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OwnGiftcard is an investment in yourself – for next year too

With OwnGiftcard, you can extend the usage period of your benefits until March 31, 2025. Essentially, you can carry over this year's benefits into the next, much like in the old days with paper money.

Benefits won’t expire prematurely

With OwnGiftcard, you ensure your benefits remain valid into next year.

If you don’t use the employee benefits provided by your employer within their validity period, you won’t be able to access them later.

Since OwnGiftcard gives you three extra months, benefits you earn this year will still be usable next year.

Learn more about OwnGiftcard here:
Extend the validity of your benefits with the Smartum OwnGiftcard

Make the most of your benefits

Not sure where to use your benefits? Discover the options available with OwnGiftcard – you might find surprising new places to spend them.

Perhaps you'll try a new massage therapist or get inspired to pick up a new sport. Have you always wanted a Museum Card? Buy OwnGiftcard this year, and you can get your Museum Card in January.

Then you can use next year’s fitness and cultural benefit for something else – like that new hobby you’ve been considering.

Don’t delay the inevitable any longer. Get your OwnGiftcard in the SmartumPay app NOW!👇 Purchase an OwnGiftcard from the Accounts section of the SmartumPay app. 

Your body will thank you next year too

Support a local small business by booking regular massage appointments.

Buy OwnGiftcard for massages, and you’ll continue to feel refreshed and in top form next year. Visit your favourite massage therapist who accepts Smartum payments or try someone new.

When you use OwnGiftcard, you’re ensuring your money is well-spent.

Find service providers with Smartum’s location search:
Search for Smartum venues

Extra time to decide

Do you tend to hold onto your benefits, waiting for the best way to use them? OwnGiftcard gives you three extra months to consider both your benefits and the best way to use them.

Explore our tips on the Smartum Deals website, where you’ll find the best offers from our partners for Smartum benefit users.

Check out the campaigns here: Smartum Diilit (currently only in Finnish)

Even Smartum employees buy OwnGiftcards

As benefits experts, Smartum employees make sure no benefit goes to waste. If they have benefits left towards the end of the year, a pro-user will buy themselves an OwnGiftcard.

Last year, for example, Juliana and Mika did just that.

Mika used an expiring massage benefit to purchase an OwnGiftcard, which has allowed him to visit a massage therapist every other week this year!

Read more from our blog:
Get tips from Mika and other Smartum employees

You can purchase an OwnGiftcard with the SmartumPlus benefit four (4) months before your benefits expires. With the Classic benefit, you can buy an OwnGiftcard one (1) month before the benefits expire. The OwnGiftcard can be purchased with exercise, exercise and culture, and massage benefits.