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


The Consumption Pension is making its way through Spain through Pensumo and its participation in the Spanish financial Sandbox. In addition to the contribution of great experts on the subject such as José Antonio Herce and other entities that are pioneering the subject such as Ibercaja. However, the Consumption Pension is also expanding in other

The social benefit of the Consumption Pension

-The portal of the General Directorate of Insurance and Pensions of Spain, publishes the document of conclusions regarding the tests carried out in the I Financial Sandbox of the Ministry of Economy of Spain with the project “Pension for Consumption”, presented by the SME Pensumo and Ibercaja Banco -The final report of the DGSFP states:

Pensumo among the 30 most sustainable fintech in the world

Green Digital Finance Alliance and the Swiss Green Fintech Network have worked on the “Green Fintech Classification”, a global selection of the 30 #fintech companies on the planet that work best on sustainability. Pensumo is among them, It is noteworthy that the only Spanish SME on this list of innovation in sustainability is Pensumo. There