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. 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.
  • 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.

  • 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.