Do I have SmartumPlus or SmartumSaldo?

If you are unsure whether you have SmartumPlus or SmartumSaldo, you can first check this in your SmartumPay app. If the "Accounts" section under your benefits information shows "SmartumPlus," then you have SmartumPlus benefits. If it shows something else, you have SmartumSaldo.

If needed, you can also ask your employer for clarification.