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 pensions’

Do Pensumo is Pensuming A single, premeditated and simultaneous act of consumption and savings for the pension. Spain has been the first country that has adapted its individual pension legislation, linking these to payments for daily consumer purchases. They are the so-called “consumption pensions”, that is, discounts and financial promotions that are offered to the

Pensions for All: Proposals for a More Inclusive Pension System in Latin America

Pensumo contributes with its grain of sand in the book “Pensions for All: Proposals for a More Inclusive Pension System in Latin America” ​​by Tuesta, David; Bhardwaj, Gautam, eds. 2023. © pinBox Latin America © pinBox. Company committed to promoting collaborative action to expand the coverage of micro-pensions among women and young people who work


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