Whenever you pay with your welcome20 card, you will receive one of these exclusive advantages:

• Up to 70% direct discounts, both at online and offline shops and hospitality establishments.
• Cashback bonuses. We give you back a percentage of the purchase amount, which you will receive on the 20th of each month.
• Welkis, the welcome20 reward points, which you can exchange on your purchases in many of our associated retailers. 1 welki = 1 euro.

While still benefiting from the advantages of the cards you already have.

Download the welcome20 app and find online shops and retailers around you with special promotions.

Did you know that you could get even more advantages in the café where you usually have breakfast, or in the shops where you usually buy?

Bring your favourite shops to welcome20 and become a VIP customer with exclusive discounts just for you!

Welcome20 is a wallet card that you can recharge with any of your personal or business cards. The benefits will always be yours.

Pay with the funds on your welcome20 card and recharge it with the exact amount from the card of your choice, with just one click. This way, you will have a statement of the movements of each card, either for your personal control or to report detailed business expenses at the end of the month.

For greater convenience, you can automate recharges when your balance reaches the minimum you set. All the control and information you need from all your cards, in just a single application.

«You will know them by their purchases».

Do you know that sometimes your bank denies you services and/or financing just because they don’t like what you spend your money on?

Your bank will only know that you recharge your welcome20 card, but they won’t know what you spend your money on. Neither your bank, …nor anyone else. Only you.

The statement of your purchases always remains totally confidential.

Do you carry a wallet full of cards?

welcome20 is a card with contactless technology, which allows you to combine all your cards in one.

And if you don’t want to carry any card, you can use it directly from your iPhone, Android phone or your smartwatch.

Recharge your welcome20 card with any of your other cards easily, securely and immediately, and pay through the wallet of your mobile or smartwatch. Be the envy of all!

What if you change to another bank? No problem. You’ll still be able to enjoy your benefits as usual. So easy, so free.

From our app you can set purchase limits, restrict purchases abroad, activate and deactivate your card if you lose it or simply want to. Total control for your peace of mind.

We do not store your card details. Only the last 4 digits for your reference. We work with security standards approved by your bank to preserve your confidentiality, and to be able to perform only the operations that you authorize.

welcome20 is a 100% Spanish Fintech, authorized to manage cards with a CSB 6707 issuing bank license, audited and subject to the regulations of the Bank of Spain and other regulatory standards approved by the Government of Spain and the European Union.

In addition, we count on the technology and supervision of Mastercard, leader in international management of secure payment methods.

• We offer you an innovative program to generate sales, loyalty and customer knowledge, with no implementation or maintenance costs. You don’t need new software or hardware, nor do you need to train your employees.
• You will be able to offer your customers a powerful universal discount program under your own brand, offering benefits to your customers in any store in the world.
• You will be more competitive with the big brands. You will obtain recurring extra income from commissions for consumption of your welcome20 customers in other affiliated establishments, which you can use to offer discounts and promotions without the expense coming out of your pocket.
• You will be able to communicate with your customers on a daily basis, through non-intrusive notifications and always at the optimal moment to promote your products or services.