Distribute Employee Benefits with zero cash advance

Wellmind relies on bank transfers and allows employees to connect their personal bank account for real-time reimbursement. No more submitting receipts or calculating legal thresholds: AI takes care of everything. It assesses whether an expense is eligible, automatically categorizes it into the right benefit pocket, requests validation or reimburses directly.

When your employees activate their account, they are invited to provide their IBAN number so they can be reimbursed. The same applies to partners (home services, mobility, etc.) who receive the amounts for their services directly by bank transfer.
This is by far the best economic equation for you, your employees and the partners.

Implementation typically takes 24-48 hours. Our team handles the configuration while you focus on your benefits packages and communication. Most clients are fully operational within a week.

Absolutely! Wellmind offers native integrations with popular HR platforms like BambooHR, Workday and SAP SuccessFactors. We also provide a comprehensive API for custom integrations.

We offer multiple support levels including email support, priority phone support and dedicated account management. All plans include integration assistance and training for your team.

We use enterprise-grade security including AES-256 encryption, multi-factor authentication. Your data is hosted in secure European data centers.

Yes, Wellmind is fully responsive, mobile-first and works perfectly on all devices. No need to download an iOS or Android app, just add it to your home screen when you're on wellmind.

It's your choice! With Wellmind, you can either be debited for each transaction directly from your business account (SEPA Direct Debit), or advance a lump sum on the platform. In the second case, your employees' transactions are debited from that balance and you are notified when it's time to top up. Both options are available in your management space and you can switch at any time.

You maintain full ownership of your data. We provide complete data export in standard formats and ensure secure data deletion according to your retention policies.

Yes, comprehensive training is included with all plans. We provide live training sessions and ongoing support to ensure your team's success.

Wellmind adapts to the regulations of your country of residence.
For example, in France, the Home benefit can be used for many personal services such as:

• House maintenance,
• Small gardening and DIY work,
• Academic support (except for distance learning courses which are not eligible for the employment service allowance),
• Babysitting
• Childcare outside the home: certified childminders or childcare structures (nurseries, daycares, kindergartens, leisure centers without accommodation for children under 6).
• Assistance to elderly or fragile people except for medical care,
• All activities that take place outside the home as an extension of a service activity at the employer's home.

Please note, you cannot use it for:

• Home renovation work,
• Employment of a certified childminder at home.

The list of personal service activities eligible for tax benefits is listed in article D7231-1 of the labor code

You can find a simulation of your employee's minimum wage based on their function on the following site:

• Minimum wage simulator
• Estimate the total cost of employment

As an example, 2265 euros can finance up to 135 hours of housekeeping assistance.

As an employer, you have many distribution options, manageable from your Wellmind account:

For example, for Home benefits, your allocation is customizable based on your employees' situation (number of children, status). The chosen criteria must nevertheless be objective and non-discriminatory. The company's coverage percentage is customizable for coverage from 50% to 100%.
The allocation can be paid monthly, annually or on a one-time basis. Case-by-case management is available from your Wellmind interface. However, it is preferable to establish employee categories respecting equity rules.

You can log into your Wellmind account to explore the different available options.

Yes, simply invite them to your space so they can create their account in 2 minutes. WellMind supports registration for all service providers, regardless of their Personal Services activity: WellMind covers the 26 activities you can find here

To create their account, your service provider will need to provide their IBAN to receive payments and provide their NAN code certifying that they practice a Personal Service activity.
The NAN code is a unique number assigned by the CESU Reimbursement Center (CR CESU) to any service provider who affiliates with it. It consists of 7 digits and a key (composed of an asterisk and a digit). During affiliation, the service provider receives a welcome letter containing their NAN code, their password to access their personal space on the CR CESU website. If you don't have it or have lost it, you can find it here: CESU Personal Space

Yes, but the tax benefit only applies to expenses that employees have actually paid: for example, if an employee paid €1200 for housekeeping during the year, of which €1000 with Wellmind, they can only benefit from the tax credit on the remaining amounts, i.e., €200.

To recall, the tax benefit granted to you as an individual is 50% of the expenses actually paid during the year (salaries + social contributions) within a limit of €12,000. That is a maximum tax benefit of €6,000 per year.

This ceiling can be increased by an additional €1,500 notably for:

Dependent child,
Member of the tax household aged over 65, within the limit of €15,000, i.e., a benefit increased to €7,500.

This ceiling is increased to €20,000 (i.e., a maximum tax benefit of €10,000 per year) for the following employers:

Persons holding an 80% disability card,
Persons having in their care a person holding the same disability card,
Parents of a child entitled to the supplement of the disabled child education allowance.

If you declare your income on the www.impots.gouv.fr website, the amount of your tax benefit will be automatically indicated in your income declaration. To justify your tax benefit, CESU provides you with an annual certificate. The tax certificate shows the expenses incurred for domestic employment. This document includes all declarations recorded between January 1st of the previous year and January 15th of the current year. It certifies the net salaries paid and contributions deducted for the year. A message informs you annually of the availability of your tax certificate in your personal space. If you do not have an online account, it is sent to you by mail. In your online space, you can also access tax certificates for the last 3 years. It is your responsibility to keep these documents in case of request from tax services.

It is appropriate to deduct from this amount the aid received for domestic employment (Personalized Autonomy Allowance (APA), aid from your mutual insurance, your insurance, your town hall, participation in prepaid CESU).

If you have paid your employee via WellMind or with prepaid CESU vouchers, you must deduct from the amount shown on your tax certificate the participation in prepaid CESU vouchers from your employer or works council. You can find a description of this case on this link: HOW TO COMBINE DECLARATIVE CESU AND PREPAID CESU?

Similarly, if you have benefited from aid from your Town Hall or if you receive the personalized autonomy allowance or the disability compensation benefit, you must deduct the amount of this aid from the amount shown on your CESU tax certificate.

Source: URSSAF

If you go through a personal service agency (Shiva, Acadomia), you can pay for their service with your employment service allowance, no declaration is necessary

By calling on a direct service provider, you become an employer, but don't worry! The formalities for personal service employment are considerably simplified and we are here to support you. The steps to follow are:

Create your CESU account (refer to the URSSAF website). This account will allow you to:

• Register your employees with URSSAF. See URSSAF link.
• Declare their remuneration. The declaration is monthly (How to establish a declaration?)
• Calculate and pay employer and employee contributions: These will be deducted from your personal bank account. Contribution deduction occurs on the last working day of each month, this date is not modifiable. Contribution deduction occurs at the latest 2 months after receipt of your declaration. See URSSAF link.

Establish a work contract with your service provider: a work contract must be written before the service is performed. You will find the models on Mandatory work contract.

Yes! The use of the Wellmind service is free for beneficiaries.

Your banking information is only used to complete your payments to service providers if the cost of the service is higher than the balance available in your account or if your company has chosen a contribution of less than 100%.

Note that if you use a direct service provider, you will have to pay employer and employee contributions.