Pension plans

Important information

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  ¹

  Pension plan transfer: Offer valid from 01/05/2025 to 30/06/2025. The 6% cashback bonus is for pension plan transfers of €60,000 or more, 5% for pension plan transfers of less than €60,000 but equal to or greater than €1,000. The bonus is payable on the net balance of all incoming and outgoing transfers requested during the promotion period. As an additional requirement for the transfer, you must set up a regular monthly contribution of at least €100 to your Pension or Retirement Plan, or alternatively supplement the transfer with a PIAS (Individual Systematic Savings Plan). If one of these requirements is not met, the bonus will be reduced by 0.5% (i.e.: 5.5% for transfers of €60,000 or more and 4.5% for transfers of less than €60,000). Both options must be effective between 01/05/2025 and 30/06/2025 and must be maintained for 12 months. It will be paid on 31 July 2025 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 July 2025). You must keep your pension plan at Bankinter until 31.12.2032. The maximum bonus will be €9,000 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: Bk Inversión Monetario, Bk Renta Fija Corto Plazo, Employment Pension Plans Roboadvisor series. 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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  ² 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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  ³ The maximum amount of the tax reduction in your tax base will be the lower of €5,750 or 30% of the sum of your net income from work and economic activities accrued during the tax year.
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  ⁴ 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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  ⁵ 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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  Fund 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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  Bankinter Pension Plans: 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 Entity of the Pension Funds is Bankinter, S.A. The key information document for unit holders is available at all Bankinter branches and on our website www.bankinter.com.
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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.