Spentio
Get started
Back to blog

New

2 min read

Track your benefit card spending in one place

You pay with the benefit card every week and your budget never sees a franc of it. Spentio lists Lunch-Check, Reka and Swibeco next to every Swiss bank.

You have a card for lunch, for groceries, for leisure or for health. You pay with it every week, and nothing anywhere adds it up. It is not salary, it is not a bank account, and at the end of the month you have no idea what went through it.

Most budget apps for Switzerland leave it out entirely, so your budget is wrong by exactly that amount.

The bank picker in Spentio, with a Benefit cards section listing Swiss cards below the banks

Add it like a bank

These cards now sit in the same list as every bank Spentio knows, under a heading of their own.

  1. In Spentio, add an account and pick your country.
  2. Scroll past the banks to Benefit cards, or type the name printed on your card.
  3. Give it your own name if you like, and add it.

The currency and the logo are already filled in.

Follow @spentioapp on Instagram

What changes afterwards

The card appears next to your private account, and anything you pay with it lands in the same month as everything else. Tuesday's lunch counts towards your Food total, alongside the groceries you paid for with your bank card. The card is its own account, so the two never mix.

The cards Spentio knows in Switzerland

Lunch-Check, Reka and Swibeco. The full catalogue is on the banks page.

If yours is missing, tell us and we will add it.

One list for all of your money

If you use the card three times a week, it belongs with the rest. Now every account you spend from lives in one place, including the card. Still comparing apps? Here are the best budget apps for Switzerland.

Start free, no credit card needed.

Frequently asked questions

Does Spentio show the balance on my benefit card?
No. Spentio never connects to the card issuer and never stores a balance. You log what you pay, and the card is up to date the moment you do, which is how the rest of Spentio works too.
Does a benefit card use up an account on the free plan?
Yes. Spentio treats it as an account like any other, so it uses one of your slots. The free plan holds two accounts, so a card and one bank is the whole allowance. Paid plans raise it.
My card covers lunch and health. Do I add it twice?
Add it once. The category on each expense tells you what the money was for, so you get the split without maintaining two accounts.
Can I import the statement the card itself gives me?
Yes. Magic Import, our AI, reads statements from these cards the same way it reads a bank statement: a PDF or a photo of the card's app.