Savings Loyalty System Based on MicroContributions from Retailers

PENSUMO aims to provide a significantly improved and socially conscious promotion mechanism that will be beneficial for all retailers, the general consumer and the entire society.

Through our platform, we provide any retailer with the possibility to adhere to our model and offer our savings scheme as a customer loyalty feature in their respective stores. By purchasing products or services in any of these stores, the consumer will automatically receive a fraction of the purchase amount back on its corresponding PENSUMO account, which will then be credited into its retirement fund in one of our large insurance partners (e.g. Allianz). The user only needs to sign up via our website or app, which is absolutely free of charge. Each purchase using the PENSUMO system will automatically add successive micro-contributions to your existing PENSUMO account. PENSUMO users will also be able to contribute to their funds by participating in civic responsibility campaigns.

Last Events

Testing the new APP

Ibercaja and Pensumo carry out tests to test the “Consumption Pension System”, the APP that they are developing in the financial sandbox. – Las pruebas piloto, tras la firma del Protocolo con la Dirección General de Seguros y Fondos de Pensiones, se llevan a cabo en dos fases, con la participación de 500 usuarios que

RECICLA in the BBVA sustainability report “The city of 2050”

The Recicla y Suma de Pensumo project appears in the BBVA sustainability report “The city of 2050” as one of the benchmark projects in Spain in the Recycling incentive system. It appears on page 42 of said document: “Also the PENSUMO initiative, an APP that encourages recycling with an interesting proposal: “You recycle, we pay”.

RECICLA granted by Zaragoza Dinámica

The Recicla project has been granted by Zaragoza Dinámica within the  program for Projects that favor the Transition towards a Circular and Social Economy. From now on you will be able to see the thank you message from Zaragoza Dinámica every time you recycle certain types of waste from our APP. Download our APP and

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