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Brands of companies by Sonae, in different areas of business.

Universo Sonae
Portugal
Brands
4Provedoria Universo Bankinter Universo Sonae Cartão Universo Universo Sonae Dá Universo Sonae MDS Universo Sonae
Cartão Universo
Universo Sonae
Cartão Universo brings together all loyalty and payment cards of Sonae’s brands, adding the advantages of a MasterCard of universal use without any fees. Cartão Universo allows the customer, for each purchase, and directly at the payment terminal, to choose between a set of payment options: End of the month, 3x, 6x or 12x.
Besides Cartão Universo, there is also Seguros Universo (Home Protection, Card Budget Protection, Family Protection and Wage Protection) and Financiamento Universo (Car Credit, Home and Furniture Financing, Leisure and Holiday Financing, Small Projects, among others).
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Dá
Universo Sonae
Dá is the gift card that operates in over 1,100 Sonae shops in Portugal and Spain. It has a 3-card portfolio: Dá Presentes Particulares, Dá Refeições (the best solution to provide employees with food allowance, with associated tax benefits) and Dá Presentes Corporate (the best solution to reward merit, give presents on any occasion and award in marketing campaigns).
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MDS
Universo Sonae
MDS is a multinational group that operates in the field of insurance broking and reinsurance and risk consulting, present in over 100 countries. It is a market leader in Portugal, one of the biggest players in Brazil and is directly present in Angola, Mozambique and Spain, Malta and Switzerland. Through Brokerslink, MDS meets the needs of its clients wherever they are and whichever sector they work in. The group also comprises MDS RE and RCG – Risk Consulting Group. Through HighDome, a Protected Cell Company (PCC), MDS provides alternative solutions in risk transfer to the traditional insurance market.
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