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Example of Loyalty Plan bonuses
Example for an initial equity of €50,000 in a pension plan held at Bankinter for 5 years (gross amounts)
Maximum total bonus
- 1 The end-of-year assets calculations do not include any yields on the plan
- 2 On the equity you have in your pension plans or EPSV as of 31 December
Example of Loyalty Plan bonus for a pension plan transfer
Examples of bonuses for the transfer of pension plans of another provider for an amount of €100,000, assuming that the campaign in force is with a bonus of 3% or 4% on the assets transferred and for making contributions to the pension plan during a 6-year period.
(transfer of plan)
- 3 The end-of-year assets calculations do not include any yields on the plan
- 4 On the equity you have in your pension plans or EPSV as of 31 December
- 5 Transfer bonus, assuming that the campaign in force is with a bonus of 3% or 4% on the transferred assets.

3,5%
for transfers equal to or greater than €60,000.
2,5%
for transfers greater than or equal to €30,000 and less than €60,000.
1,5%
for transfers of less than €30,000 and more than or equal to €1,000.
An additional 1.5%
if you make a monthly contribution of €100 or more per month.
Want to know the reward for your loyalty? No need to calculate it, we've done it for you.
A top-up for your retirement
Discover our pension plans and EPSVs.
Pension plans
BK Mixto 50 Bolsa
BK Mixto Sostenible
- See impact report.
BK International FP equity
BK Mixed 20 FP
BK Mixto 75 Bolsa
BK Variable America FP
BK Renta fija Corto Plazo
BK Mixed 10 FP
BK Pensión Dividendo
BK Mixed 20 FP
BK Jubilación 2040 FP
BK Variable America FP
BK Mixed 10 FP
BK Mixto 50 Bolsa
BK Mixto Sostenible
- See impact report.
BK Renta fija Corto Plazo
BK Renta Fija Largo Plazo
BK Mixto 75 Bolsa
BK Mixed 10 FP
BK Jubilación 2030 FP
BK Mixto Sostenible
- See impact report.
BK Renta fija Corto Plazo
BK Mixed 20 FP
BK Mixto 75 Bolsa
BK Inversión Monetario FP
BK Renta Fija Largo Plazo
BK Mixto 50 Bolsa
EPSVs
BK Inversión Mixta EPSV
BK Bolsa Europa EPSV
BK Variable América EPSV
BK Mixed 20 PPSI
BK Inversión Mixta EPSV
BK 2040 Retirement EPSV Life Cycle
Plan Previsión BK Dinero
BK 2025 Retirement EPSV Life Cycle
BK 2030 Retirement EPSV Life Cycle
BK fixed income provision plan
he Plan invests 100% of its portfolio in long-term fixed income securities and monetary assets, with an average duration of the portfolio of more than two years.
See our full range of plans and EPSVs.

QUARTERLY REPORTS
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State pension calculator
By entering just a few details, you can find out how much your state pension will be.Retirement savings calculator
Don't leave it for another day. It only takes a few minutes to plan your retirement, your future.Pension plan and EPSV redemption simulator
Try our user-friendly calculator to discover the conditions and options for redeeming your plan.Apply for pension plan delegated investment.
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HOW DO PENSION PLANS WORK?
Complete information and help about pension plans and EPSVs.
Do you know about all of the options for drawing your pension or Voluntary Insurance Provider (EPSV) plan? We will take you through all of the options and all of the scenarios.
Plus...
Future Stability Income
Guaranteed annuity with a fixed interest rate and excellent tax benefits.Life annuity capital
With this income model you can cash in part of the capital without cancelling your investment.Decreasing on Decease Capital Annuity
The life annuity method that offers you the highest income because you can use all of your investment.
Useful information
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Show/Hide legal text1 Transfer of Pension Plans:Offer valid from 05/01/2022 until 05/31/2022. The bonus is 3.5% gross of the net balance of incoming and outgoing transfers requested during the promotion period for transfers of pension plans of €60,000 or more (2.5% gross for transfers of pension plans of €30,000 or more and less than €60,000, and 1.5% gross for transfers of pension plans of less than €30,000 and €1,000 or more). It will be paid on 30 June 2022 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 June 2022). If, in addition to the transfer, the customer simultaneously sets up an initial regular monthly contribution into their Pension Plan of €100 or more per month for a minimum of 24 months, and the first contribution is made between 05/01/2022 and 05/31/2022, they will receive an extra bonus of 1.5% of the amount transferred: a bonus of 5% gross for transfers of pension plans where the amount is €60,000 or more, a bonus of 4% gross for transfers of pension plans where the amount is €30,000 or more and less than €60,000, and 3% gross for transfers of pension plans where the amount is less than €30,000 or €1,000 or more. The maximum bonus will be €7,000. The pension plan must remain with Bankinter for at least 7 years (up to 05/31/2029). The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount. This offer does not apply to transfers of the following Pension Plans: Popcoin Global Conservador FP, Popcoin Global Moderado FP and Popcoin Global Dinámico FP. If, during the minimum contract period, the customer reduces their existing vested/economic rights on the date of this bonus campaign, whether it is as a result of (fully or partially) transferring the Pension Plan to another bank, transferring the Popcoin pension plans stated above or redeeming your vested/economic rights, they will have to return the total gross amount of the bonus received.
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Show/Hide legal text2 Voluntary Pension Scheme (EPSV) Transfer: Offer valid from 05/01/2021 to 05/31/2022. The bonus is 3.5% gross (0.69% APR calculated over 5 years) for Pension Plan transfers of an amount equal to or greater than €60,000, 2.5% gross (0.50% APR calculated over 5 years) for transfers equal to or greater than €30,000 and less than €60,000 and 1.5% gross (0.30% APR calculated over 5 years) for pension plan transfers if the amount is less than €30,000 and equal to or greater to €1,000 of the balance corresponding to the net of incoming and outgoing transfers requested during the promotion period. It will be paid on June 30, 2022 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after June 20, 2022). If, in addition to the transfer, the customer registers for the first time a periodic monthly contribution to their Bankinter EPSV Individual Retirement Plan, for an amount equal to or greater than €100 per month for at least 24 months, the first contribution being effective during the months of the campaign itself and maintained for 7 years, they will be rewarded with an extra 1.5% on the transferred amount: 5% gross (0.98% APR calculated over 5 years) for transfers of Pension Plans equal to or greater to €60,000, 4% gross (0.79% APR calculated over 5 years) for transfers equal to or greater than €30,000 and less than €60,000 or 3% gross (0.59% APR calculated over 5 years) for pension plan transfers for an amount less than €30,000 and equal to or greater than €1,000. The period for staying in the Bankinter EPSV Individual Retirement Plan is 7 years (until 05/31/2029). Maximum bonus amount will be €7,000 gross.
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Show/Hide legal text3 Loyalty Plan Pension Plan: Annual bonus of 0.25% of the equity in your Individual Pension Plans at year end, provided that your equity is equal to or greater than €30,000 and is maintained until the bonus payment date (15 February of the following year), and provided that you have made contributions of €1,500 between 1 January and 31 December. Transfers do not count as contributions. The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount.
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Show/Hide legal text4 Loyalty Plan EPSV: Annual bonus of 0.25% (0.05% AER) of the equity in your Bankinter EPSV Individual Retirement Plan, at year end, provided that your equity is equal to or greater than €30,000 and is maintained until the bonus payment date (15 February of the following year), and provided that you have made contributions of at least €1,500 between 1 January and 31 December. Transfers do not count as contributions. The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount.
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Show/Hide legal text5 5% - 2% regular contributions promotion: To qualify for the promotion you must hold a Salary, Pension, Business, Non-Salary, Youth Salary Account, Tú y Yo, Broker or Current account with Bankinter and make a regular contribution from that account of at least €50 per month to an investment fund, pension plan, EPSV or individual systematic savings plan (PIAS), or alternatively allocate €250 per month to the purchase of shares. The promotion applies exclusively to product lines where you do not currently have regular contributions and have not had them in the last 12 months. If you fail to make any of these regular minimum contributions you will not receive the bonus. First year: 5%. Second year: 2%. Monthly settlement on the total accumulated net balance: sum of regular contributions made to investment funds, pension plans, EPSVs, PIAS and shares, minus redemptions from investment funds with declared regular contributions and external transfers of investment funds, pension plans, EPSVs, PIAS and shares with declared regular contributions. The maximum bonus-bearing balance is €1,000. The following is an example for a regular monthly contribution of €100 to an investment fund over the course of 24 months. Total first year bonus: €31.26 gross. Total second year bonus: €20.04 gross.
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Show/Hide legal textBankinter, S.A., as a bancassurance operator with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of tax identification number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madrid www.dgsfp.mineco.es), under code OV-0028, has entered into insurance agency agreements with the following institutions: Bankinter Seguros de Vida, S.A., Bankinter Seguros Generales y Reaseguros, S.A., Línea Directa Aseguradora, Plus UltraSeguros Generales y Vida, S.A., Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., AXA Seguros Generales, S.A. de Seguros y Reaseguros, Mapfre Familiar Compañía de Seguros y Reaseguros, S.A., Mapfre Empresas, Compañía de Seguros y Reaseguros, S.A, Mapfre Global Risk, Cia Internacional de Seguros y Reaseguros, Helvetia Compañía Suiza, S.A. de Seguros y Reaseguros, HDI Hannover International España, S.A. de Seguros y Reaseguros, Stonebridge International Insurance LTD, Financial Insurance Company Limited Spain, FinancialAssurance Company Limited Spain, SOS Seguros y Reaseguros, S.A., ACE European Group, S.A., Asefa, S.A. Seguros y Reaseguros, Solunión Seguros de Crédito Cia Internacional de Seguros y Reaseguros, S.A., Sanitas S.A de Seguros y Cigna Life Insurance Company of Europe, S.A., Metlife Europe Limited Sucursal en España and DAS (Defensa del automovilista y de siniestros internacional, S.A. de seguros).
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Show/Hide legal textBasic information about data protection. Bankinter Seguros de Vida, S.A de Seguros y Reaseguros will process your data for the following purposes: (i) in compliance with legal obligations; (ii) for the comprehensive and centralised management of your insurance contract; (iii) to ask doctors and healthcare providers to supply the data and medical history required to prepare the contract and protect your interests; (iv) to analyse and develop profiles to ensure the correct execution of the insurance contract; and (v) to contact you with information about products or services that may be of interest to you since they are similar to the ones you already have with us. To be able to inform you about the products and services mentioned above, we will analyse your personal data to create a profile that will allow us, by whatever channel we may use to reach you, to tailor our commercial announcements as closely as possible to your needs, tastes and preferences. Please also refer to the additional information about data information published by Bankinter Seguros de Vida, S.A de Seguros y Reaseguros.
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Show/Hide legal textDissolution and Liquidation Announcement: Bk Protección, Fondo de pensiones. As provided for under article 15.3 of Royal Legislative Decree 1/2002, of 29 November, approving the Consolidated Text of the Regulation of Pension Plans and Funds Act and article 62.3 of Royal Decree 304/2004, of 20 February, approving the Pension Plans and Funds Regulation, announces that it is dissolving and liquidating the Pension Fund BK PROTECCIÓN, F.P. (F-1218), adopted by common agreement by BANKINTER SEGUROS DE VIDA, S.A. DE SEGUROS Y REASEGUROS, in its capacity as Depositary and Promoter of that fund, and by BANKINTER, S.A. in its capacity as Depository on 10 March 2022.
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Show/Hide legal textBankinter Pension Plans: The key information document for the unit holder is available at www.bankinter.com. The pension plan promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The pension fund manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The depositary of the pension funds is Bankinter, S.A.
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Show/Hide legal textRetirement Plans: Bankinter EPSV Individual Retirement Plan: Promoter Partner: Bankinter, S.A.: Manager: Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.