VICO Ahorro is a Spanish consumer fintech that automatically optimises recurring household and SME expenses — electricity, gas, mobile, broadband and insurance — by reading users' bills with its AI engine ("L.I.A.", Lectura Inteligente de Ahorro) and switching them to better market tariffs. Founded in 2023 by Javier Pérez Pereira and Judith Fernández and accelerated by Lanzadera since September 2024, it operates an app plus a franchise/agent network and claims 10,000+ clients and €52M in savings generated. In October 2025 it closed a ~€500K seed round led by RACC with NotBoring and Angels (Juan Roig's investment vehicle). It is headquartered in Tarragona and also lists a Madrid office.
SectorsFintech, Consumer, Energy & Climate, Insurtech
Start-up MapFintech › Consumer credit & financial inclusion
Founders
J
Javier Pérez Pereira
CEO & Co-Founder
J
Judith Fernández
COO & Co-Founder
Global models 5
AArcadia
United States · www.arcadia.com ↗
Started as a consumer app that connects to households' utility bills and moves them to cheaper or cleaner energy, earning a margin on the switch.
~$330MComparable
PPapernest
France · www.papernest.com ↗
Manages and switches households' energy, broadband, mobile and insurance contracts, earning commissions from providers, which is the same multi-bill model as VICO.
~$70MComparable
RRocket Money
United States · www.rocketmoney.com ↗
A consumer app that reads recurring bills and subscriptions and negotiates or cuts them to save users money, charging on the savings (acquired by Rocket Companies).
~$45MComparable
NNous
United Kingdom · www.nous.co ↗
Handles household bills (energy, broadband, mobile, insurance) and automatically moves families to better deals, paid through provider commissions.
~$25MComparable
BBillshark
United States · www.billshark.com ↗
Reads users' recurring telecom, utility and insurance bills and negotiates lower rates, taking a share of the savings.
~$5MComparable
In the same niche 26 others
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Notes: Most funded first
Investors 4
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Funding rounds 1
| Date | Round | Amount | Lead |
|---|---|---|---|
| 2025-10-17 | Seed (estimated) | approximately €500K |
RACC
+2 more
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News 2
Open as list →| Published | Article |
|---|---|
| 2025-10-17 |
VICO: La startup que revoluciona el ahorro en servicios del hogar ↗
El Ecosistema Startup
2025-10-17 |
| 2025-10-17 |
VICO Ahorro impulsa su recorte de gastos inteligente en el hogar con una ronda de medio millón en la que participa Angels ↗
El Español / Invertia Disruptores
2025-10-17 |