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Potentially lower
return. Lower risk
Potentially higher
return. Greater risk
The Bankinter pension plan for self-employed workers described below has a risk level of 3, on a scale of 1 to 7. Category “1” does not mean that the investment is risk-free.

The risk level of the BK Simplified Employment Plan for Self-Employed Workers is 3.​
The risk level of every Bankinter pension plan is described in detail on our website www.bankinter.com, which contains a specific section for each plan. You can check the risk level of your pension plan in the related prospectus, in compliance with order ECC/2316/2015.
 You may only cash in or surrender your plan if you are faced with any of the liquidity contingencies or exceptional circumstances stipulated in the regulations on pension plans and funds.
The value of the rights of transfer, pension benefits and exceptional liquidity circumstances depends on the market value of the pension fund assets and may result in significant losses.
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
Potentially lower
return. Lower risk
Potentially higher
return. Greater risk
The Bankinter pension plan for self-employed workers described below has a risk level of 3, on a scale of 1 to 7. Category “1” does not mean that the investment is risk-free.

The risk level of the BK Simplified Employment Plan for Self-Employed Workers is 3.​
The risk level of every Bankinter pension plan is described in detail on our website www.bankinter.com, which contains a specific section for each plan. You can check the risk level of your pension plan in the related prospectus, in compliance with order ECC/2316/2015.
 You may only cash in or surrender your plan if you are faced with any of the liquidity contingencies or exceptional circumstances stipulated in the regulations on pension plans and funds.
The value of the rights of transfer, pension benefits and exceptional liquidity circumstances depends on the market value of the pension fund assets and may result in significant losses.

Pension plans for self-employed workers

We're your partner for retirement because, as a self-employed person, every step counts for your well-being.

Take out a pension plan for self-employed workers

Pension planss for self-employed workers

We're your partner for retirement because, as a self-employed person, every step counts for your well-being.

This time, yes. A new pension plan that lets self-employed workers increase the amount they contribute to pension plans and get greater tax relief at the same time.

  • Improve your retirement without having to modify the contribution base.
  • Get tax relief of up to €5,750 on your personal income tax base.

The limit of €1,500 per year for contributions to individual plans remains the same.

With plans for self-employed workers you can contribute another €4,250 per year.

Combine both contributions and get tax relief of up to €5,750.1

1The limit to the reduction of your tax base will be the lower of: €5,750 or 30% of the combined net income from employment and economic activities received during the financial year.

BK SELF-EMPLOYED WORKERS – SIMPLIFIED EMPLOYEE PENSION PLAN

Introducing our exclusive pension plan for self-employed workers:

  • Moderate risk profile
  • Invests between 25% and 50% in international equities. The remainder in fixed income and money market assets.
  • Minimum contribution of €50.
SEE FACT SHEET Arrange about simplified employee pension plan

Make a little effort, but this time for yourself.

Flexibility in contributions

Improve your savings capacity by systematising your regular or one-off contributions. Treat it as another expense that you have no choice but to make.

And think about the tax advantages

Think that your effort will be rewarded in the next fiscal year, when you get tax relief on your personal income tax base.

 

Pension Plan Specialist Service: a telephone service with experts on hand to answer all your questions.

91 623 43 79

Everything you get with our plans:

  • A multidisciplinary team with expert knowledge of the markets.
  • Active, flexible and dynamic management capable of detecting all opportunities, whatever the level of risk exposure.
  • And, of course, the tax advantages offered by these plans.
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If you have any questions, we'll be happy to answer them.

See Who can take out this pension plan? Who can take out this pension plan?

  • Self-employed workers

  • Incorporated self-employed workers who carry out their activity in the company itself

  • Individual entrepreneurs with or without employees. If the self-employed person has employees, they can either take out this pension plan or alternatively promote and at the same time be a unit holder of a traditional employment plan, provided that it includes their workers, with contribution limits for the self-employed entrepreneur of €5,750 per year but €10,000 per year for their employees.

See Are the tax conditions the same as for an individual or employment pension plan? Are the tax conditions the same as for an individual or employment pension plan?

The treatment is the same but the contribution limit is different. 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.

Redemptions and benefits are taxed in the same way: as income from work.

See If I stop being self-employed, what happens to my plan? If I stop being self-employed, what happens to my plan?

From that moment, you will only be able to contribute €1,500 to an individual pension plan and keep the self-employed employment plan invested. In the year in which you become self-employed again, you will be able to make contributions to the plan for self-employed workers up to an annual limit of €5,750.

See Can I transfer my exclusive plan for self-employed workers to another plan? Can I transfer my exclusive plan for self-employed workers to another plan?

Yes, you can transfer it to other employment pension plans. If it is a unilateral decision by you as the unit holder, you can transfer it to other simplified employment pension plans for self-employed workers. If you are no longer a self-employed worker, you can move your vested rights to the employment pension plan of the promoting company in which you are a unit holder.

See What are the redemption options of the pension plan for self-employed workers? What are the redemption options of the pension plan for self-employed workers?

The redemption options of the pension plan for self-employed workers are the same as those for individual pension plans:

    • Retirement
    • Total permanent incapacity for the habitual profession
    • Absolute incapacity for all work or severe disability
    • Death

As with traditional plans, it also includes different liquidity scenarios:

  • Unemployment
  • Serious illness
  • As from 2025, you will also be able to obtain liquidity on contributions made more than 10 years ago.

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