Servicio Pensión

Because at Bankia we think about you and how to make your day-to-day life easier, we offer you specific solutions for your needs. Have your pension paid directly into your account and it enjoys big advantages and discounts.

Pension Service Benefits

  • The Pension Service you offers the advantage of accessing different products with special conditions:

    • We waive all fees if you have your pension paid directly into your account.
    • Overdraft serviceto the value of 70% of the pension to a maximum of €800.
    • Bring forward the date your pension is paid in to the 25th of each month (contributory pensions, General Scheme of the INSS).
    • Mobile Alerts Service free of charge (includes first 50 text messages sent in the six-month period, additional messages: €0.15 per message + VAT).
    • Free management: to switch your direct debit payments to your account.
    • Free Bankia credit card for the product holder just by making one purchase a year with it. Excluding Iberia (Sendo and Max), Vía T, Gasóleo, Business, Professional, Platinum, Infinite and Business cards. Otherwise the cost is €34.
    • Tarjeta Dorada Renfe card (MasterCard) debit or credit type starting from 60 years, with discounts in tickets of train and other interest services as a Legal Protection Advanced with Legálitas, Orientation and Insurance Service of Segunda Opinión Médica.
    • Discounts on insurance policies for your home.
    • Free activities and special offers at the best prices to help you make the most of your free time. A whole world of benefits for senior citizens within your reach.


    Overdraft facility for pension service holders who are up to date with payments, to pay for direct debits and debit purchases. The account overdraft limit cannot exceed €200 for ATM cash withdrawals. The overdraft facility includes a 15-day waiver of the overdue balance claim fee. After that period, if the overdraft has not been settled, an overdue balance claim commission of €35 will be charged.

    Home insurance brokered by BANKIA MEDIACIÓN Operador de Banca-Seguros Vinculado, S.A.U. (NIF A-40148884) and registered office at Pº Castellana 189, 28046 Madrid. Registered in the special administrative registry of insurance brokers of the Directorate-General for Insurance and Pension Funds with the code OV-0034. Insurance agency contracts signed with Mapfre España, Mapfre Global Risks and Bankia Mapfre Vida. Financial liability insurance and financial capacity covered according to current legislation.

Terms and Conditions for acquiring the service

    • The Pension Service offers the advantage of having access to different products in special conditions, providing the pension is € 200 or more.

How to have your pension paid directly into your account

  • It's easy to have your pension paid directly into your account. Just complete the details of the following Pension direct deposit form (PDF, 195 KB) including the number of account Bankia in which wants that the deposit is made.

    Remember to print, sign and hand in the document to a Social Security Institute Help and Information Centre.

50 prizes of 1,000 euros

  • Life is easier when you've got benefits to enjoy

    Pay your bills by direct debit and participate in the prize draw* for 50 prizes of 1,000 euros.

    • Customers who have their salary or pension paid directly into their Bankia account: 2 POINTS.
    • Customers who set up direct debit for a bill: 2 POINTS for each bill.


    *Promotion valid from 01/03/18 to 01/10/18 and from 10/10/18 to 30/03/19, consisting of two prize draws (on 07/11/18 and 07/05/19, respectively) of 25 prizes of €1,000 each. Open to individual customers who have a minimum salary or pension paid into their Bankia account (salary ≥ €450 or pension ≥ €200), or who arrange to switch their direct debit bills to Bankia either using the Direct Debit Switching Service, Bankia online, the Bankia app or ATMs with this service enabled. Prize draw subject to points being obtained in accordance with the following criteria: for having your salary or pension paid directly into your Bankia account, 2 points. For every bill that is set up to be paid by direct debit, either using the direct debit switching service, Bankia online, the Bankia app or ATMs, 2 points. The cash prize is subject to capital gains tax, which will be deducted from the prize amount. For further information, see the Terms and conditions filed with a notary (PDF, 129 KB) for the terms and conditions of the promotion. Also available at Bankia branches.