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EPSV retirement plan
What are EPSVs?
EPSVs - Voluntary Social Welfare Entities - are long-term savings products. They offer you future income to complement your state pension.Premium plans
Life-cycle plans
Fixed-income plans
Equity plans
One-off contributions
Regular contribution
Transferring EPSVs
It's time to transfer your EPSV.
- 4% for transfers of €50,000 or more.
- 3% for transfers of less than €50,000 (minimum €1,000).
- An additional 0,5% if the transfer is to any plan in the Premium range and you keep it in that range for the duration of the commitment.
- Additional 0.5% if you also purchase a Bankinter PIAS2 and keep it for at least 12 months. PIAS Gestión Dinámica is a life-savings insurance policy under the unit linked method. This product may entail losses on the capital invested. because it is the policyholder who assumes the risk of the investment.
Minimum commitment: until 31/12/2030.
Maximum bonus: 7.000€.
Do you know all the ways you can redeem your EPSV?
We take you through all the options and all the scenarios.
Do you want to find out everything about our sustainable products? Let's find out.
Do you have any questions about EPSVs?
Find out the answers to all your questions about ESPVs: what they are, the benefits, etc.
Información de Interés
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Show/Hide legal text1 EPSV Transfer: Offer valid from 01.03.2024 until 30.04.2024. The bonus is 4% gross (0.79% APR calculated over 5 years) for pension plan transfers of at least € 50,000 and 3% gross (0.59% APR calculated over 5 years) for pension plan transfers if the amount is less than €50,000 and equal to or greater than €1,000 of the net balance of incoming and outgoing transfers requested during the promotion period. It will be paid on 31 May 2024 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 May 2024). If, in addition, the transfer is made to any of the EPSVs in the Premium Range and remains in that range throughout the commitment period, or if you purchase a Systematic Individual Savings Plan (PIAS) through Bankinter, you will get an additional 0.5% on the transferred amount: 4.5% gross (0.88% AER calculated over 5 years) for transfers of retirement plans equal to or greater than €50,000, or 3.5% gross (0.69% AER calculated over 5 years) for transfers of retirement plans equal to or greater than €1,000 but less than €50,000. If both conditions are met (transfer to EPSV in the Premium Range and purchase of PIAS), you will get an additional 1% on the transferred amount: 5% gross (0.98% AER calculated over 5 years) for transfers of retirement plans equal to or greater than €50,000, or 4% gross (0.79% AER calculated over 5 years) for transfers of retirement plans equal to or greater than €1,000 but less than €50,000. You must keep your Bankinter EPSV Individual Retirement Plan until 31.12.2030. The maximum bonus payable is €7,000. This offer does not apply to transfers to the BK Dinero Retirement Plan. 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.
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Show/Hide legal text2 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 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.
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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.
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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.