hellobonnie

What hellobonnie does

HelloBonnie is a German employee benefits platform operated by Hrmony GmbH, headquartered in Berlin, that enables companies to grant tax-free monthly Sachbezug allowances of up to €50 per employee via a Mastercard-based physical and virtual Smartcard. The platform is built on three core components: the HelloBonnie Wallet (employee web app for budget management), the HelloBonnie Dashboard (HR admin portal), and the Smartcard itself, with card issuance and KYC delivered by Banking-as-a-Service partner Swan and acceptance routed through the Mastercard network. Employees allocate the budget between Brand Spaces (200+ digital/retail brands such as Spotify, REWE, Zalando, Deutsche Bahn) and Regional Spaces (any Mastercard-accepting terminal within selected geographic regions), and can add the virtual card to Apple Pay and Google Pay. Tax compliance is supported by a formal Anrufungsauskunft ruling from the Finanzamt Hamburg-Oberalster and co-development with tax law firm Möhrle Happ Luther.

The company monetizes via a hybrid subscription-plus-transaction model: €1.90 per active user per month, a €12.90 monthly company base fee, and a 2.5% fee on the benefit amount loaded onto cards, with no setup fees, no minimum contract term, and monthly cancellation for plans serving companies up to 200 employees. Distribution is anchored by product-led growth with self-service onboarding plus a sales-assisted motion for larger accounts through meeting.hrmony.de, and is reinforced by a referral/affiliate channel targeting tax advisors, HR consultants, and management consultants with up to 20% revenue commission. Target customers are German SMB-to-enterprise employers (consulting, technology, construction tech, healthcare, biotech, environmental consulting, public administration), with disclosed logos including pfm medical, lcmd, Namox, 42watt, BioMath, circulee, PEUKA, and WifoR Institute, and the parent Hrmony brand expands the offering with complementary modules for meal subsidies (Essenzuschuss), mobility, and internet allowances.

Name

hellobonnie

Legal name

Hrmony GmbH

Website

https://hellobonnie.de

Company type

Private

Founded year

2022

Operating status

Operating

Short description

HelloBonnie is a Berlin-based German employee benefits platform that lets employers grant tax-free monthly Sachbezug allowances via a Mastercard-based Smartcard, digital Wallet, and HR Dashboard, serving 100+ German SMB and mid-market companies across consulting, tech, healthcare, and industrial verticals.

Ownership category

akta.pro rank

Product category

Employee Benefits Administration

NAICS

Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Other Insurance Funds (525190)

SIC

Services-Prepackaged Software (7372), Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Workforce Benefits Administration (Enrollment & Deductions) (BPACAIAF)

akta.pro secondary industries

Payroll Cards & Salary Prepaid (FSAMANAE), Pay Card Programs & Earned Wage Access (EWA) Administration (BPACAIAK)

Keywords

• Employee benefits platform
• Tax-free Sachbezug card
• Prepaid benefit smartcard
• HR benefits administration
• Corporate perk management

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription / Platform Fees: HelloBonnie charges a monthly subscription fee per company (€12.90 base fee per company) plus a per-person fee (€1.90 per active user per month) for companies with up to 200 employees. This covers access to the Dashboard, Wallet, and Smartcard infrastructure.
2. Transaction / Loading Fees: A 2.5% fee is charged on the benefit loading amount (the benefit budget amount loaded onto employee cards). This is a variable transaction-based revenue stream tied to benefit budget volume.
3. Referral / Affiliate Commission: The company operates a referral program offering up to 20% commission on platform revenues for companies and consultants that successfully refer new customers, and up to €500 additional benefit budget for individual employee referrals.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

HelloBonnie provides a tax-compliant employee benefits platform built around a Mastercard-based prepaid Smartcard (physical and virtual), paired with an employee-facing Wallet web app and an HR-facing Dashboard admin portal. Employers load a tax-free monthly benefit budget (Sachbezug up to €50/employee) that employees allocate across 200+ digital brand partners (Brand Spaces) or any Mastercard-accepting local merchant in selected regions (Regional Spaces). The platform reduces employer payroll tax burden while giving employees flexible choice in how they spend their benefit allowance.

Product overview

HelloBonnie is a German employee benefits platform built around a Mastercard-based Smartcard (physical and virtual) combined with the HelloBonnie Wallet (web-based employee portal) and HelloBonnie Dashboard (employer admin portal). The core offering provides tax-exempt Sachbezug (benefit card) functionality, allowing employers to grant up to 50 EUR/month per employee as a non-cash benefit. Employees allocate their budget via two mechanisms: Brand Spaces (200+ digital partner brands such as Netflix, Spotify, REWE, Zalando, Deutsche Bahn) and Regional Spaces (any Mastercard terminal in selected regions for local spending). The parent company Hrmony GmbH additionally offers complementary modules (Essenzuschuss, mobility, internet allowance) under the Hrmony brand that can be combined with HelloBonnie's Smartcard ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• HelloBonnie Smartcard: A Mastercard-based prepaid card enabling employees to use their benefit budget at various brands and local retailers.
• HelloBonnie Wallet
• HelloBonnie Dashboard
• HelloBonnie App (Web)

Products and services

• HelloBonnie Smartcard A Mastercard-branded physical and virtual prepaid benefit card issued through partner bank Swan that enables employees to spend their tax-free monthly Sachbezug budget (up to €50/month) at any Mastercard terminal in selected German regions (Regional Spaces) or at 200+ partner brands (Brand Spaces). Functions as a tax-compliant Sachbezugskarte under § 8 Abs. 1 S. 3 EStG, R 19.6 LStR, and § 37b Abs. 2 EStG.
• HelloBonnie Wallet A web-based employee portal (wallet.hellobonnie.de) where employees register, manage their benefit budget, allocate funds across Brand Spaces and Regional Spaces, top up virtual cards, and tokenize the card into Apple Pay or Google Pay via the Swan integration. Not currently distributed as a native iOS/Android app store application.
• HelloBonnie Dashboard An employer-facing admin portal for HR teams to manage employee benefit budgets, organize teams by department or location, assign group or individual budgets, monitor real-time utilization, and generate standardized transaction exports for integration with DATEV, ADP, Sage, Lexware, a.b.s. Rechenzentrum, and Excel/CSV-based payroll systems.
• Brand Spaces A feature of the HelloBonnie Smartcard and Wallet that lets employees allocate their monthly benefit budget to over 200 partner brands (e.g., Netflix, Spotify, Zalando, REWE, Deutsche Bahn, Urban Sports Club) for online, in-app, or in-store purchases at those specific retailers.
• Regional Spaces A feature of the HelloBonnie Smartcard that allows employees to use their benefit budget at any card terminal accepting Mastercard within a selected geographic region, enabling spending at local businesses such as supermarkets, cafés, hairdressers, and physiotherapists.
• Hrmony Add-on Benefit Modules A complementary platform by the same parent company (Hrmony GmbH) offering additional tax-compliant benefit modules such as meal subsidies (Essenzuschuss), mobility benefits, and internet allowances that can be combined with the HelloBonnie Smartcard benefit portfolio.

Quantifiable outcome

• Up to 57% cost savings vs. equivalent salary increases (e.g., €5,000/month cost vs. €11,667/month for 100 employees at €50/month benefit)
• +3 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• SwancoreTechnology or IntegrationSwan SAS is HelloBonnie's partner bank providing the Banking-as-a-Service infrastructure for the HelloBonnie Smartcard. Swan handles card issuance (both virtual and physical), KYC/verification of companies during onboarding, and enables Apple Pay and Google Pay integration for the virtual card. The partnership is core to HelloBonnie's product delivery as the card and wallet are powered by Swan.
• MastercardcoreTechnology or IntegrationMastercard is the payment network on which the HelloBonnie Smartcard operates. The card is a Mastercard-branded benefit card accepted at any terminal displaying the Mastercard logo, both in Germany (Regional Spaces) and at brand partner locations. The partnership provides HelloBonnie's core acceptance infrastructure.
• Möhrle Happ LuthercoreStrategic or Co-development PartnerMöhrle Happ Luther is a Hamburg-based tax law firm (Wirtschaftskanzlei) that co-developed the HelloBonnie solution and verified its tax compliance. The firm conducted a legal review confirming the solution meets German tax requirements (§ 8 Abs. 1 S. 3 EStG, R 19.6 LStR, § 37b Abs. 2 EStG). Their endorsement is prominently featured in marketing materials as a trust signal for customers.
• HrmonycoreStrategic or Co-development PartnerHrmony GmbH is HelloBonnie's parent company and integration partner. HelloBonnie is a product within the Hrmony ecosystem, and HelloBonnie customers can extend their benefit portfolio with Hrmony modules for meal subsidies (Essenzuschuss), mobility, and internet subsidies. The Hrmony brand appears alongside HelloBonnie on the website, and HelloBonnie is copyright © 2026 Hrmony GmbH. Jan Christian Saupe and Dennis Ortmann are managing directors of Hrmony GmbH.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Belonio: A German Sachbezug and employee-benefits platform with prepaid cards targeted at SMBs; comparable offering and customer profile to HelloBonnie's Brand Spaces model.
• Spendit: Germany-rooted prepaid Mastercard and benefits platform offering tax-free Sachbezug budgets to employers — overlapping product, customer segment, and regulatory positioning with HelloBonnie.
• Pluxee: Spin-off from Sodexo Benefits & Rewards, a top-tier European employee benefits and prepaid card operator with strong presence in Germany — a head-to-head competitor to HelloBonnie for Sachbezug and broader benefit-card budgets.
• givve: Hamburg-based prepaid MasterCard benefit-card provider focused on the German Sachbezug market, directly competing with HelloBonnie for the same SMB and mid-market employer customer and regulatory framework.

Broad incumbents

• Edenred: Global leader in prepaid corporate benefits (Ticket Restaurant, Ticket Mobil, etc.), including a German Sachbezug card offering; directly named by HelloBonnie in comparison content and competes for the same German employer wallets with broader brand and merchant scale.
• Choose Your Benefit (C24 Bank): Solaris-backed neo-bank increasingly offering Sachbezug and employee benefits products through its digital banking stack; broader incumbent with deeper consumer banking relationships but expanding into HelloBonnie's benefits card category.

Emerging players

• Urban Sports Club: A sport/Wellness subscription often integrated with Sachbezug benefit cards in Germany; competes for the same wallet allocation but is a vertical benefit rather than a horizontal benefit card — frequently co-marketed vs. HelloBonnie in comparison content.
• Circula: Berlin-based expense and benefits management platform that supports Sachbezug processes for German SMBs; competes for HR-admin dollars with a software-led approach rather than a card-led model.
• MOXZ: A newer German benefits and Sachbezug platform targeting startups and SMBs — direct overlap with HelloBonnie's primary segment (startups & scale-ups) on a similar regulatory and tax-compliance foundation.

Others

• Swan: HelloBonnie's core Banking-as-a-Service infrastructure partner (card issuance, KYC, Apple/Google Pay); not a direct competitor but a strategically important ecosystem participant whose priorities shape HelloBonnie's product roadmap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/hellobonnie
• Instagraminstagram.com/wearehellobonnie

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about hellobonnie