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Retirement
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I want to plan my retirement
Pension plans
Planning your future: an investment for you.
Having a pension plan and making contributions to it allows you to benefit from tax savings during the years you work and to supplement your state pension with an additional sum of money when you retire.
If you want, we can help you find the pension plan that best suits your investment profile.
If you live in the Basque Country we have a wide range of EPSVs designed specially for you.
PIAS (individual systematic savings plan)
Life annuities
Life-savings insurance that guarantee you a periodic income for life.
PIAS: life-savings insurance through the unit linked method where the policyholder is the party who assumes the investment risk.
I want to do the maths
State pension calculator
Retirement savings calculator
Pension plan and EPSV redemption simulator
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Analysis, market and profitability reports
How do pension plans and EPSVs work?
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Useful information
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Pension Plan Transfer: Offer valid from 01/10/2024 to 31/01/2025. The minimum amount to be transferred is €1,000. The bonus will be 5% for transfers of pension plans amounting to at least €60,000; 4% for transfers of pension plans where the amount is below €60,000 but at least €1,000; 2% if the transfer is made to the Bk Money Market or Bk Short-Term Fixed Income plans; or 1% if the transfer is made to the Bk Plan for Self-Employed Workers. The bonus is payable on the net balance of all incoming and outgoing transfers requested during the promotion period. A further 0.5% bonus will be granted if, in addition to and at the same time as the transfer, the customer also sets up, for the first time, a monthly periodic contribution to their pension plan of €100 or more, or if they supplement the transfer by taking out a Systematic Individual Savings Plan (PIAS). Either of these requirements must be met between 01/10/2024 and 31/01/2025 and then maintained for 12 months: It will be paid on 28 February 2025 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 February 2025). You must keep your pension plan at Bankinter until 31/01/2032. The maximum bonus will be €8,000 gross. 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 to the following pension plans: Bankinter Roboadvisor Conservador, Bankinter Roboadvisor Moderado and Bankinter Roboadvisor Dinámico.
If during the commitment period you reduce your vested/economic rights at the bonus date of this campaign, whether through the total or partial transfer to another bank, the transfer of the excluded pension plans stated above or the redemption of your vested/economic rights, you will be obliged to return the total gross amount of the bonus received.
Loyalty Plan Pension Plans: Annual bonus of 0.25% of the assets in your individual pension plans at year end, provided that your assets are equal to or greater than €30,000 and are held 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 text2 Simplified pension plan for the self-employed: Contributions to a pension plan for self-employed workers are deducted from the personal income tax base up to whichever of the following amounts is the lowest: €5,750 or 30% of the combined net income from employment and economic activities received during the financial year.
Simplified pension plan for the self-employed: The unit holder key information document is available at bankinter.com. The promoter of the plan is the Colegio de Economistas de Albacete, with TIN Q0261001B. 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 text3 Loyalty Plan Pension Plans: Annual bonus of 0.25% of the assets in your Individual Pension Plans at year end, provided that your assets are equal to or greater than €30,000 and are held 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 assets in your Bankinter EPSV Individual Retirement Plan at year end, provided that your assets are equal to or greater than €30,000 and are held 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 text6 Systematic Individual Savings Plan (PIAS) of Bankinter Seguros de Vida S.A. de Seguros y Reaseguros marketed and sold by Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29, 28046 Madrid, entered in the Madrid Companies Register at volume 1857, sheet 220, page 9643, with Tax ID Number A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds, attached to the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid) (http://www.dgsfp.mineco.es) under code OV-0028. The bancassurance operator has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures incorporating into Spanish law several directives of the European Union concerning public procurement in certain sectors; private insurance, pension plans and funds, taxation and tax litigation. This is a high-risk financial product and its value may rise or fall. The bancassurance operator has entered into insurance agency agreements with the institutions listed here. The key investor information document is available at https://www.bankinter.com/banca/ahorro-inversion/inversion/plan-de-ahorro.
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Show/Hide legal textLife risk insurance offered by Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros and sold through Bankinter, 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 ID 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), 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.
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Show/Hide legal textThe key information document for unit holders is available at all Bankinter branches and on our website bankinter.com
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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 textFund Dissolution and Liquidation: In compliance with the provisions of Article 15.3 of Legislative Royal Decree 1/2002, of 29 November, which approves the consolidated text of the Regulation of Pension Plans and Funds Act and of Article 62.3 of Royal Decree 304/2004, of 20 February, which approves the Regulation of Pension Plans and Funds, the pension fund BK REVALUATION EUROPE 2022, F.P. (F1174) has been dissolved and liquidated due to the absence of integrated pension plans. The dissolution and liquidation resolution was adopted by BANKINTER SEGUROS DE VIDA, S.A. DE SEGUROS Y REASEGUROS, in its capacity as manager and promoter of the pension fund, on 7 March 2024, and by BANKINTER, S.A. in its capacity as depository of the fund.
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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. The Pension Fund Manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.