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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.

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.

Pension plans - LOYALTY PLAN

We want to thank you, but in cash.

And we will offer it year after year, for as long as you remain loyal to Bankinter and your pension plan1 or EPSV2. There are only two conditions and they are both very simple:

  • You must hold at least €30,000 in pension plans/EPSVs at the end of each year.
  • And you must have made contributions of €1,500 during the year if you have a pension plan, or of at least €1,500 if you have an EPSV.

Plan fidelidad para planes de pensiones o EPSV
Bonus
0,25% 
On the assets you have in your pension plans or EPSV at 31 December.

A top-up for your retirement

Discover our pension plans and EPSVs.

Pension plans

Conservative

BK Premium Moderado

Mixed equity fund that invests between 25% and 50% in global equity securities and the remainder of the portfolio in fixed income securities and money market assets, taking into account the ESG rating of the issuers.

Moderate

BK Premium Dinámico

Underpinned by the principles of sustainability in financial investments, this fund seeks to provide a return in the medium and long term appropriate to the risk assumed, investing between 50% and 75% in global equity assets.

Dynamic

BK International FP equity

A fund managed flexibly and actively, selecting the worldwide equities that provide the highest added value at each moment, based on the market situation and the existing economic situation.

BK Premium Conservador

The aim of this plan is achieve stable long-term returns, investing up to 25% in international equities based on both financial and sustainable criteria. The remainder of the portfolio is invested in global fixed income securities and money market assets.

BK Mixto 75 Bolsa

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

BK Variable America FP

American Equity Fund, investing principally through derivative financial instruments in the American stock market's main equity indices.

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 2 years.

BK Premium Defensivo

Recommended for investors who want to protect their investment, investing a minimum amount (5%-10%) in global equities and the remainder in fixed income and money market securities, based on socially responsible criteria.

BK Premium Agresivo

This fund invests more than 75% in global equities, selecting the assets that provide the greatest added value at any given time based on the market situation. The selection of securities respects sustainability criteria at all times.

EPSVs

Conservative

BK Inversión Mixta EPSV

An actively managed plan with a portfolio comprising up to 50% international with the rest being fixed income and money market assets.

Moderate

BK Bolsa Europa EPSV

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

Dynamic

BK Variable América EPSV

American Equity Plan, investing principally through derivative financial instruments in the American stock market's main equity indices.

Informes trimestrales sobre planes de pensiones

QUARTERLY REPORTS

We help you build your future.

View the latest pensions and EPSV quarterly report.

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 31.12.2022 or until the first 15,000 contributions have been set up. The maximum bonus-bearing balance is €1,0003.
5% the first year.
2% the second year.

Do the sums

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

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

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.

Características y ayuda sobre planes de pensiones

HOW DO PENSION PLANS WORK?

Complete information and help about pension plans and EPSVs.

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.
Rentas vitalicias
Renta vitalicia estabilidad futura

Future stability life annuity

If you want to ensure capital for your loved ones with guaranteed fixed-rate interest while taking advantage of tax benefits.
Renta vitalicia capital

Life annuity capital

If you want more regular income but your priority is to preserve 90%, 80% or 70% of your capital for your beneficiaries in the future.
Renta vitalicia capital fallecimiento decreciente

Decreasing on Decease Capital Annuity

If you want more fixed income for the rest of your life.
Renta vitalicia capital 50-0

50-0 Life annuity capital

If you are over 65 and want to benefit from tax exemptions for capital gains obtained from property transfers.

Bankinter listens

We are here to answer your questions and banking queries, provide technical support, etc.

Further information
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