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Pension plans
What is a pension plan?
It's a long-term savings product that delivers a future income to supplement your pension. Pension plans also offer tax benefits because all your annual contributions up to 1,500 euros are deductible from your taxable income.Different aims, different situations, different plans.
Premium plans
Life-cycle plans
Fixed-income plans
Equity plans
Mixed plans
Delegated management
Want to know the ins and outs of all our plans?
Do you want to find out everything about our sustainable products? Let's find out.
One-off contributions
Regular contribution
Pension plan transfer
It's time to transfer your pension plan.
- 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 01/07/2031.
Maximum bonus: 7.000€.
Do you know all the ways in which you can redeem your pension plan?
We take you through all the options and all the scenarios.
Got questions about pension plans?
Quickly find all the answers to your questions about pension plans: what they are, the benefits, etc.
Important information
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Show/Hide legal text1 Pension Plan Transfer: Offer valid from 01.05.2024 until 31.05.2024. The bonus is 4% gross for pension plan transfers equal to or greater than €50,000 and 3% gross for transfers from pension plans 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 1 July 2024 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 June 2024). If, in addition, the transfer is made to any of the Premium Range pension plans and remains in said range throughout the entire duration of the commitment, the customer will receive an additional 0,5% on the amount transferred. And an additional 0.5% if you also purchase a PIAS (Individual Systematic Savings Plan) through Bankinter and keep it for at least 12 months. The maximum bonus will be €7,000 gross. You must keep your Bankinter pension plan until 01.07.2031. 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 of the following pension plans: Bk Inversión Monetario, Bankinter Roboadvisor Conservador, Bankinter Roboadvisor Moderado, Bankinter Roboadvisor Dinámico and Planes de Pensiones de Empleo. 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.
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Show/Hide legal text2 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 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 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.