Get to Know Our EPSVs
Advantages of our EPSVs
Advisory Service
Save on your tax return
Flexible
Voluntary Social Welfare Entities (EPSV) are savings instruments designed to help you supplement your public pension, efficiently plan your retirement, and enjoy your benefits when you retire. Exclusive to the Basque Country, at ABANCA we also offer preferred occupational social welfare plans for the self-employed.
Visit one of our offices and we will tell you about the option that best suits your needs:
Bring your Individual EPSV
Up to 4%(2) for your EPSV
If you have already started saving for your retirement, it's because you want the best for your money, and that's why at ABANCA we have something for you. Transfer your EPSV to Bankoa ABANCA Individual EPSV and get up to 4% (maximum APR 0.82%)(3) of the transferred amount by meeting a few simple conditions.
For the self-employed: Preferred Employment Social Welfare Plans
If you are self-employed, you have access to an interesting option to plan for your future and obtain tax benefits: the Preferred Occupational Pension Plans. These plans are specifically designed to help you save efficiently and securely while benefiting from significant reductions on your income tax return (IRPF).
If you are self-employed, you can contribute up to a maximum of €9,000 per year, which you can deduct from your income tax: individually up to €5,000 and as a self-employed worker, up to an additional €4,000.
Discover our lifecycle strategy, designed so that your investments automatically adapt as you get older. From a dynamic investment, moving through a moderate one, to a conservative approach, we adjust the level of risk as you get closer to retirement. But that's not all—you have the option to choose this strategy or select from our different investment categories regardless of your age. This way, you have complete control over your financial decisions.
Secure the best for your future and enjoy the peace of mind that comes with smart and flexible financial planning.
Book an appointment and find all the information about your retirement and your expected returns.
Social Welfare Entity: Bankoa ABANCA Lan, Employment EPSV registered in the EPSV Registry of the Basque Government with number 0256-G. You can consult the legal documents of the EPSV at any ABANCA branch or at abanca.com/es/legal/epsv/. Promoting Partners: Official Chamber of Commerce, Industry and Services of Álava, Official Chamber of Commerce, Industry, Services and Navigation of Bilbao, and Official Chamber of Commerce, Industry and Navigation of Gipuzkoa. Manager: ABANCA Vida y Pensiones de Seguros y Reaseguros, S.A.U. (sole proprietorship). The Depositary Entity is Cecabank S.A.
You can consult the legal documents of BANKOA ABANCA INDIVIDUAL EPSV at any ABANCA branch or at abanca.com/es/legal/epsv/. ABANCA Corporación Bancaria S.A. is a Promoting Partner and ABANCA Vida y Pensiones de Seguros y Reaseguros, S.A. (sole proprietorship) is the Manager of Bankoa ABANCA INDIVIDUAL EPSV. The Depositary Entity is Cecabank S.A.
(1) This estimate is calculated for an employee residing in the Basque Country with a marginal IRPF rate of 49%.
(2) Regarding the 4% promotion. Promotion valid until January 31, 2027 . Bankoa ABANCA INDIVIDUAL EPSV is an exclusive product for residents in the Basque Autonomous Community.
(3) APR 0.82% for a maximum transfer of €125,000 to Bankoa ABANCA Bolsa and a minimum holding period of 5 years. For other transfers over €125,000, maximum bonus of €5,000.