Can I mention my product if I frame it as helpful?
The rules ban using the sub for marketing or lead capture, so there is no safe promotional post. The only path is unpaid participation that adds educational value.
Subreddit guides
r/ColombiaFinanciera rules, stats, and what to post
A source-backed Rankhog guide to r/ColombiaFinanciera: public rules, community context, posting fit, and startup-promotion risk before you publish.
By Anthony Riera, founder and operator of Rankhog.
Subreddit guides combine public Reddit source URLs, captured rules, visible verification dates, and Rankhog's account-safety workflow.
Current public stats
- Members
- 37,716
- Verified
- October 3, 2026
- Category
- Personal finance and investing communities
Rules can change, so Rankhog keeps verification dates and the original public Reddit sources visible.
Rule summary
- Reglas de Reddit y la reddiqueta: **Norma:** Todo usuario debe cumplir con las Reglas de Reddit y la reddiqueta. ✅ **Qué hacer:** Respetar las políticas de la plataforma. ❌ **Qué no hacer:** Spam, incitación al odio, manipulación de votos o contenido prohibido. **Acción:** Eliminación del contenido y baneo según el caso.
- Respeto y conducta: **Norma:** No se permite acoso, insultos, burlas, hostigamiento ni ataques personales. ✅ Discute ideas y argumentos. ❌ No ridiculices ni ataques usuarios. **Acción:** Eliminación del contenido y baneo temporal o permanente según gravedad.
- Gobernanza y moderación: **Norma:** La comunidad puede reportar y sugerir, pero la moderación decide. ❌ No se debaten decisiones en hilos públicos ni se crea drama. **Acción:** Moderación del contenido; sanciones si corresponde.
- Neutralidad política: **Norma:** El subreddit es estrictamente neutral en política. ❌ Prohibida la promoción u oposición a partidos, ideologías o candidatos, incluso de forma indirecta. **Acción:** Eliminación inmediata y baneo según el caso.
- Deriva ideológica: **Norma:** Las discusiones financieras no pueden convertirse en debates ideológicos. ❌ Izquierda vs derecha, ataques políticos o bandos. **Acción:** Cierre del hilo o eliminación del contenido.
- Pertinencia temática: **Norma:** Solo contenido financiero relevante para Colombia. ❌ Política general, opinión social o temas ajenos al enfoque financiero. **Nota:** Vehículos solo si el enfoque es financiero (costos, financiación, impacto). **Acción:** Eliminación del contenido off-topic.
- Calidad del contenido: **Norma:** El contenido debe aportar valor educativo o informativo. ❌ Contenido vago, repetido, sin contexto o de bajo esfuerzo. **Flairs:** Uso obligatorio y correcto. **Acción:** Eliminación; advertencias o baneo por reincidencia.
- Información confiable: **Norma:** Toda información debe estar respaldada por fuentes confiables. ❌ Fake news, clickbait o afirmaciones sin sustento. **Acción:** Eliminación inmediata; baneo por reincidencia.
- Mal consejo financiero: **Norma:** No se permite contenido que pueda inducir a malas decisiones financieras. ✅ El desacuerdo informado es válido. ❌ Promoción de prácticas riesgosas sin sustento. **Acción:** Eliminación y posible baneo.
- Privacidad directa o indirecta: **Norma:** Prohibido publicar o solicitar datos personales. ❌ Incluye privacidad indirecta (ej. preguntar dónde trabaja alguien por sus ingresos). **Acción:** Eliminación inmediata y baneo según gravedad.
- Transparencia en conversaciones: **Norma:** Las discusiones financieras deben mantenerse públicas. ❌ “Escríbeme al privado”, “lo vemos por DM”. **Acción:** Eliminación del mensaje y posible sanción.
- Spam y autopromoción: **Norma:** Prohibido usar el sub para marketing o captación. ❌ Servicios, cursos, referidos, canales externos. **Acción:** Eliminación inmediata y baneo según el caso.
- Solicitudes económicas y encuestas: **Norma:** Prohibido pedir dinero, donaciones, crowdfunding o publicar encuestas. ❌ Aplica incluso en tono humorístico. **Acción:** Eliminación inmediata y baneo según el caso.
- Términos sensibles y alto riesgo: **Norma:** Apuestas, drogas, sexo o alto riesgo solo en contexto educativo o regulatorio. ✅ Ejemplos académicos o análisis críticos. ❌ Uso humorístico o promocional. **Acción:** Eliminación inmediata y baneo permanente en la mayoría de casos.
- Actividades ilegales: **Norma:** Prohibido promover fraude, evasión fiscal o estafas. **Acción:** Eliminación inmediata y baneo permanente.
Works well
- A plain language explainer in Spanish on a Colombian money topic, like how compound interest works on a savings account, with sources cited
- A first person breakdown of a budgeting or saving method you actually used, with real numbers and the tradeoffs you faced
- A balanced comparison of a financial decision, like renting versus buying or one insurance type versus another, presented with evidence and no product push
- A sourced summary of a regulatory or educational topic, such as how a Colombian financial rule affects everyday savers
- Helpful comments on other people's questions, answering from experience and keeping every exchange public
Avoid
- Posting any link, course, referral, or service pitch, because “Spam y autopromoción” bans marketing and lead capture outright
- Asking anyone to continue a conversation in DMs, because “Transparencia en conversaciones” requires financial discussions to stay public
- Tying your topic to a party, candidate, or ideology, because “Neutralidad política” bans promotion or opposition even indirectly
- Letting a money thread drift into a left versus right argument, because “Deriva ideológica” closes or deletes those threads
- Posting general life or social commentary with no financial angle, because “Pertinencia temática” limits the sub to Colombian finance
- Skipping or misusing the required post flair, because “Calidad del contenido” makes correct flair mandatory and misflaired posts get removed
What r/ColombiaFinanciera Is For
This is a Spanish speaking community for financial education in Colombia. People come here to learn, share experiences, and ask questions about managing their money, from budgeting and saving to investing and insurance. The description is clear that the space is collaborative and supportive, and that the goal is impartial, practical knowledge. It is just as clear about what the community is not: it does not endorse and is not affiliated with any specific app, service, or platform. So the people posting here are everyday Colombians working on their personal finances, and the room is built for honest education, not for anyone selling something.
Rules That Matter Before Posting
The rule that decides everything for a founder is “Spam y autopromoción”, which bans using the sub for marketing or lead capture, including services, courses, referrals, and external channels, with immediate removal and a ban as the stated action. “Transparencia en conversaciones” matters just as much, because financial discussions must stay public and messages like write me privately or let's take this to DM get removed and can earn a sanction. “Pertinencia temática” keeps the sub strictly on finance relevant to Colombia, so general politics, social opinion, and off-topic subjects get deleted. “Calidad del contenido” requires real educational or informational value and makes the correct use of flairs mandatory, so vague, repeated, or low effort posts are removed. “Información confiable” demands that every claim be backed by trustworthy sources, which kills fake news, clickbait, and unsupported statements. “Mal consejo financiero” removes content that could push people into bad money decisions, though informed disagreement is welcome. “Neutralidad política” and “Deriva ideológica” ban political promotion and ideological debates even when they start as finance threads. “Privacidad directa o indirecta” forbids asking for or sharing personal data, including indirect questions like where someone works to guess their income. “Solicitudes económicas y encuestas” bans asking for money, donations, crowdfunding, and posting surveys, even as a joke. Finally, “Términos sensibles y alto riesgo” and “Actividades ilegales” allow gambling, drugs, and high risk topics only in an educational or regulatory context and permanently ban fraud, tax evasion, and scams.
What To Post
Think of this sub as a place to teach, not to sell. A good post is genuinely useful financial content for a Colombian audience, written in Spanish, with the correct flair applied. Share a concrete lesson from your own experience, like how you built a budget, what a saving strategy actually cost you, or how you compared insurance options, and back any numbers with trustworthy sources. If you are a founder, participate as a member: answer questions in the comments, share what you learned building something, and keep every conversation public instead of moving it to DMs. Keep the topic strictly financial and Colombian, stay neutral on politics, and never turn a thread into an ideological debate. If you touch a sensitive or high risk topic, frame it as education or regulatory analysis, never as promotion or a joke.
What To Avoid
The fastest way out is any form of promotion, since “Spam y autopromoción” means immediate removal and a ban for services, courses, referrals, or external channels. Inviting people to DMs gets your message removed under “Transparencia en conversaciones”. Political content, even indirect support or opposition to a party or candidate, means immediate removal and a ban under “Neutralidad política”, and letting a finance thread slide into ideology gets it closed under “Deriva ideológica”. Off-topic posts outside Colombian finance are deleted under “Pertinencia temática”. Low effort, vague, or repeated posts, and posts with the wrong or missing flair, are removed under “Calidad del contenido”. Unsupported claims, fake news, and clickbait are removed immediately under “Información confiable”. Risky money advice without substance is removed under “Mal consejo financiero”. Asking for or sharing personal data, even indirectly, is an immediate removal under “Privacidad directa o indirecta”. Asking for money, donations, crowdfunding, or posting surveys, even jokingly, is an immediate removal and ban under “Solicitudes económicas y encuestas”. Promoting fraud, tax evasion, or scams means a permanent ban under “Actividades ilegales”.
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Common questions about r/ColombiaFinanciera
Can I run a survey or poll for market research?
No. “Solicitudes económicas y encuestas” prohibits surveys, and it applies even in a joking tone.
Can I move a conversation to DMs to help someone privately?
No. “Transparencia en conversaciones” requires financial discussions to stay public, and moving them to DMs can get the message removed and sanctioned.
Can I write about vehicles or insurance products?
Only if the post is strictly about the financial side, like costs, financing, and budget impact, and never as a product pitch.
Can I discuss government policy that affects my finances?
Yes, but keep it strictly financial and neutral. Any political framing, even indirect, means immediate removal and a ban under “Neutralidad política”.
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