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Potentially lower
return. Lower risk
Potentially higher
return. Greater risk
On a scale of 1 to 7, the risk level of Bankinter Pension Plans varies between 2 and 6. Category “1” does not mean that the investment is risk-free.
The risk level of every Bankinter pension plan is described in detail on our website www.bankinter.com, which contains a specific section for each plan. You can check the risk level of your pension plan in the related prospectus, in compliance with order ECC/2316/2015.
 You may only cash in or surrender your plan if you are faced with any of the liquidity contingencies or exceptional circumstances stipulated in the regulations on pension plans and funds.
The value of the rights of transfer, pension benefits and exceptional liquidity circumstances depends on the market value of the pension fund assets and may result in significant losses.
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
Potentially lower
return. Lower risk
Potentially higher
return. Greater risk
On a scale of 1 to 7, the risk level of Bankinter Pension Plans varies between 2 and 6. Category “1” does not mean that the investment is risk-free.
The risk level of every Bankinter pension plan is described in detail on our website www.bankinter.com, which contains a specific section for each plan. You can check the risk level of your pension plan in the related prospectus, in compliance with order ECC/2316/2015.
 You may only cash in or surrender your plan if you are faced with any of the liquidity contingencies or exceptional circumstances stipulated in the regulations on pension plans and funds.
The value of the rights of transfer, pension benefits and exceptional liquidity circumstances depends on the market value of the pension fund assets and may result in significant losses.

LOYALTY PLAN

We want to thank you, but in cash.

And we'll do the same every year to retain your loyalty to Bankinter and your pension plan1 or EPSV2. There are only two conditions and they are both very simple:

  • Maintain more than €30,000 in plans/EPSVs at the end of the year.
  • And have contributed at least €2,000 during the year.

Plan fidelidad
Bonus
0,25% 
On the equity you have in your pension plans or EPSV as of 31 December

A top-up for your retirement

Discover our pension plans and EPSVs.

Conservative

BK Renta fija Corto Plazo

For conservative profiles who want to invest in monetary and fixed-income assets with an average duration of less than two years.

Moderate

BK Mixto Sostenible

For those who are committed to socially responsible investing and are looking for more than just a return.
Dynamic

BK Pensión Dividendo

If you want to invest in European companies with high cash generation and dividend yield.

BK Mixto 20 Bolsa

The mixture of fixed income and equities (maximum 20%) is designed to achieve long-term stable returns

BK Jubilación 2040 FP

Designed for savers who expect to retire around 2040, gradually reducing the portfolio risk as that date draws closer.

BK Mixto 75 Bolsa

Invests up to 75% in companies that are financially sound and have growth potential.

BK Inversión Monetario FP

If you have a more conservative profile, you can invest 100% in monetary assets and fixed income with an average duration of less than one year.

BK Mixto 50 Bolsa

Invests between 25% and 60% in diversified equities and the rest in fixed income and money market assets.
Conservative

BK Renta fija Corto Plazo

For conservative profiles who want to invest in monetary and fixed-income assets with an average duration of less than two years.

Moderate

BK Jubilación 2030 FP

Designed for savers who expect to retire around 2030, gradually reducing portfolio risk as that date draws closer.
Dynamic

BK Pensión Dividendo

If you want to invest in European companies with high cash generation and dividend yield.

BK Mixto 20 Bolsa

The mixture of fixed income and equities (maximum 20%) is designed to achieve long-term stable returns

BK Mixto 50 Bolsa

Invests between 25% and 60% in diversified equities and the rest in fixed income and money market assets.

BK Mixto 75 Bolsa

Invests up to 75% in companies that are financially sound and have growth potential.

BK Inversión Monetario FP

If you have a more conservative profile, you can invest 100% in monetary assets and fixed income with an average duration of less than one year.

BK Renta Fija Largo Plazo

Invests in fixed income with an average duration of at least two years.
Conservative

BK Renta fija Corto Plazo

For conservative profiles who want to invest in monetary and fixed-income assets with an average duration of less than two years.

Moderate

BK Mixto 50 Bolsa

Invests between 25% and 60% in diversified equities and the rest in fixed income and money market assets.
Dynamic

BK Pensión Dividendo

If you want to invest in European companies with high cash generation and dividend yield.

BK Inversión Monetario FP

If you have a more conservative profile, you can invest 100% in monetary assets and fixed income with an average duration of less than one year.

BK Mixto 20 Bolsa

The mixture of fixed income and equities (maximum 20%) is designed to achieve long-term stable returns

BK Mixto 75 Bolsa

Invests up to 75% in companies that are financially sound and have growth potential.

BK Renta Fija Largo Plazo

Invests in fixed income with an average duration of at least two years.
Conservative

Plan Previsión BK Dinero

For moderate profiles who want to invest in money market and fixed-income assets with an average duration of less than 2 years.
Moderate

BK Renta Fija Largo Plazo pension plan

Invests in fixed income with an average duration of at least two years.
Dynamic

BK Bolsa Europa EPSV

If you want to invest in European companies with high cash generation and dividend yield.

BK Inversión Mixta EPSV

Invests between 25% and 50% in equities and the rest in fixed income and money market assets.

BK Variable América EPSV

Invests up to 75% in companies that are financially sound and have growth potential.

Regular Contributions Promotion

We reward your perseverance

Now you can get a bonus if you set up regular contributions to your pension plan or EPSV from as little as €50 per month.

  • If you already have a pension plan or EPSV, set up new regular contributions by choosing the amount and frequency.
  • If don't have a plan yet, check our range of products to find the best one for your profile and goals and enter regular contributions when you subscribe to it.
  • Promotion valid until 31.12.2021 or until the first 15,000 contributions have been set up. The maximum bonus-bearing balance is €1,000.4
5% the first year.
2% the second year.

Do the sums

Retirement savings calculator

Don't leave it for another day. It only takes a few minutes to plan your retirement, your future.
Find out more About pension plan calculator

State pension calculator

By entering just a few details, you can find out how much your state pension will be.
Find out more about state pension calculator

Pension plan and EPSV redemption simulator

Try our user-friendly calculator to discover the conditions and options for redeeming your plan.
Find out more about all your plan redemption options

More Bankinter, more for your retirement.

HOW DO PENSION PLANS WORK?

Complete information and help about pension plans and EPSVs.

Plus...

Guaranteed income to help you when you retire.

Future Stability Income

Guaranteed annuity with a fixed interest rate and excellent tax benefits.
Find out more about future stability income

Life annuity capital

With this income model you can cash in part of the capital without cancelling your investment.
Find out more about life annuity capital

Decreasing on Decease Capital Annuity

The life annuity method that offers you the highest income because you can use all of your investment.

Find out more about decreasing on decease capital annuity

Bankinter has the solution

We’re here to answer your banking queries and provide you with technical support.

More information
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