Banco Sabadell Individual Systematic Savings Plan (PIAS)
The life-savings insurance policy
Open your savings plan
Open your savings plan
Your money, always available
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If you prefer liquidity
Save for your retirement with a flexible plan suited to you
The Banco Sabadell Individual Systematic Savings Plan (PIAS) is a life-savings insurance policy to complement other products such as a pension or benefit plan. Maximise your long-term savings for as little as €30 a month.
Be aware of the 100% guaranteed return on your plan from the outset
This plan entails a guaranteed and increasing return in keeping with the accumulated balance. You can also draw down some or all of your savings, at any time and without any penalties.
An individual savings plan with diversified investment
Invests in short-term fixed income. With tax benefits! If the product is collected as a lifelong savings scheme, the return generated during the payment of the premiums is exempt from taxation.
The keys to your Individual Systematic Savings Plan
Guaranteed return
Save with greater peace of mind by being aware of the return on your plan from the outset.
Flexible savings
Decide when and how much you wish to contribute to your plan. For as little as €30 per month, with a limit of €8,000 per year and €240,000 accumulated per insured.
100% available
Draw down all or part of your balance whenever you wish, without any penalties or fees.
Tax benefits
The income generated during the collection of the premiums is not taxed if it is received in the form of a lifelong savings scheme.
Guaranteed return
Save with greater peace of mind by being aware of the return on your plan from the outset.
Flexible savings
Decide when and how much you wish to contribute to your plan. For as little as €30 per month, with a limit of €8,000 per year and €240,000 accumulated per insured.
100% available
Draw down all or part of your balance whenever you wish, without any penalties or fees.
Tax benefits
The income generated during the collection of the premiums is not taxed if it is received in the form of a lifelong savings scheme.
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Your Individual Systematic Savings Plan, ready in just 3 steps
A Banco Sabadell manager will assist you in obtaining a return on your savings by means of your PIAS savings plan.
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Find out more about the Individual Systematic Savings Plan (PIAS)Find out more about the Individual Systematic Savings Plan (PIAS)
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Discover other ways of saving for your retirement with Banco Sabadell
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Sabadell Future Plans
The plans that suit your age
Investment managementin keeping with your risk profile.
Change from variable to fixed income when you retire.
Tax benefits, pay less in your tax return.
Get your plan
Individual Pension Plans(IPP)
To plan your savings with a view to your retirement
For customersseeking long-term returns.
Decide when and how much to contribute to the plan that suits you best.
Tax benefits, pay less in your tax return.
Subscribe to your plan
Secured Pension Plans
A guaranteed return you’re aware of in advance
If you have a conservative profile and you’re close to retirement.
Capital for your beneficiaries in the event of your death.
Tax benefits, pay less in your tax return.
Open your plan
Lifelong Savings schemeReceive extra income each month
One of the products with the best tax features for your savings.
Receive a fixed income each month to supplement your pension.
Suitable for people over 60 years of age.
Make an appointment
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Are you a resident of the Basque Country?
Are you close to retirement age?
Individual Pension Plans (PPSI)
Save with long-term profitability in order to enjoy the peace of mind of being able to supplement your state pension.
I want an Individual Pension Plan
Are you between 37 and 55 years old?
Sabadell Future Pension
Find out more about the Individual Pension Plans that adapt your investment as you approach retirement.
I want to subscribe to Sabadell Previsión Futuro
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Manage your domestic finances with the Personal Finance service
The clearest and easiest way of organising your domestic finances. Access your BS Online and check all the information about how much money you have and what you’ve spent it on.
Log into Personal FinanceLog into Personal Finance
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The advantages of digital banking with the best of an expert bank
1 Products contractable only by residents in Spain.
The insured pension plans and individual systematic savings plans are life insurance from BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with NIF A08371908 and address at calle Isabel Colbrand, 22, 28050 Madrid, registered in the R.M. of Madrid and in the Registry of Insurance Entities of the DGSyFP with code no. C-0557. Insurance mediated by BanSabadell Mediación, Banking-Insurance Operator Linked to the Banco Sabadell, S.A. Group, NIF A-03424223, with address at avda. Óscar Esplá, 37, 03007 Alicante, registered in the R.M. of Alicante and in the Special Administrative Register of Insurance Brokers of the DGSyFP with code number OV-0004, having subscribed a civil liability insurance in accordance with the provisions of the regulations of distribution of private insurance and reinsurance in force at all times. You can check the insurance companies with which BanSabadell Mediación has entered into an insurance agency contract on the website www.bancsabadell.com/bsmediacion.
Individual Pension Plans: Managing Entity BanSabadell Pensiones, E.G.F.P., SA. NIF A58581331 and address at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the R.M. of Madrid and in the Registry of Managing Entities of the DGSyFP, with code no. G-0085. Depositary entity: BNP Paribas, S.A., branch in Spain, with NIF W0011117-I and registered office at Calle Emilio Vargas, 4, Madrid, registered in the Special Registry of pension fund depository entities of the DGSyFP. with code D-0197.Entity that promotes and markets pension plans: Banco de Sabadell. S.A. with NIF A08000143 and address at av. Óscar Esplá., 37, 03007 Alicante, registered in the Mercantile Registry of Alicante and in the DGSyFP, with code D-0016.
The document with the fundamental information for the participant is available to the public at Banco Sabadell offices, as well as on the bank's website www.bancosabadell.com/pensiones.
Life Annuity is a life-savings insurance, subject to the terms and conditions contracted in the policy, of BanSabadell Vida, S.A. de Seguros y Reaseguros, with NIF A08371908 and address at calle Isabel Colbrand, 22, 28050 Madrid, registered in the R.M. of Madrid and in the Registry of Insurance Entities of the DGSyFP, with code C-0557, and mediated by BanSabadell Mediación, Banca-Seguros Linked Operator of the Banco Sabadell Group, S.A., NIF A03424223, address at Avda. Óscar Esplá, 37 , 03007 Alicante. Registered in the R.M. of Alicante and in the Special Administrative Reg. of Insurance Brokers of the DGSyFP, code number 0V-0004, acting for Bansabadell Vida S.A. of Insurance and Reinsurance and having subscribed a civil liability insurance in accordance with the provisions of the regulations for the distribution of private insurance and reinsurance in force at any time.
You can check the insurance companies with which BanSabadell Mediación has entered into an insurance agency contract on the website www.bancosabadell.com/bsmediacion.
You have at your disposal the Fundamental Data Document (DDF), on the web www.sabadellvida.com or at any of our offices, with the aim of knowing clearly, simply and concisely the characteristics of these products, in order to that you can compare them with other products and assess our offer.
Voluntary Social Welfare Entity: BanSabadell Previsión, individual EPSV, NIF number V-95120671, and registered office at Avenida de la Libertad, 21, 20004 Donostia-San Sebastián. Registered in the Mercantile Registry of Gipuzkoa, and in the EPSV Registry of Euskadi under number 227-G. Promoter partner: BanSabadell Vida, S.A. of Insurance and Reinsurance, with NIFA08371908 and address at c/ Isabel Colbrand, number 22, 28050 Madrid. Registered in the R.M. of Madrid and in the DGSyFP, with code C-0557.
Consult the Investment policy, statutes, agreements adopted in the general assembly, the regulations of the associate defender of BanSabadell Previsión, Individual EPSV and the policy of integrating ESG risks in investments.
Entity in charge of managing the assets of the EPSV: Sabadell Asset Management, S.A., S.G.I.I.C., with NIFA08347684 and address at calle Isabel Colbrand, 22, 28050 Madrid. Registered in R.M. of Madrid and in the Register of Collective Investment Institution Management Companies of the National Securities Market Commission under number 58.