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Pension Plan

Prepare for your future with a flexible pension plan. And if you’ve already started saving and transfer your pension plan to ABANCA, you can get up to a 4% cash bonus.
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Make smart decisions today and make a difference in your future

Up to 4%

If you already have a pension plan, bring it to ABANCA and get a bonus of up to 4%.

A plan for the future

Your retirement may seem far away, but the smart thing to do is to start planning your future now.

Contribute and save

Adjust your contributions according to your needs, we help you calculate the tax effects, save on your income tax return…

Up to 4% for bringing your plan(1)

If you’ve 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.

Bring your pension plan and if you meet some very simple conditions, we can offer you up to a 4% bonus.

Contribute to your plan and save at your own pace

You can make regular and one-off contributions from the app. It's very simple! If you prefer, schedule an appointment and we'll help you plan what's best for your future. Here are the advantages of contributing to your plan:

  • You reduce your taxable income on your tax return.
  • You save for your future.
  • You choose the monthly amount you want to contribute.

The smart thing is to have a plan

There is a different way to plan your future. What if you invest in tomorrow's freedom? If you sign up for one of our plans, you will have:

  • Personalized advice.
  • The flexibility to make contributions whenever you want (up to the annual limit).
  • Receive the benefit in advance in case of unemployment or serious illness. You will be able to access the contributions you have made to your pension plan, as long as they are more than 10 years old.
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The smart thing is to think now about a plan for the future

Our pension plans are the best option to start saving young, gain tax advantages, and take control of your future
More information

How many years do you have left until retirement? And how much will you receive?

Answer a couple of questions and get an approximate calculation of when you will retire and how much you will receive.

01

What is your gross annual income?

Include your salary and any bonuses

Este campo es obligatorio.
02

How old are you now?

Drag the slider to indicate your age

03

At what age did you start contributing?

04

Your employment status is...?

Select your contribution base

Which group do you belong to?

05

How much have you already saved for your pension?

Add up what you have already set aside for pension plans, deposits, and savings products for your retirement.

Con estos datos ya puedes hacer tu simulación. Pero aún puedes ajustar más el cálculo si lo deseas. Precisa tus cotizaciones.

Los campos marcados con "*" son obligatorios.

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    You will then receive what would now be equivalent to about {{ formatMoney retirement_monthly_wage }} €/month

    You will gain You will lose 0%

    ...although you can reduce this loss by saving. The more you save, the better.
    ...just by saving {{ formatMoney month_rate }} €/month.
    Enhorabuena, porque la diferencia entre tu salario final y tu jubilación, si todo va bien, será positiva. Pero un plan de pensiones puede mejorar tu calidad de vida y la de los tuyos, o darte más seguridad frente a los cambios del futuro.

    Explora tus opciones de ahorro en tu oficina

    This simulator provides purely informative data based on estimates and economic projections, which in no case can be considered binding for ABANCA. If you are considering saving through pension plan contributions, keep in mind that there are legal limits to annual contributions to these products. Get more information at your branch.

    Examples of the taxation of your pension plan

    As you already know, pension plans not only allow you to save money in the long term to enjoy during your retirement, but they also let you save money every year when filing your income tax return. You can save up to €450 for every €1,000 you contribute to your Plan. Here's an example, but keep in mind that these figures are calculated for a salaried worker without children, residing in Galicia, and the amounts may vary depending on the autonomous community where you live and your type of taxable income.


    General Taxable BaseAnnual ContributionTax Savings
    < 25.000€1000€299 € (29,90%)
    < 25.000€1500€431 € (28,73%)
    < 50.000€1000€369 € (36,90%)
    < 50.000€1500€554 € (36,93%)

    Simulation carried out taking into account exclusively the reported salary and the pension plan balance, and applying them to the general IRPF scale. Depending on the autonomous community and the client's personal data, the final tax impact may vary slightly.

    About ABANCA pension plans. You can consult the liquidity alerts, risk indicator, main features of the pension plans, and the Key Information Documents at any ABANCA branch or on this same website.

    Cecabank, S.A. Pension Fund Depository Entity. ABANCA Corporación Bancaria S.A. Promoter and distributor of individual pension plans. ABANCA Vida y Pensiones de Seguros y Reaseguros, S.A., Pension Fund Management Entity.

    (1) About the 4% promotion. Program valid for effective transfers from other entities to certain ABANCA Individual Pension Plans made until September 30, 2026. Pension plans included in the promotion: ABANCA Renta Fija Mixta Conservador, ABANCA Renta Fija Mixta Moderado, ABANCA Renta Variable Mixta Dinámico, ABANCA Renta Variable, ABANCA Renta Variable Dividendo PP and ABANCA Renta Variable Crecimiento PP.

    Cash bonus payment. For tax purposes, this bonus is considered investment income (subject to Personal Income Tax) and is subject to withholding according to current tax regulations. A gross 4% will be paid for effective transfers from other entities of amounts equal to or greater than €50,001 with a 6-year commitment; a gross 3% for transfers of amounts equal to or greater than €20,001 with a 6-year commitment; a gross 2% for transfers of amounts equal to or greater than €5,001 with a 6-year commitment; and a gross 1% for lower amounts with a 5-year commitment. In all cases, the bonus limit is €5,000 gross. This promotion is not compatible with other Pension Plan promotions.