We use first and third-party cookies for analytical and statistical purposes and to show you personalised advertisements based on a profile compiled from your browsing habits (e.g. pages visited). For more information, click on our Cookie Policy. You can accept all cookies by pressing 'Accept' or personalise your choice by clicking on MANAGE OR REJECT COOKIES.
For your retirement
Tick, tock... Tick, tock... Tick, tock... Are you really going to leave it for another day?

Retirement The sooner, the better.
It's not the amount that matters but your constancy.
Allocating some of your saving capacity to retirement products will soon turn that small monthly saving into a sizeable amount. Slowly but surely, little by little.The sooner you start, the smaller the monthly amount.
With so little effort you'll hardly notice it. But if you let the years roll by, you'll need to make a greater effort and larger contributions to reach the same goal.Never think it's too late.
No matter how old you are, it will always be a good option. Our wide range of retirement products cater for every stage of life.Different products, different complementary benefits.
Pension plans and EPSVs
- Contributions to pension plans represent direct savings and reduce your annual income tax base by up to €8,000.
- When the time comes to redeem them, you'll be able to access your savings in the form of a lump sum, an annuity or a combination or both.
- You can make regular or one-off contributions to get the most advantageous tax treatment at the end of the year.
Savings plan
- Complete liquidity 15 days after you set it up.
- You don't pay any tax while you're investing.
- You can choose between a lump sum or a life annuity.
- If you choose the life annuity, from the fifth year onwards you won't pay any tax on the returns.
- It includes life insurance.
- This is a unit-linked life-savings insurance product, which can result in the loss of the invested capital because it is the policyholder who assumes the risk of the investment.
A few minutes today is peace of mind tomorrow
State pension calculator
Enter your age, years worked and gross salary to get a reliable estimate of your state pension.Pension plan calculator
All it takes is a few details and minutes to plan your retirement.Pension plan redemption calculator
Find out the redemption options of our pension plans using real data.Important information
-
Show/Hide legal text1 Investment funds: Fund manager: Bankinter Gestión de Activos. Guarantor and depositary: Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches, on our website bankinter.com and on the website of the Spanish National Securities Market Commission (www.cnmv.es).
The fund manager of the IIC is Bankinter Gestión de Activos, S.A., S.G.I.I.C., located at Calle Marqués de Riscal 11 bis and registered with the CNMV under registration no 55. The fund’s depositary is Bankinter, S.A., located at Paseo de la Castellana 29 and registered with the CNMV under registration no 27.
-
Show/Hide legal text2 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 pension fund depository is Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches and on our website www.bankinter.com.
-
Show/Hide legal text3 EPSV: Bankinter EPSV Individual Retirement Plan: Promoter Partner: Bankinter, S.A.: Manager: Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.
-
Show/Hide legal text4 PIAS: Systematic Individual Savings Plan (PIAS) offered by Bankinter Seguros de Vida, S.A. de Seguros and sold by Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29, 28046 Madrid, entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds, belonging to the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures incorporating into Spanish law several directives of the European Union concerning public procurement in certain sectors: private insurance; pension plans and funds; tax and tax litigation. private insurance, pension plans and funds, taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions listed here.
Individual systematic savings plans (PIAS) are high-risk financial products that can generate losses as well as profits. The key investor document is available on our website bankinter.com.
-
Show/Hide legal text5 Shares: To check the risk indicators and details about shares, please go to www.bankinter.com/broker
-
Show/Hide legal text6We'll pay you a bonus if you set up new regular contributions of at least €50 per month to funds, pension plans, EPSVs or individual systematic savings plans, or allocate at least €250 per month to buy shares. Valid for customers who have not set up or made regular contributions to the product in the past 12 months.Investment funds: Fund manager: Bankinter Gestión de Activos. Guarantor and depositary: Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches, on our website www.bankinter.com and at the CNMV.
Pension plans: The 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. The prospectus and key information document are available at all Bankinter branches and on our website www.bankinter.com.
You can check the risk indicators and liquidity alerts for pension plans at https://www.bankinter.com/banca/ahorro-inversion/jubilacion.
PIAS: Systematic Individual Savings Plan (PIAS) offered by Bankinter Seguros de Vida, S.A. de Seguros and sold by Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29, 28046 Madrid, entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds, belonging to the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures incorporating into Spanish law several directives of the European Union concerning public procurement in certain sectors: private insurance; pension plans and funds; tax and tax litigation. private insurance, pension plans and funds, taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions listedhere. Individual systematic savings plans (PIAS) are high-risk financial products that can generate losses as well as profits. The key investor information document is available on our website www.bankinter.com.
Shares: You can check the risk indicators and details about shares at https://www.bankinter.com/broker
-
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.