Industry

Banking

Employees:

approx. 400

Location:

Headquartered in Munich, 18 locations across Germany

MERKUR PRIVATBANK

Summary

MERKUR PRIVATBANK is one of the largest owner-managed private banks in Germany and is listed on the Munich Stock Exchange. Alongside its headquarters in Munich, the bank advises mid-sized companies at 17 further locations.

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90%

less administrative effort for HR and accounting on travel expenses

>90%

of MERKUR PRIVATBANK employees use the mobility offer

100%

of CO2 emissions from mobility budget transactions are certified offset

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Case Study

The Challenge: High Effort, Outdated Processes, Limited Access

Before working with NAVIT, MERKUR PRIVATBANK's travel expense management was shaped by manual processes: employees submitted receipts for their personally purchased Deutschlandticket. These had to be checked, processed, archived and reimbursed through payroll.

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This was not only time-consuming for the HR and accounting departments, it was also unfair: employees without good access to public transport couldn't benefit from the existing offer at all. At the same time, the desire grew to map all mobility benefits – across multiple locations and entities – centrally and digitally on a single platform.

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NAVIT Customer Quote

"We wanted to move away from manual processes toward a modern, all-in-one solution. NAVIT was clearly the most convincing option."

Iris Rathje HR Officer, MERKUR PRIVATBANK

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The Solution: A Digital Mobility Budget

With NAVIT, MERKUR PRIVATBANK introduced a modern mobility budget that can be made available to employees tax-free, flexibly, and digitally. Through the NAVIT employer portal, employee data could be imported with a single click, and existing HR and payroll systems, the team uses an interface to Sage, were easily integrated. This automated what had previously been manual processes and completely reorganized the bank's travel expense management.

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For employees, that meant a €50 monthly mobility budget that can be used for the Deutschlandticket, public transport, shared mobility, or for commutes in rural areas a fuel and charging card. All managed centrally through the NAVIT app.

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Before NAVIT

NAVIT

Travel expense reimbursement
fully taxed, no advantages

€50 mobility budget
tax-free

Employees have to pay costs upfront

Employees receive a fixed budget in advance

Paid out manually via payroll — high effort

Provided digitally via the app

Before vs. after: a mobility budget instead of travel expense reimbursement

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The rollout was professionally supported: with a tailored internal communication campaign, including training sessions and support, the new benefit was successfully rolled out within three months.

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NAVIT Customer Quote

"The rollout went smoothly. Our employees were able to start using the app immediately — and today they benefit from significantly less effort and more flexibility in their mobility."

Iris Rathje HR Officer, MERKUR PRIVATBANK

The Result: More Efficiency, More Satisfaction

90% Less Administrative Effort
Processing travel expenses is now almost entirely digital. Checking receipts, manual accounting, and archiving are no longer needed, which significantly eases internal workflows.

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NAVIT Customer Quote

"Since implementing the mobility budget with NAVIT, we've been able to cut our administrative effort by around 90%. That not only saves time, it also noticeably eases our internal workflows."

Iris Rathje HR Officer, MERKUR PRIVATBANK

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Over 90% of Employees Use the Offer
The high adoption rate speaks for itself: employees value the mobility budget regardless of location or access to public transport.

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An Offer Open to All Employees
Whether it's the Deutschlandticket, a fuel card, or flexible mobility services: everyone can use the budget in a way that fits their personal situation.

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Transparency on Costs and Emissions
Thanks to built-in reporting, the company can see at any time how the budget is being used, including its CO₂ footprint and spending overview.

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Personal Service That Convinces
NAVIT's contacts are reliably available, respond quickly to questions, and supported the rollout closely throughout.

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With NAVIT, MERKUR PRIVATBANK didn't just introduce a modern, tax-free mobility budget. Even more, it streamlined its HR processes, delighted employees, and made its travel expense management fit for the future.

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NAVIT Customer Quote

"NAVIT is one of the most successful software rollouts we've seen in the last ten years — above all because of how easy it is to use and how well it adapts to our internal processes."

Iris Rathje HR Officer, MERKUR PRIVATBANK

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MERKUR PRIVATBANK

Summary

Contents

The Challenge: High Effort, Outdated Processes, Limited Access

The Solution: A Digital Mobility Budget

The Result: More Efficiency, More Satisfaction

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