesto sobre la Renta de las Personas Físicas (IRPF). Esto significa que puedes ofrecer hasta 11 euros por día laborable sin que el empleado tenga que tributar sobre esa cantidad.

For example, if an employee works 20 days a month, they can receive up to 220 euros per month in meal assistance, with this amount not being subject to income tax (IRPF).

The food card cheque gourmet® can be used in all restaurants that accept Mastercard, with additional benefits across our extensive network of affiliated establishments throughout Spain.

Consult our affiliate network

Royal Decree 1074/2017, of 29 December
By which the Regulation of the Personal Income Tax, approved by Royal Decree 439/2007, of 30... is amended

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Summary table of how the most common payroll items should be contributed to and taxed.
Con motivo de la nueva reglamentación en materia de cotización a la Seguridad Social, Chèque Déjeuner España, (desde enero de 2015, la filial española…

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Canteen Act
The conditions in which work is carried out must respond to the concept of dignity proclaimed by our Labour Charter.

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Royal Decree-Law 16/2013, of 20 December.
Final provision third. Computable concepts in the contribution base for the General Regime of Social Security…

Read more

Usage regulations, Roca JUNYENT report 11/05/2007
Royal Decree 439/2007, published on 31st March, which approves the Personal Income Tax Regulations (hereinafter RIRPF), has resulted in…

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Royal Decree 439/2007 (New Personal Income Tax Regulations)
By which the regulation of personal income tax is approved and the regulation of pension plans and funds, approved by royal decree, is amended

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Income Tax Law 35/2006
Law 35/2006, of 28 November, on Personal Income Tax and partial amendment of the laws on Corporation Tax, on the...

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Royal Decree 3/2004 (Previous IRPF Regulation)
Ministry of Finance (Official State Gazette no. 60 of 10/3/2004)
For the approval of the consolidated text of the law on personal income tax…

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Enquiries to the tax authorities
The consulting entity intends to establish a new public limited company whose object will be the establishment of an alternative system to current meal vouchers, a system…

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Royal Decree 1890/1999 Social Security
In the General Social Security Scheme, the contribution base for all contingencies and situations covered by its protective action, including…

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Up transport

Up transporte es una solución que las empresas ofrecen a sus empleados para ayudarles a cubrir los gastos de desplazamiento desde su domicilio a su centro de trabajo. Los trabajadores que utilizan Up transporte se pueden ahorrar el IRPF hasta 1.500€ anuales de los importes recargados, lo que les permitiría aumentar su salario neto. Si se ofrece vía Retribución Flexible, además, la empresa no incrementa la masa salarial. ¡Son todo ventajas!

Además, Up transporte se considera un gasto de personal que por lo que es deducible al 100% en el Impuesto de Sociedades.

Not only does up transport increase employees' purchasing power without increasing their tax expenses, but it also helps companies promote more sustainable mobility. Thus, not only is the environment cared for, but the company's image as an employer brand is also improved, enhancing talent attraction and retention. Sounds good, right?

In Spain, transport subsidies are a highly valued employee benefit. One of its main advantages is that this subsidy is not taxed under Income Tax (IRPF), although it does contribute to Social Security, which is advantageous for calculating employee benefits.

For this aid to be exempt from taxation, the monthly amount must not exceed €136.36, applicable for a maximum of 11 months, which can amount to a maximum of €1,500 annually (except in Álava). Amounts exceeding this monthly sum are considered income subject to IRPF payment.

This measure is an excellent way to support employees and make their day-to-day lives more comfortable and enjoyable. And the best part is, everyone wins!

La elección entre ofrecer Up transporte como beneficio social o como retribución flexible varía según las políticas de la empresa y las necesidades y preferencias de los empleados. Ambos enfoques tienen sus ventajas, y su combinación adecuada puede maximizar los beneficios para todos.

Offered as a social benefit, it is easy to implement and manage. As a flexible remuneration, it also allows for tailor-made personalisation for the employee based on their needs.

In the case of the employee benefit, the cost to the company is in addition to other remuneration and is a 100% deductible expense for corporation tax purposes. On the other hand, with flexible remuneration, the cost is deducted from the employee’s gross salary, but in both cases the employee benefits from the same tax advantages on their personal income tax: if the monthly amount does not exceed €136.36 for a maximum of 11 monthly payments, transport costs are exempt up to €1,500 per year (except in Álava). If this amount is exceeded, the excess is taxable.

In Spain, to be exempt from taxation on Personal Income Tax (IRPF), the transport allowance is limited to €136.36 per month, for a maximum of 11 months, totalling up to €1,500 per year (except in Álava). This means that, within these limits, employees are exempt from paying taxes on that amount.

Con Up transporte, comprar billetes o bonos para el metro, tren, tranvía, autobús o AVE es muy sencillo. Su funcionamiento es similar al de una tarjeta bancaria normal, así que todo el proceso es rápido y fácil. Además, también puedes adquirir tus billetes mediante compras online, para que puedas hacerlo desde donde quieras, cuando quieras.

As a result of Royal Decree 1788/2010, of 30 December, on the regulations of the Personal Income Tax (IRPF), the first article of which modifies the requirements for indirect payment formulas…

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Up educainfantil

Up educainfantil es una solución que las empresas ponen a disposición de sus empleados para ayudarles en el pago de la escuela infantil de sus hijos (de 0 a 3 años). Esta ayuda está exenta de IRPF sin límite (salvo en el País Vasco cuyo máximo exento es de 1.000€ al año).

Up educainfantil se puede consumir en forma de cheques virtuales: es Up Spain la que se encarga del pago directo a los centros de Educación Infantil, agilizando y facilitando la gestión del pago, de forma que no existe circulación de cheque físico ni el empleado ha de realizar ninguna gestión relacionada con el pago. El importe del cheque virtual (online) será tramitado por Up Spain, realizando la transferencia bancaria a las escuelas infantiles el último día hábil de cada mes.

Si hubiera alguna diferencia entre el importe gestionado mediante Up educainfantil Virtual (online) y la cuota de la escuela infantil, el empleado puede realizar habitualmente el pago de dicho diferencial mediante los otros medios de pago admitidos por el centro.

Los cheques guardería Up educainfantil son aceptados en nuestra red de más de 16.500 escuelas infantiles en toda España.

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No. Pueden cambiar a sus hijos de escuela infantil y seguir pagando al nuevo centro con los vales Up educainfantil. Para facilitar la gestión es recomendable comunicar estos cambios tanto en la empresa como en el centro.

In that case, employees will have to pay the difference using an alternative payment method accepted or proposed by the centre.

Sí, el cheque Up educainfantil es compatible con otras ayudas públicas, tanto del Estado, como de las Comunidades Autónomas.

There is a deduction for working mothers that the AEAT (Spanish Tax Agency) applies directly in the tax return.

To achieve this, the AEAT asks nurseries to report the amounts paid by families and the amounts paid by the company. Furthermore, companies are also obliged to report to the AEAT the amounts they pay to nurseries as social aid/benefit for their workers.

La deducción prevista es exclusivamente por las cantidades que haya pagado directamente la familia, por lo que quedarían excluidos los importes pagados por la empresa en formato Up Educainfantil aunque estos sean en forma de Retribución flexible.

The deductible amount in the differential fee is €1,000 (up to €83.30 for each monthly payment made for nursery care), provided that mothers have contributed amounts equal to or greater than this amount.

To secure this deduction, it is advisable for the family to pay the nursery directly, at least, a monthly amount of €83.30.

La elección entre ofrecer Up educainfantil como beneficio social o como retribución flexible varía según las políticas de la empresa y las necesidades y preferencias de los empleados. Ambos enfoques tienen sus ventajas, y su combinación adecuada puede maximizar los beneficios para todos.

Offered as a social benefit, it is easy to implement and manage. As flexible remuneration, it also allows for tailored customisation for the employee based on their needs.

In the case of employee benefits, the cost to the company is in addition to other forms of remuneration and is a fully deductible expense for corporation tax purposes. In contrast, with flexible remuneration, the cost is deducted from the employee’s gross salary; however, in both cases, the employee enjoys the same tax advantages and is exempt from paying income tax.

Legal opinion at the request of AEEVCOS.
The impact of the maternity deduction for approved nursery expenses in the State Budget Law for 2018 and the use of nursery vouchers.

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Royal Decree-Law 16/2013, of 20 December.
Final provision third. Computable concepts in the contribution base for the General Regime of Social Security…

Read more

Personal Income Tax
Law 46/2002 Amendment to Article 43 “Benefits in Kind”

Read more

Afiliación escuela infantil

Being part of our affiliate network has many advantages! It's a quick and easy way to increase and retain your customer base, boosting your turnover. Thousands of mothers and fathers use Up educainfantil cheques daily to pay for their children's daycare for under-3s.

To affiliate your establishment to the Up Educainfantil network, you can send us your application by email to [email protected].

El importe del cheque será tramitado por Up Spain, realizando la transferencia bancaria a la escuela infantil, directamente en su cuenta. Tanto la escuela como el padre o madre, recibirán un email confirmando dicha transacción.

On the management website for your establishment(s), you can carry out all sorts of tasks and enquiries, such as downloading your invoices or requesting a change to your bank account details.

If you already have a statement/invoice, you can register. following these instructions. 

Afiliación restaurante

¡Pertenecer a nuestra red de afiliados tiene muchas ventajas! Es una manera rápida y fácil de impulsar tu negocio y a atraer nuevos clientes. Gracias a nuestro programa de afiliados tu establecimiento ganará visibilidad y potenciarás tu imagen de marca. Además, te nutrirás de los miles de clientes recurrentes que día a día pagan sus comidas con Up Gourmet.

Para afiliar tu establecimiento a nuestra red de afiliados solo tienes que completar este breve formulario.

If you already have a statement/invoice, you can register. following these instructions.

¡Para nada! No necesitas ninguna clase de datáfono especial para poder aceptar los pagos con la tarjeta de comida cheque gourmet®.

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