Consubanco
- Company typePrivate
- Founded2004
- HeadquartersMexico City, Mexico
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
Consubanco firmographics
Firmographics- Name
- Consubanco
- Legal name
- CONSUBANCO, S.A., INSTITUCIÓN DE BANCA MÚLTIPLE
- Website
- https://consubanco.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Where Consubanco is headquartered
LocationHeadquarters
- HQ city
- Mexico City
- HQ country
- Mexico
- HQ region
- Latin America
Offices10 records
Markets served
Consubanco business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Credit Interest Income: Interest income from payroll deduction loans with rates of approximately 30.6% annual fixed rate and 36.1% CAT
- Deposit Account Fees: Fees from debit accounts and digital account services
- Investment Products: Revenue from CEDE certificates and pagaré investment products
- Business Account Services: Services for business and government accounts
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Crédito con descuento de nómina - Standard payroll deduction loan |
| Subscription | Pay-as-you-go | Pensiona Plus - Pensioner credit product |
| Subscription | Monthly | Consucuenta Digital - Digital debit account |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Consubanco product offering
Product offeringCore offering
Consubanco is a Mexican multiple banking institution that originates payroll deduction credits to government employees and IMSS pensioners, provides pension-backed loans, and offers a family of consumer deposit accounts (Consucuenta), investment products (Consupagaré and Consuinversión CEDE), and a business deposit account (Consucuenta Empresarial). Distribution combines an over-100-location physical branch network with the App Consubanco mobile platform enabling fully digital account opening, biometric authentication, credit management, transfers, and service payments.
Product overview
Consubanco is a Mexican banking institution (S.A. Institución de Banca Múltiple) offering a comprehensive portfolio of financial products and services. The core offering includes payroll deduction credits (Crédito con descuento de nómina, Pensiona Plus) and deposit accounts (Consucuenta family: Débito, Digital, Básica, Básica de Nómina, Nivel 2/Bankaya). Investment products include Consupagaré and Consuinversión CEDE. The company operates through its mobile app (App Consubanco) enabling 100% digital processes. Recent additions include the Uber Pro Card partnership product and upcoming Consuprotección insurance. The product ecosystem serves individuals, pensioners, and businesses across Mexico with over 70 physical branch locations.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédito con descuento de nómina
Quantifiable outcome
- 150,000+ users enrolled on Uber Pro Card since January 2025
- +2 more outcomes
Companies that use Consubanco
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles5 records
Consubanco technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Consubanco partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- UbercoreUber, Consubanco, and Bkaya launched the Uber Pro Card in Mexico, a financial product for drivers and couriers offering instant payouts, personal loans, smartphone financing, and BNPL options with over 150,000 users enrolled since January 2025.
- BkayacoreBkaya partnered with Uber and Consubanco to launch the Uber Pro Card, an innovative financial solution for drivers and couriers in Mexico.
Scale indicators6 records
Recent moves5 records
Expansion highlights6 records
Consubanco competitors and assessment
Company assessmentDirect peers
- Compartamos Banco (Gentera): Mexican regulated commercial bank focused on consumer credit and financial inclusion for underbanked populations, with a comparable salary-deduction and payroll lending model targeting similar mass-market segments.
- Banco Azteca: Mexican multiple banking institution serving mass-market and underbanked customers through a large branch network tied to Grupo Elektra, with similar payroll and consumer credit products aimed at low- and middle-income borrowers.
- Bkaya: Mexican digital banking brand wholly owned by Consubanco, offering 100% digital deposit and credit products; a direct internal platform competitor and joint venture partner on the Uber Pro Card.
Emerging players
- NuBank México: Digital-first neobank rapidly scaling consumer credit and deposit products in Mexico, directly competing with Consubanco for digitally native customers and putting pressure on interest rates and onboarding friction.
- Klar: Mexican digital bank offering consumer credit, deposits, and payroll-linked products to mass-market customers; overlaps with Consubanco on payroll-deduction credit and digital account opening.
- Spin by OXXO (Femsa): Digital banking and credit platform leveraging OXXO's nationwide retail footprint to offer consumer credit and deposit accounts, increasingly competing for Consubanco's payroll and underbanked segments.
- Albo: Mexican neobank offering consumer accounts, deposits, and increasingly credit products to mass-market customers, positioning itself as a digital alternative to traditional Mexican banks like Consubanco.
Broad incumbents
- BBVA México: One of Mexico's largest commercial banks, offering payroll, pension, consumer credit, and deposit products across a national branch and digital network; represents the dominant incumbent against which Consubanco's niche positioning must compete.
- Banorte: Major Mexican commercial bank with a strong government and payroll business segment, including public-sector payroll accounts and consumer lending — a direct head-to-head incumbent in Consubanco's core market.
- Mercado Pago: Large-scale digital payments and consumer credit platform in Mexico reaching millions of underbanked users; competes with Consubanco on deposits, BNPL, and small-ticket consumer credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Consubanco social profiles
Digital presenceConsubanco financial estimates
Financial estimateRevenue estimate
Valuation estimate
Consubanco leadership team
Management profileNumber of profiles
Profiles1 record
Consubanco subsidiaries and ownership
Company hierarchySubsidiaries8 records
Consubanco funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Consubanco M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Consubanco
What does Consubanco do?
Consubanco is a Mexican multiple banking institution that originates payroll deduction credits to government employees and IMSS pensioners, provides pension-backed loans, and offers a family of consumer deposit accounts (Consucuenta), investment products (Consupagaré and Consuinversión CEDE), and a business deposit account (Consucuenta Empresarial). Distribution combines an over-100-location physical branch network with the App Consubanco mobile platform enabling fully digital account opening, biometric authentication, credit management, transfers, and service payments.
Is Consubanco a public or private company?
Consubanco is a private company. It is classified as unknown and is currently operating.
When was Consubanco founded?
Consubanco was founded in 2004. It employs 501 to 1,000 people.
Where is Consubanco based?
Consubanco is headquartered in Mexico City, Mexico, in the Latin America region.
How does Consubanco make money?
Four revenue lines are on record. Credit Interest Income is the primary driver. The others are deposit Account Fees, investment Products and business Account Services.
Who are Consubanco's main competitors?
Direct peers on record are Compartamos Banco (Gentera), Banco Azteca and Bkaya. Emerging players are NuBank México, Klar, Spin by OXXO (Femsa) and Albo. Broad incumbents are BBVA México, Banorte and Mercado Pago.
Does Consubanco have an API?
No public API is recorded for Consubanco.