{"id":29013,"date":"2026-07-20T11:06:32","date_gmt":"2026-07-20T09:06:32","guid":{"rendered":"https:\/\/www.accountable.eu\/?p=29013"},"modified":"2026-08-18T10:04:08","modified_gmt":"2026-08-18T08:04:08","slug":"monizze-edenred-or-pluxee","status":"publish","type":"post","link":"https:\/\/www.accountable.eu\/en-be\/blog\/monizze-edenred-or-pluxee\/","title":{"rendered":"Monizze, Edenred or Pluxee? Choosing a meal voucher provider for your business"},"content":{"rendered":"\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>As a self-employed person with your own private limited company (BV), limited partnership (CommV) or management company, you are both employer and employee at the same time. That means you can grant yourself meal vouchers as part of your remuneration, one of the most popular fringe benefits in Belgium.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Meal vouchers let you increase your net income without extra social security contributions. But which provider should you choose? The Belgian market is dominated by three players: Monizze, Edenred and Pluxee (formerly Sodexo).<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>They all offer the same basic statutory product, but they differ on a number of points that can make a real difference, especially for the self-employed and SMEs. We compare them on this page.<\/strong><\/p>\n\n\n\n<h2 id=\"tax-deductibility-of-meal-vouchers-in-2026\" class=\"wp-block-heading font-degular scroll-mt-32\">Tax deductibility of meal vouchers in 2026<\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Meal vouchers are popular because they are exempt from social security contributions and are not treated as taxable income, as long as the statutory conditions are met. They are therefore a tax-efficient way to optimise your remuneration as a company director in a limited company (or that of your employees, if you have any).<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Since 1 January 2026, the maximum value of a meal voucher is \u20ac10 per day actually worked. That \u20ac10 is made up of two parts:<\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Your company pays: a maximum of<strong> \u20ac8.91 per voucher <\/strong>(the employer&#8217;s contribution)<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">You pay: a minimum of <strong>\u20ac1.09 per voucher<\/strong> (the employee&#8217;s contribution, deducted from your salary)<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">You are free to set the value of your meal vouchers yourself, up to the statutory maximum of \u20ac10 per day worked. Although you could opt for vouchers of, say, \u20ac6 or \u20ac8, it is more tax-efficient for many companies to grant the maximum value.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>From a face value of \u20ac8, the tax deductibility doubles from \u20ac2 to \u20ac4 per voucher, which is why meal vouchers of \u20ac10 are often the most advantageous choice.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table acct-table overflow-x-auto md:overflow-x-visible mt-14 pt-8\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>\u20ac8 per voucher<\/strong><\/td><td><strong>\u20ac10 per voucher<\/strong><\/td><\/tr><tr><td>Employer&#8217;s contribution<\/td><td>\u20ac6.91<\/td><td>\u20ac8.91<\/td><\/tr><tr><td>Employee&#8217;s contribution<\/td><td>\u20ac1.09<\/td><td>\u20ac1.09<\/td><\/tr><tr><td>Value per month (20 days)<\/td><td>\u20ac160<\/td><td>\u20ac200<\/td><\/tr><tr><td>Tax-deductible for the company<\/td><td>\u20ac2 per voucher<\/td><td>\u20ac4 per voucher<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">\ud83d\udca1 <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.accountable.eu\/en-be\/blog\/meal-vouchers-self-employed-company\/\">More on meal vouchers for company directors<\/a>.<\/p>\n\n\n\n<h2 id=\"what-is-the-difference-between-monizze-edenred-and-pluxee\" class=\"wp-block-heading font-degular scroll-mt-32\">What is the difference between Monizze, Edenred and Pluxee?<\/h2>\n\n\n\n<h3 id=\"1-monizze\" class=\"wp-block-heading font-degular scroll-mt-32\">1. Monizze<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Monizze is the only 100% Belgian provider of meal vouchers, eco vouchers, gift vouchers and sport &amp; culture vouchers.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">While its competitors were still working with paper vouchers, Monizze resolutely chose a <strong>fully digital approach<\/strong> from the day it was founded. No paper, just an electronic card and an app. That made it the first voucher fintech in Belgium and a pioneer whose vision helped drive the digitalisation of the sector in 2016.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Today, <strong>more than 95,000 Belgian companies and 750,000 active users<\/strong> rely on Monizze for their fringe benefits. Thanks to its focus on the Belgian market, transparent pricing and a user-friendly digital experience, Monizze is especially popular with self-employed company directors and SMEs.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Strengths:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Purpose-built for the self-employed and SMEs. As a company director you can sign up entirely online, without an account manager or lengthy administrative procedures.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Predictable costs: Monizze charges a fixed amount per order, rather than a percentage of the meal voucher value like its competitors. As a result, your costs stay the same, even when you opt for meal vouchers at the maximum value.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Transparent pricing: Monizze is the only provider that publishes its rates. With management fees from \u20ac7.99 per beneficiary per order, Monizze is also among the most affordable solutions for the self-employed and SMEs.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">4-in-1 card: meal, eco, gift and sport &amp; culture vouchers on a single card.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Accountant access: you can give your accountant or payroll office direct access to your customer area, making administration and follow-up easier.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Pay with your smartphone, using <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.monizze.be\/en\/benefits\/monizze-pay\/\">Monizze Pay<\/a>.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">User-friendly app: with a score of 4.7\/5 based on more than 6,500 reviews on Google Play, the Monizze app is among the best rated in the sector. You can easily check your balance, transactions and expiry dates.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Advantageous for merchants too: with a merchant commission of 1.50%, Monizze charges the lowest transaction cost on the market (compared with 1.55% at Edenred). That makes the card attractive for both users and affiliated merchants.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Customer service you can reach by phone: you are helped directly by a local team that knows Belgian regulations and answers within three rings, with no menu or hold music.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Strong focus on security and sustainability: Monizze holds an EcoVadis Gold rating (2025) and an ISO\/IEC 27001:2022 certification for information security, among others.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Acceptance network of around 36,000 points.<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Limitations:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Less suited to large international companies that need a multi-country solution.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"2-edenred\" class=\"wp-block-heading font-degular scroll-mt-32\">2. Edenred<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Edenred is the international market leader in workplace payment solutions and operates in more than 45 countries.<\/strong> In Belgium the product is known as <strong>Ticket Restaurant <\/strong>and targets businesses of all sizes, with a particularly strong position among medium-sized and large companies.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Strengths:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Best customer satisfaction score on Trustpilot: 4.4 to 4.5\/5 based on more than 1,400 reviews.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Acceptance network of 38,000+ partners.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Integration with Payconiq and the Mastercard payment network.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Seamless connection with all the major payroll offices (SD Worx, Securex, Partena, Liantis, Acerta, UCM, Group S).<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Stable, mature technological infrastructure.<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Limitations:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">No public pricing: rates on request, which makes comparison harder.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">International company: less local focus than Monizze.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"3-pluxee\" class=\"wp-block-heading font-degular scroll-mt-32\">3. Pluxee<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Until 2024, Pluxee was still Sodexo Benefits &amp; Rewards<\/strong>. It is the historical market leader in Belgium with the largest market share and the broadest acceptance network, with more than 40,000 points of sale, including Carrefour, Delhaize, Colruyt, Lidl and Aldi.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Strengths:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Large acceptance network of 45,000+ points.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Broad ecosystem of fringe benefits.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Modern platforms and personalised tools for HR.<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Limitations:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Low Trustpilot score: 1.5 to 1.9\/5, an unfortunate consequence of the transition period in 2024.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Longer waiting times at customer service are a structural weak point.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">No public pricing.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"comparison-at-a-glance\" class=\"wp-block-heading font-degular scroll-mt-32\">Comparison at a glance<\/h2>\n\n\n\n<figure class=\"wp-block-table acct-table overflow-x-auto md:overflow-x-visible mt-14 pt-8\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>Monizze<\/strong><\/td><td><strong>Edenred<\/strong><\/td><td><strong>Pluxee<\/strong> <em>(formerly Sodexo)<\/em><\/td><\/tr><tr><td><strong>Origin<\/strong><\/td><td>100% Belgian<\/td><td>France (international)<\/td><td>France (international)<\/td><\/tr><tr><td><strong>Acceptance network<\/strong><\/td><td>~36,000<\/td><td>38,000+<\/td><td>45,000+<\/td><\/tr><tr><td><strong>Management fees<\/strong><\/td><td>Lowest (from \u20ac7.99\/month)<\/td><td>On quotation<\/td><td>On quotation<\/td><\/tr><tr><td><strong>Physical card<\/strong><\/td><td>Included<\/td><td>Included<\/td><td>Included<\/td><\/tr><tr><td><strong>Mobile payments<\/strong><\/td><td>Own solution in the app (Monizze Pay), no Apple\/Google Pay needed<\/td><td>Via Apple Pay and Google Wallet<\/td><td>Via Apple Pay, Google Pay and Payconiq<\/td><\/tr><tr><td><strong>Multi-voucher card <\/strong>(e.g. meal and eco vouchers)<\/td><td><a href=\"https:\/\/www.monizze.be\/en\/benefits\/pack-4-in-1\/\">4-in-1<\/a><\/td><td>Separate<\/td><td>Separate<\/td><\/tr><tr><td><strong>Best suited to<\/strong><\/td><td>SMEs and the self-employed<\/td><td>Medium-sized businesses<\/td><td>Large businesses<\/td><\/tr><tr><td><strong>App rating<\/strong><\/td><td>4.8<\/td><td>4.6<\/td><td>4.5<\/td><\/tr><tr><td><strong>Trustpilot<\/strong><\/td><td>N\/A<\/td><td>4.4<\/td><td>4.4<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"conclusion-who-should-choose-what\" class=\"wp-block-heading font-degular scroll-mt-32\">Conclusion: who should choose what?<\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">All three providers offer the same statutory product, but the differences in service, price and philosophy are not insignificant. Monizze stands out as the only fully Belgian player that went fully digital from the very start, an approach that helped shape the rest of the sector. Edenred excels in customer satisfaction and stability. Pluxee has a large acceptance network but needs to repair its reputation after the rebrand.<\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Are you a small self-employed person or an SME? Then <strong><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.monizze.be\/en\/\">Monizze<\/a><\/strong> is often the strongest choice: transparent pricing, low costs, an excellent app and a Belgian customer service that actually helps you.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">As a medium-sized company, <strong><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.edenred.be\/fr\">Edenred<\/a><\/strong> offers the best combination of customer satisfaction, technological stability and a large acceptance network. Integration with payroll offices runs smoothly.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">As a large or international company, <strong>both Edenred and <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.pluxee.be\/\">Pluxee<\/a> <\/strong>can meet your needs. Pluxee has the largest network and broad HR tools, but bear in mind the improvements still under way after the rebrand.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"accountable-for-limited-companies\" class=\"wp-block-heading font-degular scroll-mt-32\">Accountable for limited companies<\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Once your meal vouchers are running, you also want to see them correctly processed in your bookkeeping. That is exactly where Accountable makes the difference for the self-employed and small companies.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">With the Accountable app you keep track of your entire financial situation in one place: income, expenses, VAT and benefits such as meal vouchers, without having to turn to your accountant every time.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Our app works closely with your accountant, who gets real-time insight into your figures, so you pay fewer hours for administration and have more time left for your actual work.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">In practice this means: no more boxes of invoices, no end-of-year stress, and always an up-to-date view of your own finances. What you spend on meal vouchers, what is deductible, what your company pays net: you see it straight away.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/web.accountable.eu\/signup\">Try Accountable for free<\/a> and discover how simple bookkeeping can be for your company.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a self-employed person with your own private limited company (BV), limited partnership (CommV) or management company, you are both employer and employee at the same time. That means you can grant yourself meal vouchers as part of your remuneration, one of the most popular fringe benefits in Belgium. Meal vouchers let you increase your [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[269,272,239],"tags":[249,255],"class_list":["post-29013","post","type-post","status-publish","format-standard","hentry","category-important-things-to-know","category-taxes","category-uncategorized-en-be","tag-expenses","tag-limited-company"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Monizze, Edenred or Pluxee? Compare meal voucher providers - Accountable<\/title>\n<meta name=\"description\" content=\"Are you a company director in a limited company and want to optimise your pay with meal vouchers? 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