How much could you save on benefits?

It is a benefit the employee receives in non-cash form and uses to buy selected goods and services.

The employer sets the amount, the rules and which employees are eligible. The allocated amount appears in the employee's personal account in Múza.

If the statutory conditions are met, non-cash benefits up to a combined total of 500 € per year can be exempt from tax and payroll contributions.

If the 500 € threshold is exceeded, Múza automatically includes the portion above the limit in the employee's taxable income, where it is subject to tax and payroll contributions.

Employers can allocate a benefit, set the rules and track how it is used, all in one place. There is no need to order individual services or process piles of employee requests and receipts.

Another advantage is cost efficiency. If the statutory conditions are met, the employer pays no social or health insurance contributions on a benefit of up to 500 €. Providing the same amount as a cash bonus would mean paying employer contributions on top of it, while the employee would receive less after income tax and their own contributions. The employer cannot, however, claim the cost of an exempt benefit as a tax-deductible expense.

Múza also generates clear records for HR, payroll and accounting. Employees end up with a higher net value from the benefit, and the employer makes better use of its compensation budget.

The employee signs in to their account and picks a specific product or service in MúzaMarket, from a selection of over 4,000 partners. The value of the order is deducted from their benefit wallet.

Benefits can be used gradually over the course of the year and across several partners. The account shows the current balance, the order history and details of how the benefit has been used.

The exact selection depends on the employer's rules. Benefits can be used for sport, shopping, culture, health, wellness, education, books, travel and other leisure activities.

The tax and contribution relief applies only to non-cash benefits. An employer therefore cannot simply pay the employee 500 € through payroll or transfer it to their bank account.

Múza keeps the benefit non-cash by holding the funds within a closed benefit system. Employees cannot withdraw them or exchange them for cash — the funds can only be spent on approved goods and services.

From both. A non-cash benefit within the statutory limit is not included in taxable income or in the assessment base for insurance contributions.

The employee therefore pays no social insurance contributions of 9.4 %, no health insurance contributions of 5 % and no income tax, which for most employees is 19 %.

At higher income levels the tax rate can be 25 %, 30 % or 35 %. The employer pays no social insurance contributions of 25.2% and no health insurance contributions of 11% on the benefit, saving 36.2% in contributions overall.

This saving accounts for a large part of the financial difference between a non-cash benefit and the same amount paid out as a cash bonus.