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Potentially lower
return. Lower risk
Potentially higher
return. Greater risk
On a scale of 1 to 7, the risk level of Bankinter Pension Plans varies between 2 and 6. Category “1” does not mean that the investment is risk-free.
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
On a scale of 1 to 7, the risk level of Bankinter Pension Plans varies between 2 and 6. Category “1” does not mean that the investment is risk-free.
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.

For your retirement

Tick, tock... Tick, tock... Tick, tock... Are you really going to leave it for another day?

We're not being pessimistic, just recognising a fact a life. It worries us because we know that one of these days we're going to have to think seriously about our retirement. But we always think that day is tomorrow, not today. The truth is, once you get down to it, it's not that difficult and it doesn't take long. Plus, you know that in the long term, you're going to be glad you did it.
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Retirement The sooner, the better.

There's one thing you need to get straight right now: if you want to maintain your present standard of living when you retire, you need to do something about it now. It's not a question of allocating large sums to your retirement fund, but committing to setting something aside every month so it becomes just another expense, like paying your utility and phone bills. When you view it like that, everyone can do it.

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.

From today, you have one more reason.

If you invest in funds,1 pension plans,2 EPSVs,3 individual systematic saving plans,4 or shares,5 we'll give you a bonus for setting up new regular contributions of at least €50 per month to these products, or for setting aside at least €250 every month to buy shares.

Valid for customers who have not set up or made regular contributions to the product in the past 12 months.

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First year: 5%
Second year: 2%
Bonus until 31.12.2023 or until the first 15,000 contributions are activated. The maximum bonus-bearing balance is €1,000. Terms and conditions apply.6
Is Spain's pension system sustainable?
How do I save for my retirement?

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.
Can I retire at 61? And at 63?

A few minutes today is peace of mind tomorrow

Do the maths with our tools.

State pension calculator

Enter your age, years worked and gross salary to get a reliable estimate of your state pension.
Find out more about state pension calculator

Pension plan calculator

All it takes is a few details and minutes to plan your retirement.
Find out more about Pension plan calculator

Pension plan redemption calculator

Find out the redemption options of our pension plans using real data.
Find out more about Pension plan redemption calculator

Important information

Bankinter listens

We are here to answer your questions and banking queries, provide technical support, etc.
Further information
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