Pension Services

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.

Advantages of the Pension Service

  • 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: direct debit for your bills into your account.
    • Free Bankia credit card for the account holder making at least one purchase a year. Except cards: Iberia (Sendo and Max), VíaT, Gasóleo, Business, Profesional, Platinum, Infinite and Comercio.
    • Tarjeta Dorada Renfe card (MasterCard) debit or credit type starting 60 years, with discounts on train tickets and also other free services of interest such as Advanced Legal Protection with Legálitas, Orientation Service and Second Medical Opinion Insurance.
    • Discounts on insurance of the home.
    • Free activities and special offers at the best prices to help you make the most of your free time. A whole world of senior advantages within your reach.


    Overdraft facility for pension service holders who are up to date with payments, to pay for direct debits and debit purchases. In the case of ATM cash withdrawals the limit of the account overdraft cannot exceed € 200. 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 of contracting 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 Form for having your pension paid directly into your account (PDF, 577 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.


  • Prize draw of 120 prizes of€1,000 only for having direct billing your pension

    We started the year by doing away with fees and now we want you take part in a prize draw for 120 prizes of € 1,000 just for having your salary, pension or bill payments with Bankia.

    • Customers who have their salary or pension paid directly into their Bankia account: 2 points for the prize draw.
    • Customers who have direct debit payments from their Bankia account: 2 points for the prize draw.
    • Customers who pay bills through our digital channels or at ATMs: 1 point for the prize draw.

    We already have the winners (PDF, 639 kB)of the second prize draw for having your salary or pension paid into your Bankia bank account in 2015.

    What are you waiting for? Have your salary or pension paid into your account or set up standing orders and start winning.

    * Promotion valid from 1/3/16 to 31/8/16 and from 1/9/16 to 28/2/17 consisting of two draws (6/10/16 and 4/4/17 respectively) of 60 prizes of € 1,000 each for individual customers who have their salary (≥ € 450) or pension (≥ € 200) paid directly into their account, or arrange to change their direct debits through the Direct Debit Change Service, or they set up direct debits or pay their bills through the Oficina Internet, Oficina Móvil or enabled ATMs. The cash prize is subject to capital gains tax, which will be deducted from the prize amount.Consult the Terms and Conditions of the promotion (PDF, 118 kB).