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Cobee
My employer mentioned retribución flexible when I joined and I still don't know what it means or whether I'm missing out.
Cobee turns your untapped Spanish employee benefits into a single card you can use for meals, transport, health, and training, all managed from the app.
Why it rocks
- ✓Spain's retribución flexible system lets employers offer benefits tax-free. Most expat employees never know it exists.
- ✓One card covers restaurant meals, public transport, gym memberships, health insurance, and training costs.
- ✓Activate and spend directly from the app. No paperwork, no claiming back, no receipts.
- ✓Could save you several hundred euros a year in untaxed spending you're currently leaving behind.
Heads up
- ✗Only works if your employer is already a Cobee client. Worth asking HR when you join or next time you renegotiate.
Cost: Free for employees