Pension plan finder

Our pension plan finder gives you immediate access to all Bankinter pension plans so you can easily compare them and choose the one that suits you best. You can start by searching by name or product type. If you want to refine your search further, the filters will help you narrow down the choices to your personal profile.

It's as simple as that.

• Start with the entire range

  Access the full range of available plans and browse freely through all the options.

• Filter according to your preferences

  Personalise your search with filters for:

  • Geographical area: choose which markets you want to invest in.
  • Investment type: fixed income, equities, mixed...
  • Risk level: from the most conservative to the most dynamic profiles.

• Tailored results

  The finder will only show you plans that meet your criteria, so you don't waste time with options that don't suit you.

• Compare and decide with complete confidence

  Select your favourites and the finder will compare all the details. This will help you to assess each plan before you make your decision.

Yes, of course. Bringing your pension plan to Bankinter is a quick, simple and fully online process.

How does the process work?

We make it very easy for you. The transfer is done in three steps:

• Choose your destination plan

  Decide if you want to move your savings to a plan you already have with Bankinter or if you prefer to open a new one. You choose the option that best suits your goals.

• Identify the plans you want to transfer

  You can do this in two ways:

  • Manually, by entering the details of your current plans.
  • Automatically, by connecting with your other bank through our secure system and directly selecting the plans you want to transfer. That way is faster and easier.
• Confirm and sign the request

  State whether the transfer will be total or partial, check the details and sign the request digitally. It's that simple!

No, Bankinter won't charge you any fees for transferring your pension plan.

A plan transfer usually takes between 7 and 10 days.

Although both products are geared towards investing your money, they aren't designed for the same purpose. If your goal is to plan for the long term, think about the future and benefit from tax advantages, a pension plan is probably the best option for you.

• The goal

  • Pension plan: Designed to build long-term savings with a focus on retirement. It will help you maintain a consistent strategy aligned with your financial future.
  • Investment fund: More flexible and useful for different goals (diversifying, taking advantage of opportunities, saving in the medium/long term), without a specific focus on retirement.

• Tax advantages: much better with pension plans.

  • Contributions to pension plans can reduce your taxable income for personal income tax purposes, which represents a potential tax saving today.
  • There are no tax deductions for investment funds (their advantage is tax deferral: you don't pay tax on them until you redeem them).

• Access and discipline

  • Pension plan: You redeem your plan when you retire or in special circumstances (disability, dependency, death, long-term unemployment, serious illness and, since 2025, contributions made at least 10 years ago). This structure helps you to be disciplined about saving.
  • Investment fund: Liquidity at any time (according to fund policy). While this offers flexibility, it may make it difficult for you to maintain the fund in the long term.

• Which profile does each product suit best?

  • If you prioritise long-term saving, tax advantages today and investment discipline, a pension plan may be a good fit for you.
  • If you're looking for flexibility and access, you might prefer an investment fund.

Important risk warning

Investing in pension plans and investment funds entails a risk because they may fluctuate in value and they don't guarantee a return. There is a chance that you may get back less than you invested. You should consider the risk profile and investment policy very carefully before you subscribe to these products.

Yes, of course. There's no limit to the number of pension plans you can take out. You can have as many as you need. In fact, taking out several plans can be a very smart strategy to build your retirement savings.

Why you might be interested in having more than one plan

• Diversification for your future

  Each pension plan has its own level of risk and investment style (fixed income, mixed, equities…). Combining them allows you to:

  • Tailor your portfolio to your goals.
  • Balance the risk and potential return.
  • Adapt to changes in your life or in the markets.

• Flexibility to evolve over time

  You can adjust your plans as you get closer to retirement: start with more dynamic options and then, if you want, move to more conservative profiles. Having multiple plans gives you room to better organise your strategy.

• If you are self-employed, even more advantages

  Self-employed individuals can combine:

  • An individual pension plan
  • A self-employed pension plan

The key is that you can add the contribution limits of both products together, which increases your tax savings and maximises your retirement savings.

Yes, you can continue contributing to your pension plan even after you've retired, but only if you haven't already started receiving payments from it for the purpose of retirement.
That's crucial.

When can I continue making contributions?

According to prevailing legislation, you can continue making contributions provided that you haven't already started receiving payments from your plan for retirement.
In other words, if you've retired but haven't redeemed any plan for this purpose, you can carry on making contributions as normal.

What if I've already started receiving payments from my plan?

If you have already started receiving payments from a plan (in full or in part) due to retirement, you can't continue making contributions for that same purpose.
After that point, you can only make contributions for death or dependency, not for retirement.

What if I have multiple plans?

The law states that you cannot be both a unit holder and a beneficiary for the same contingency at the same time:

• If you start receiving payments from a plan for the purpose of retirement, you will no longer be able to make contributions to another plan for that same contingency.
• However, you can make contributions if they are intended for other contingencies such as death or dependency.

Are there still tax advantages?

Yes. As long as you meet the requirements (especially if you haven't started claiming payments), you can continue to benefit from the reduction in personal income tax for the contributions you make.

In a nutshell

• You can still make contributions once you've retired, provided that you haven't already redeemed the plan for retirement purposes.
• If you have already started receiving payments from it, you will only be able to make contributions for other contingencies (death or dependency).
• The regulations seek to prevent someone from being both a beneficiary and a contributor for the same contingency.

It's a simple and effective way to multiply your savings capacity while taking advantage of the tax benefits offered with each option.

Although both are long-term savings products designed to help you supplement your retirement, they are not the same. The key differences are where they are available, how they are regulated and what tax advantages they offer.

• Region: Where they are available

  • Pension plans: these are available throughout Spain.
  • EPSVs (Voluntary Social Welfare Entities): these products are only available in the Basque Country and only for tax residents of that region.

• Regulation: Who supervises them

  • Pensions plans: These are supervised by the General Directorate of Insurance and Pension Funds (Ministry of Economy).
  • EPSVs: These are regulated and controlled by the Basque Government since they have their own regime and their own legal entity.

• Taxation: This is one of the points where they differ the most.

  Both options have tax benefits, but EPSVs have a more advantageous regime for residents of the Basque Country.

  • In the Basque Country, EPSVs allow higher contributions with specific tax advantages: up to €5,000 per year for individual plans.
  • Pension plans are subject to the general tax regime of the rest of the country.

• Nature of the product

  • Pensions plans are financial savings instruments linked to pension funds.
  • EPSVs are provided by non-profit entities in which the unit holder becomes a partner. The structure is similar to that of a social welfare cooperative.

• Access and redemption

  Both products are geared towards saving for retirement and they share similar contingencies (retirement, death, disability). However, EPSVs have differed historically regarding redemption flexibilities—especially in the Basque Country—regulated by their own rules.

  In a nutshell

  • If you don't live in the Basque Country, a pension plan is the product for you.
  • If you live in the Basque Country, EPSVs usually offer more tax advantages and a well-established model regulated by the regional government.
  • Both products come with a risk and they are both geared towards saving for retirement, but they each operate within their own legal and tax framework.

If you die, the money in your pension plan passes directly to your named beneficiaries, without being considered inheritance.

The beneficiaries can:

• Redeem it whenever they want (there is no mandatory deadline).
• Choose how to receive it: as a lump sum, a regular income or a mixture of both.

Regarding taxes:

• It is not subject to inheritance tax.
• However, the beneficiary will have to declare it as earned income on their tax return for the year when they redeem it.

If you don't name any beneficiaries, the order of beneficiaries, in the absence of one or another, will be as follows: spouse (not legally separated), children in equal parts, parents in equal parts and legal heirs.