Improve your financial wellbeing
learning how to optimize your resources

Take control over your finances with sumofuturo

More Info

Why a financial wellness program?

Financial assistant

Access all your financial information in one single platform. Simplify your financial life, saving time and complexity.


Sumofuturo provides you with your Financial Wellness score, so you can take control over it.

Achieve your goals

Sumofuturo helps you understand your spending habits, hence achieve your saving’s goals.

It’s free with no third-party advertising

You will never have to pay for sumofuturo. Your employer pays for your access as part of your social benefits package. You will never receive third-party advertising.

It’s secure

Banking security level. You will only provide us with your read-only access keys; we will never (and can’t) operate on your behalf.


You are the only one with access to your financial data in sumofuturo.

How it works

Sign in

You will receive a communication from your employer or directly from us with instructions on how to sign in to sumofuturo.

Add your bank accounts

Connect safely with all your financial accounts. Do not worry, we have banking security standards, your data is safeguarded.

Sort your finances in one single place.

Learn where you are spending more and identify where you can save. Set saving’s goals that you can reach.


Improve your Financial Wellbeing Score and reach your goals easily.

FAQs for employees

For which browsers is sumofuturo available?

You can use the service with Chrome, Firefox, Safari & Edge on the last 4 versions, and Internet Explorer 10 or higher.

If you would like to use sumofuturo on a different browser, please send us an email to and share with us your preferences. We will be happy to analyse your request.

Can I use sumofuturo on my mobile?

Sumofuturo is available as an app for iOs and Android, as well as optimized for mobile browsers.

How many bank accounts or financial products can I connect to?

There are no limits per user in terms of bank accounts nor financial products, you can link as many bank accounts as you have, as longs as these are supported by sumofuturo.

Can I access sumofuturo without connecting my bank accounts?

Yes, you don’t need to connect your bank account to use your sumofuturo account. While there are features you will not enjoy (transaction history, reports, forecasts, balances, expense categorization….) you can access our “HOW TO SAVE” area, with exclusive financial content that can also help you get your finances in order.

My password forsumofuturo is the same as my access keys to my financial institutions?

No. To access sumofuturo we will need an email address you frequently use and a password (encrypted for security), which activates your account. Please bear in mind that your password should have 8 characters and include both numbers y letters.

Once you’ve set up your account you can connect it with all the financial institutions you like, as long as it is supported by sumofuturo, each one with its own access keys.

Why do I need to provide my access key to aggregate new financial accounts?

We need the access keys in order to read your financial history, so you can have in one place all your aggregated data as well as detailed information of all your financial products.

Do not worry; sumofuturo will never request your operation keys, just only access keys to read your information and display it on our platform.

What is the difference between access/reading and operation keys?

In order to aggregate your financial information, we need to have access to your banking and financial transactions. sumofuturo asks for your bank access keys: these keys facilitate read-only access to your banking and transactions information so that we can display your financial information and you can take full advantage of our features such as expense categorization, forecasts and goal setting, among other.

Operation keys are used to operate your bank accounts. sumofuturo will never ask you for your operation keys. Operation keys differ from bank to bank, they can be included in a card or a password, or sent over as an SMS if you want to order a transaction.

Who will have access to my financial data? Is the platform secure?

No one except you will have access to your data. All your information is 100% confidential and secure because:

- Sumofuturo is a read-only platform, meaning nobody can operate their bank account or order financial transactions from the platform. Please bear in mind we will never request the operation keys for your financial accounts.
- Our communications are encoded with 256 bits banking security level, as most advanced banks apply today.
- All the data you provide us will never be shared with third parties, as Data Protection regulation establishes.
- To register and use sumofuturo you only need an email address, ensuring your anonymity. Once you create your user profile, the platform is managed by algorithms, not humans, hence your transactions will never be viewed by any person.

Is my data shared with third party companies?

We just need your email account to use sumofuturo. No data shared with us will be ever shared with third party companies, strictly following Data Protection Laws in Spain. Your data is 100% confidential.

Which personal data do I need to register?

We will never share any data with third party companies, in compliance with Data Protection regulation. Your data is 100% confidential.

I lost the registration code provided by my company, how can I register?

Your Human Resources Team has your individual access code, please get in contact with them to recover your code. Without your individual access code you can’t register with us.

I already registered but I forgot my password, how can I reset it?

You can reset your password anytime, please click on “I forgot my password” here

Can I cancel my account? Where does my data go when my account is cancelled?

You can cancel your account anytime, from your “My profile” area and click on “Delete Account”. All the data will be removed from our servers and you will not have access again to yoursumofuturo account.

Which financial institutions are supported by sumofuturo?

Sumofuturo supports most financial institutions in Spain. Our coverage reaches 99% of the Spanish citizens. Having said that, if you cannot find your current financial institution, please send us an email to and share your case with us.

The following financial institutions are supported by sumofuturo:

- Abanca
- Abante asesores
- Activobank
- American Express
- Ahorro corporacion
- Arquia
- Azvalor
- Banca farmafactoring
- Banco Caminos
- Banca March
- Banca pueyo
- Banco Pastor
- Banco Popular
- Banco Sabadell
- Bancofar
- Bancopopular-e
- Bankia
- Bankinter
- Bankoa
- Bestinver
- Blockchain
- Caixa albalat
- Caixa alginet
- Caixa almenara
- Caixa alqueries
- Caixa altea
- Caixa callosa
- Caixa colonya
- Caixa geral
- Caixa guisona
- Caixa petrer
- Caixa Rural Burriana
- Caixa Rural Nules
- Caixa Sant Vicent
- Caixa turís
- Caixa vilafamés
- Caixa vilavella
- Caixa xilxes
- Caixabank
- Caja arquitectos
- Caja cheste
- Caja de ingenieros
- Caja Duero
- Caja laboral
- Caja Rural de Villar
- Cajamar
- Cajastur
- CajaSur
- Carrefour Financial Services
- Carrefour visa
- Catalunya Caixa
- Cetelem
- Cofidis
- Cuenta facto
- Degiro
- Deutsche Bank
- Edenred
- El corte ingles
- España duero
- EVO banco
- EVO Finance
- Finconsum
- Fonditel
- Ibercaja
- Iberia cards
- Imaginbank
- ING Direct
- Inversis
- Kutxabank
- Laboral Kutxa
- Liberbank
- Magallanes
- Mapfre
- Mediolanum
- Moneygram
- Mutuactivos
- Mutualidad abogacia
- Novo Banco
- Obsidiana
- OficinaDirecta
- Openbank
- Renta4
- Rural torrent
- Rural vila-real
- Ruralvía
- Santander
- Santander finance consumer
- Santander Private
- Self Bank
- Solred
- Targobank
- Tranferwise
- Tressis
- Triodos Bank
- Unicaja
- Visa cepsa
- Western union
- WiZink


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