Pension plans

Pension plans

A one
  • Contributions to plans

Now, with your contribution to your Pension Plan at a Bankia branch, you will receive a one-year subscription to Amazon Prime.

Discover our Pension Plans and save for your retirement by making small monthly contributions. Furthermore, now with a contribution to your Pension Plan* at a Bankia branch, receive a one-year subscription to Amazon Prime* * so that you can enjoy all its advantages:

 

  • Quick and unlimited deliveries at no additional cost.
  • Online series and films with Prime Video.
  • And many more advantages, such as: Free unlimited photo storage, exclusive access to Prime Music, Amazon Music Unlimited, Amazon Reading, etc.

You help to choose your plan

Select your age bracket and we'll offer you the plans that best suit your profile

  • Under 50

    If you are under 50, these are the plans for you

    • Bankia Bolsa Española

      Category

      Equities

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      7.1

      A 21/02/2019

      • 2019

        7.1

      • 2018

        -10.2

      • 2017

        8.49

      • 2016

        -0.5

      • 2015

        1

      • 2014

        6.81

      • 2013

        34.2

      • 2012

        0.95

      • 2011

        -10.16

      • 2010

        -14.6

      • 2009

        34.73

      • 2008

        -38.03

      • 2007

        8.57

      • 2006

        31.95

    • Bankia Dinámico

      Category

      Mixed variable income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      5.83

      A 21/02/2019

      • 2019

        5.83

      • 2018

        -9.38

      • 2017

        6.99

      • 2016

        -0.1

      • 2015

        4.17

      • 2014

        2.02

      • 2013

        12.7

      • 2012

        7.8

      • 2011

        -8.08

      • 2010

        2.7

      • 2009

        19.17

      • 2008

        -32.84

      • 2007

        -0.59

      • 2006

        7.97

      • 2005

        10.85

      • 2004

        2.57

      • 2003

        6.82

      • 2002

        -23.66

      • 2001

        -14.44

      • 2000

        -2.25

      • 1999

        6.88

      • 1998

        26.57

    • Bankia Flexible

      Category

      Mixed variable income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      4.33

      A 21/02/2019

      • 2019

        4.33

      • 2018

        -7.42

      • 2017

        4.71

      • 2016

        -0.34

      • 2015

        2.12

      • 2014

        1.97

      • 2013

        9.81

      • 2012

        7.66

      • 2011

        -6.3

      • 2010

        3.03

      • 2009

        10.57

      • 2008

        -23.6

      • 2007

        1.09

      • 2006

        5.51

      • 2005

        8.46

      • 2004

        2.95

      • 2003

        5.3

      • 2002

        -15.77

      • 2001

        -8.47

      • 2000

        -0.27

      • 1999

        5.83

  • Between 50 and 60

    If you are between 50 and 60, these are the plans for you

    • Bankia Flexible

      Category

      Mixed variable income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      4.33

      A 21/02/2019

      • 2019

        4.33

      • 2018

        -7.42

      • 2017

        4.71

      • 2016

        -0.34

      • 2015

        2.12

      • 2014

        1.97

      • 2013

        9.81

      • 2012

        7.66

      • 2011

        -6.3

      • 2010

        3.03

      • 2009

        10.57

      • 2008

        -23.6

      • 2007

        1.09

      • 2006

        5.51

      • 2005

        8.46

      • 2004

        2.95

      • 2003

        5.3

      • 2002

        -15.77

      • 2001

        -8.47

      • 2000

        -0.27

      • 1999

        5.83

    • Bankia Moderado

      Category

      Mixed fixed income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      2.19

      A 21/02/2019

      • 2019

        2.19

      • 2018

        -4.34

      • 2017

        2.63

      • 2016

        0.22

      • 2015

        1.85

      • 2014

        2.23

      • 2013

        5.57

      • 2012

        3.8

      • 2011

        -1.99

      • 2010

        1.67

      • 2009

        6.13

      • 2008

        -9.68

      • 2007

        0.18

      • 2006

        2.03

      • 2005

        5.48

      • 2004

        3.75

      • 2003

        4.59

      • 2002

        -4.87

      • 2001

        -2.55

      • 2000

        -0.61

      • 1999

        3.83

      • 1998

        11.67

      • 1997

        12.17

      • 1996

        15.47

      • 1995

        12.83

      • 1994

        -2.68

      • 1993

        14.91

      • 1992

        8.78

      • 1991

        10.49

      • 1990

        11.23

      • 1989

        10.47

    • Bankia Cauto

      Category

      Mixed fixed income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      1.49

      A 21/02/2019

      • 2019

        1.49

      • 2018

        -4.33

      • 2017

        0.63

      • 2016

        -0.78

      • 2015

        0.79

      • 2014

        0.58

      • 2013

        5.16

      • 2012

        2.42

      • 2011

        0.03

      • 2010

        -1.74

      • 2009

        5.79

      • 2008

        -4.42

      • 2007

        0.01

      • 2006

        0.74

      • 2005

        3.25

      • 2004

        2.46

      • 2003

        3.81

  • Over 60

    If you are over 60, these are the plans for you

    • Bankia Moderado

      Category

      Mixed fixed income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      2.19

      A 21/02/2019

      • 2019

        2.19

      • 2018

        -4.34

      • 2017

        2.63

      • 2016

        0.22

      • 2015

        1.85

      • 2014

        2.23

      • 2013

        5.57

      • 2012

        3.8

      • 2011

        -1.99

      • 2010

        1.67

      • 2009

        6.13

      • 2008

        -9.68

      • 2007

        0.18

      • 2006

        2.03

      • 2005

        5.48

      • 2004

        3.75

      • 2003

        4.59

      • 2002

        -4.87

      • 2001

        -2.55

      • 2000

        -0.61

      • 1999

        3.83

      • 1998

        11.67

      • 1997

        12.17

      • 1996

        15.47

      • 1995

        12.83

      • 1994

        -2.68

      • 1993

        14.91

      • 1992

        8.78

      • 1991

        10.49

      • 1990

        11.23

      • 1989

        10.47

    • Bankia Cauto

      Category

      Mixed fixed income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      1.49

      A 21/02/2019

      • 2019

        1.49

      • 2018

        -4.33

      • 2017

        0.63

      • 2016

        -0.78

      • 2015

        0.79

      • 2014

        0.58

      • 2013

        5.16

      • 2012

        2.42

      • 2011

        0.03

      • 2010

        -1.74

      • 2009

        5.79

      • 2008

        -4.42

      • 2007

        0.01

      • 2006

        0.74

      • 2005

        3.25

      • 2004

        2.46

      • 2003

        3.81

    • Bankia Renta Plus

      Category

      Fixed income short term

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      50

      Annual return

      0.11

      A 21/02/2019

      • 2019

        0.11

      • 2018

        -1.52

      • 2017

        -0.44

      • 2016

        -0.32

      • 2015

        0.25

      • 2014

        3.04

      • 2013

        3.33

      • 2012

        3.99

      • 2011

        2.28

    • Bankia Moderado

      Category

      Mixed fixed income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      2.19

      A 21/02/2019

      • 2019

        2.19

      • 2018

        -4.34

      • 2017

        2.63

      • 2016

        0.22

      • 2015

        1.85

      • 2014

        2.23

      • 2013

        5.57

      • 2012

        3.8

      • 2011

        -1.99

      • 2010

        1.67

      • 2009

        6.13

      • 2008

        -9.68

      • 2007

        0.18

      • 2006

        2.03

      • 2005

        5.48

      • 2004

        3.75

      • 2003

        4.59

      • 2002

        -4.87

      • 2001

        -2.55

      • 2000

        -0.61

      • 1999

        3.83

      • 1998

        11.67

      • 1997

        12.17

      • 1996

        15.47

      • 1995

        12.83

      • 1994

        -2.68

      • 1993

        14.91

      • 1992

        8.78

      • 1991

        10.49

      • 1990

        11.23

      • 1989

        10.47

    • Bankia Flexible

      Category

      Mixed variable income

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      4.33

      A 21/02/2019

      • 2019

        4.33

      • 2018

        -7.42

      • 2017

        4.71

      • 2016

        -0.34

      • 2015

        2.12

      • 2014

        1.97

      • 2013

        9.81

      • 2012

        7.66

      • 2011

        -6.3

      • 2010

        3.03

      • 2009

        10.57

      • 2008

        -23.6

      • 2007

        1.09

      • 2006

        5.51

      • 2005

        8.46

      • 2004

        2.95

      • 2003

        5.3

      • 2002

        -15.77

      • 2001

        -8.47

      • 2000

        -0.27

      • 1999

        5.83

    • Bankia Bolsa Euro

      Category

      Equities

      Risk level

      • 1
      • 2
      • 3
      • 4
      • 5
      • 6
      • 7

      Smaller Risk

      Major Risk

      Initial Investment

      30

      Annual return

      7.69

      A 21/02/2019

      • 2019

        7.69

      • 2018

        -12.89

      • 2017

        6.04

      • 2016

        -8.54

      • 2015

        4.62

      • 2014

        5.25

      • 2013

        22.82

      • 2012

        12.6

      • 2011

        -13.75

      • 2010

        0.96

      • 2009

        39.91

      • 2008

        -43.2

      • 2007

        -0.56

      • 2006

        19.76

      • 2005

        18.27

      • 2004

        11.8

      • 2003

        19.43

If you wish consult our catalogue of Sa Nostra Life, go to the list.

What pension plan you interests? Use the calculator

Tax advantages of the pension plans

Everything that you have know on plans

  • Advantages of contracting a plan

    Do plans today is the best way of having an untroubled future.
    ¿Sabes que las aportaciones a Planes de Pensiones pueden suponerte un ahorro fiscal de entre el 24 % y el 43 %?You know that the contributions to Pension Plans can suppose you a fiscal saving out of 24% and 43%?

  • You have doubts with the pension plans?

    The Pension Plans determine the right of people that in him are integrated, to receive incomes or capitals for retirement, survival, widowhood, orphanhood or disability.

  • How can charge my retirement plan?

    The shareholder of a pension plan can choose freely when and how wants charge the pension plan, with complete flexibility, choosing between any of ways of charge that they exist at your disposal.

Female with notepad. Bankia Without Commissions

Look for a pension plan? Finds your better plan

*Bankia and Sa Nostra Compañía de Seguros de Vida, S.A. are the Promoting Entities of the pension plans. Bankia Pensiones and Sa Nostra Compañía de Seguros de Vida, S.A. are the Managing Entities (pension plans). Surnepensión EPSV is the Voluntary Social Welfare Entity. Bankia, Cecabank and Bankinter are the Depository Institutions.Rules deposited before a notary at your disposal (PDF, 699 kB). Subject to tax in accordance with prevailing tax legislation. Associated and Employment System Pension Plans are excluded. Customers must fill in and sign the application form for the promotional gift at their Bankia branch before 31/01/2020 (inclusive). Moreover, in order to dispatch the promotional gift, participants must accept, by signing the acceptance note, that the consolidated right of all the Client’s pension plans at Bankia, as Marketing Entity of the same, at the date of assignation of the promotional gift, shall not be reduced as a result of transfers to banks other than Bankia Pensiones EGFP S.A., or Sa Nostra Compañía de Seguros de Vida or as a result of the payment of the benefit in a form other than financial and/or guaranteed income and that the joint amount of systematic plans with regular contributions established are not cancelled or their amounts are not reduced, until 36 months from the effective date of delivery of the promotional gift. Promotion: one-year subscription to Amazon Prime. Promotion valid for new systematic plans with regular contributions signed between 01/02/2019 and 31/12/2019. See conditions at your branch. The Key Investor Information Document about the plans can be requested free of charge and can be viewed in www.bankiapensiones.es, in www.sanostravida.esand in the marketer's offices. The current cost of Amazon Prime without promotion is €36.

 

** In order to subscribe to Amazon Prime, you must exchange your promotional code at Amazon Prime and accept the General Terms and Conditions. Your subscription to Amazon Prime will be renewed automatically. The subscription fee will be charged at the time of renewal, plus applicable taxes. You can cancel it at any time by visiting "My Account" and changing your subscription settings. If you don't have a payment method associated to your account, you will be asked to provide a valid payment method when you subscribe. Amazon Prime promotional codes cannot be transferred or exchanged for money. For more information on Amazon Prime, visit Amazon.es/prime. Amazon.es is not the organiser or sponsor of this promotion.

You are living in the Basque Country?

  • How can contract a pension plan?

    On our website of the Pension Plans portal, within the Saving and Investment section, you will find all the information you need.

    Through our simulator, depending on your age, your saving capacity and your return expectations, you can find out which plans best suit your needs and proceed with the sign-up process via Bankia Online.

    If you prefer, you can also visit a Bankia branch.

  • What tax advantages have the contributions carried out to pension plans?

    A pension plan can offer significant savings on tax payments. which will be greater the higher the income of the participant. This saving is made possible because the amount of the contributions can be deducted from the general base of your Personal Income Tax, as long as you earn income from work or economic activities.

    The annual contribution limit is 8,000 euros and the tax deduction limit is the lesser of the following amounts: the amount paid in or 30% of net earnings from work and economic activities during the financial year. Additionally, if your spouse does not receive earnings from work or economic activities or earns less than 8,000 euros a year, you will be able to deduct from your general personal income tax assessment basis the contributions to pension plans of which your spouse is the titleholder up to a maximum of 2,500 euros a year.

    Once you begin to receive payments from your pension plan, the amounts you receive (benefits) are considered as earned income for tax purposes and the shareholder/taxpayer must declare them on their income tax return.

    Given that the way of receiving payments is flexible it is important that you take advice on which is most beneficial to you for tax purposes. In the event of the death of the titleholder of a pension plan, the beneficiaries will pay tax on the amounts received as earned income on their personal income tax statement. They are not subject to Inheritance and Gift Tax.

    This information is in accordance with the current legislation and may be modified in the future.

  • How can charge my pension plan?

    There are various ways to receive payment of the amounts saved in your pension plan. We recommend that before deciding on one of them, you take advice on which is the most beneficial for you in terms of taxation. The ways of receiving payment are:

    • Capital: received in a single payment.
    • Financial incomes: the amount is fixed that it wishes receive and the frequency until the end of the accumulated capital. In this way, you benefit from the interest that continues to be generated by the unconsumed capital in the pension fund. This formula can be adapted to your financial needs at any particular time, as it allows you to freely modify the amounts and the frequency of payment.
    • Insured incomes: the amounts that receives are fixed and they hire with a company insurer, which him guarantees the charge of the income in the term previously set. The conditions of this income cannot subsequently be modified.
    • Collections without regular frequency: the money is had in the shape of payments without an established frequency.
    • Mixed: the combined provision, a part is charged in the shape of capital and another in the shape of financial incomes. The combination of the way of receiving payment can be freely modified.
  • Open (Fund):

    A type of pension fund characterised by being able to channel the investments of other pension funds. For its constitution it does not require an initial minimum capital for its correct financial development.

  • Defined contribution:

    Type of Pension Plan in terms of the stipulated obligations, in which the defined object is the amount of the promoters' contributions and, where applicable, the contributions of participants. The contribution can be established in absolute terms or depending on other variables such as wages, business flows, Social Security contributions or others. In this type, the provisions are quantified at the time of producing the contingency, as a consequence of the capitalisation process developed by Plan.

  • Contributions:

    They are the financial contributions that will be made by the promoter and/or participants, in the cases and ways that, in accordance with the current regulations, are established in the respective pension plan.