ESPV transfers

Important information

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  ¹

  Transfer your EPSV: Offer valid from 01/10/2024 to 31/01/2025. The minimum amount to be transferred is €1,000. The bonus is 5% (0.98% AER calculated over 5 years) for pension plan transfers of €60,000 or more; 4% (0.79% AER calculated over 5 years) for pension plan transfers below €60,000 but of at least €1,000; and 2% (0.40% AER calculated over 5 years) if the transfer is made to the Bk Dinero pension plan. 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, with the resulting bonus to be as follows: 5.5% (1.08% AER calculated over 5 years) for Pension Plan transfers of €60,000 or more; 4.5% (0.88% AER calculated over 5 years) for Pension Plan transfers below €60,000 but of at least €1,000; and 2.5% (0.50% AER calculated over 5 years) if the transfer is made to the Bk Dinero Pension Plan. 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 Bankinter EPSV Individual Retirement Plan 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.

  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 retirement plan stated above or the redemption of your vested/economic rights, you will be obliged to return the total gross amount of the bonus received.

  EPSV Loyalty Plan:  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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  ² 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 here.
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  Retirement 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.