We use first and third-party cookies for analytical and statistical purposes and to show you personalised advertisements based on a profile compiled from your browsing habits (e.g. pages visited). For more information, click on our Cookie Policy. You can accept all cookies by pressing 'Accept' or personalise your choice by clicking on MANAGE OR REJECT COOKIES.
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.
Want to know the reward for your loyalty? No need to calculate it, we've done it for you.
Premium Pension Plans
Everything you ask of your investments in a single product: Premium Pension Plans
- Diversified investment, as regards both the types of assets it invests in and the international markets it accesses.
- Active, dynamic and flexible management carried out by professionals with a history of consistent results to detect investment opportunities according to the level of risk.
- All with the advantages of pension plans: their taxation.
A top-up for your retirement
Discover our pension plans and EPSVs.
Pension plans
BK Premium Moderado
BK Premium Dinámico
BK International FP equity
BK Premium Conservador
BK Mixto 75 Bolsa
BK Variable America FP
BK Renta fija Corto Plazo
BK Premium Defensivo
BK Premium Agresivo
BK Premium Conservador
BK Jubilación 2040 FP
BK Variable America FP
BK Premium Defensivo
BK Premium Moderado
BK Premium Dinámico
BK Renta fija Corto Plazo
BK Renta Fija Largo Plazo
BK Mixto 75 Bolsa
BK Premium Defensivo
BK Jubilación 2030 FP
BK Premium Dinámico
BK Renta fija Corto Plazo
BK Premium Conservador
BK Mixto 75 Bolsa
BK Inversión Monetario FP
BK Renta Fija Largo Plazo
BK Premium Moderado
EPSVs
BK Premium Moderado Pension Plan
BK Premium Dinámico Pension Plan
BK Variable América EPSV
BK Premium Conservador Pension Plan
BK Premium Moderado Pension Plan
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.
Do you want to find out everything about our sustainable products? Let's find out.

QUARTERLY REPORTS
We help you build your future.
Do the sums
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.
More Bankinter, more for your retirement.

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.
LIFE ANNUITIES
If you want to have peace of mind for your future, don't forget about it and start now.
This is why we have a range of Life Annuities, life-savings insurance, which provide you with guaranteed regular income throughout your life, with different coverage possibilities in the event of death to suit your needs and to help you maintain your quality of life when you retire.
- Plan your savings and get them back in the form of income.
- And get good tax benefits on your regular income, especially if you arrange it when you are 66 years old or over.


Future stability life annuity

Life annuity capital

Decreasing on Decease Capital Annuity

50-0 Life annuity capital
Useful information
-
Show/Hide legal text1 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.
-
Show/Hide legal text2 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.
-
Show/Hide legal text3 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.
-
Show/Hide legal textBankinter Seguros de Vida, SA, de Seguros y Reaseguros, sold through Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded under Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of TIN 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), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, and taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
-
Show/Hide legal textThe key information document for unit holders is available at all Bankinter branches and on our website bankinter.com
-
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.
-
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.
-
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.
-
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.