You can see the amount of your flexible saldo always in the front page of SmartumPay mobile app. You can log in with online banking codes or with mobile certificate.

After logging in swipe down from the red area up on the screen, and you can see your saldo amounts. You may have saldo from two different companies, when you can see them both by swiping the screen from right to left. SmartumPlus-saldo ordered in 2020 is valid until the end of the year 2021. SmartumPlus-saldo ordered in 2021 is valid until the end of 2022. Benefits ordered after July 2022 are valid until the end of the calendar year.