Savings and Investment

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  • Depósito Tesorería Empresas

Find out about the investment choices Bankia has thought of for you

We want bet by SMEs and the self-employed workers as you and offer you the better choices to make profitable your investments.


  • You are not alone. We place our team of experts at your disposal to assess you whenever you need.
  • A wide range of products adapted to the needs of investors.
  • You can keep your money in euros or foreign currencies, diversifying your funds internationally.
  • A guaranteed return on your funds, together with advantageous tax arrangements.

We place at your disposal different types of financing for your company or business

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    Term deposits

    In euros or in currencies, according to which need and with a guaranteed return.

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    Pension plans

    We know how important it is for you and your employees to have the peace of mind that your retirement is taken care of.

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    Investment funds

    We offer you a wide range of investment funds so that you can choose the one which best meets your needs.

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Bankia solutions

Digital tools for SMEs, a place that is constantly developing to help you grow.

  • What are the tax advantages of contributing 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 because the amount of the pension plan contributions is deducted from the general personal income tax assessment basis, as long as you obtain earned 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 that which is most beneficial 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 I receive payment from my pension plan?

    There are various ways to receive payment of the amounts saved in your pension plan, in the provisions. Your asset manager will advise you on which is the most beneficial to you for tax purposes. The ways of receiving payment are:

    • Capital: The provision is received in an only charge.
    • Financial incomes: You set the amount you wish to receive and the frequency of payment until all the accumulated capital has been paid out. 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 you receive are fixed and contracted with an insurance company, which guarantees payment of the income in the previously established period. The conditions of this income cannot subsequently be modified.
    • Collections without regular frequency: The money is available in the form of payments without an established frequency.
    • Mixed: A combined provision is received, partly in capital and partly in financial income. The combination of the way of receiving payment can be freely modified.
  • How can I 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.

  • 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.

  • Business contributions:

    These are financial contributions made by promoters of Pension Plans in the employment system.

  • 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.