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Banco Sabadell Individual Pension Plans

Savings to supplement your pension
Apply for your pension plan
Apply for your pension plan
You decide how and when to make your contributions
Access in Basque
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Tax benefits

Make deductions in your tax return with our individual pension plans
If you live in the Basque Country, we can offer you an individual pension plan with which you can save up to 47%1 in your tax return. Our experts will help you to choose the one that best suits your needs.
 Get your pension plan
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Save for your retirement

Apply for your pension plan and obtain the standard of living you’re looking for
A wide range of plans for customers seeking long-term returns. Start saving as soon as possible and get the perfect supplement to your pension when you retire.
 Subscribe to your pension plan
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Choose how to contribute

Establish your own routines and obtain extra capital for your retirement
Make regular or one-off contributions to your pension plan for as little as €30 to increase your capital. And, if you need to, you can draw down your money in advance of your retirement2. 
 Start saving for your retirement

Get your individual pension plan

A variety of plans
A wide range of pension plans to supplement your retirement.
Tax benefits
Tax savings of up to 47%1 in your next income tax return.
Flexibility
Regular or one-off contributions for as little as €30.
Accumulated savings
Supplement your state pension and obtain the standard of living you’re looking for.
A variety of plans
A wide range of pension plans to supplement your retirement.
Tax benefits
Tax savings of up to 47%1 in your next income tax return.
Flexibility
Regular or one-off contributions for as little as €30.
Accumulated savings
Supplement your state pension and obtain the standard of living you’re looking for.
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Your individual pension plan, ready in just three steps

Fill in this form with your details and apply for the pension plan that suits you best. If you aren’t a customer, open your Sabadell Online Account  in just ten minutes via your mobile.

A manager will contact you to enable you to subscribe to the individual pension plan best suited to your needs and risk profile.

Once you’ve subscribed to your pension plan, you’ll be able to start saving regularly so as to enjoy the retirement you want.
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Find out more about Banco Sabadell’s Individual Pension Plans
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BS Pentapensión, PPSI
Invest by combining a predominant position in public and corporate debt in euros. Plan regulations Reglamento del plan .

Plan data sheet
Mixed fixed income
With an active presence of around 25% of the portfolio in shares of companies listed mainly in the eurozone, property investments and venture capital.
Exposure to non-euro currencies fluctuates at around 15%.
Active presence in property investments and venture capital.
Get your plan

BS Previsión Monetaria, PPSI
For stable progression in short-term interest rates. Plan regulations Reglamento del plan .

Plan data sheet
Short-term fixed income
Duration less than 24 months.
To invest in assets with good credit quality.
 Combine shares of public and private institutions.
Open your plan
BS Plan 15, PPSI
With 15% of the portfolio allocated to eurozone companies.  Plan regulations Plan regulations .

Plan data sheet
Mixed fixed income
With an active presence of around 15% of the portfolio in shares of companies listed mainly in the eurozone, property investments and venture capital.
Exposure to non-euro currencies fluctuates at around 10%.
Combine investment and property and risk assets.
 I want this plan
BS Previsión 60, PPSI
A portfolio with a core position fixed in variable income set at 60%. Plan regulations Plan regulations .

Plan data sheet
Mixed variable income
Up to 75% in shares of companies listed mainly in the eurozone, property investments and venture capital.
The rest of the investment is made in fixed income such as bonds and deposits.
It is actively managed in keeping with market expectations.
Get your plan
BS Plan Renta Variable, PPSI  
Under-valued and high-dividend opportunities are pursued. Plan regulations Plan regulations .

Plan data sheet
Variable income
Shares in actively-managed European companies.
Investment in stocks under-valued by the market.
Search for countries with stock market appreciation potential.
Subscribe to your plan

Employment Pension Plans
Integrated into Voluntary Welfare Institutions (EPSV).
Supplementary pension systems in the Basque Country.
Promoted by a company or public institution for the benefit of its employees.
Their function is to cover pension commitments.
Request your plan
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Other Banco Sabadell Individual Pension Plan (PPSI) solutions
Sabadell Previsión Futuro (PPSI)
The plan that adapts to your age
Progressive shift from variable income to fixed income investments as you approach retirement.
Remain always up to date on the plan’s investment strategy.
Active and dynamic management to ensure that you don’t have to worry.
Major tax benefits in your next tax return.
Request your plan
Find out more
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The advantages of digital banking with the best of an expert bank
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Legal conditions
1 The maximum per annum reduction in the general personal income tax base in the common territory and Navarre will be the lower amount of either the contribution made or 30% of the total sum of the net income from employment and economic activities according to the tax rules in force. In the special regional tax legislation of the Basque Country, the maximum limit for per annum reduction of the taxable base in personal income tax is €5,000 for individual contributions, €8,000 for company contributions and a joint limit of €12,000 for personal contributions and company contributions. 
 
2 In accordance with the regulations, the money in the pension plan can be collected when one of these other contingencies occurs:  
 
Permanent incapacity or disability for work.  
Dependence.  
Death.  
Serious illness.  
Long-term unemployment 
Voluntary Welfare Institution: BanSabadell Previsión, EPSV individual, Tax ID number V-95120671, with its registered offices at Avenida de la Libertad, 21, 20004 Donostia-San Sebastián. Registered in the Mercantile Register of Gipuzkoa and in the Euskadi EPSV Register under no. 227-G. Promoting partner: BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at C/ Isabel Colbrand, 22, 28050 Madrid. Registered in the Mercantile Register of Madrid and in the DGSyFP under code no. C-0557.  

 
Voluntary Welfare Institution: BanSabadell Previsión Empresas, EPSV de Empleo, with Tax ID number V-75161638 and its registered offices at Avenida de la Libertad, 21, 20004 Donostia-San Sebastián. Registered in the Mercantile Register of Gipuzkoa and in the Euskadi EPSV Register under no. 283-G. Promoting partner: BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at C/ Isabel Colbrand, 22, 28050 Madrid. Registered in the Mercantile Register of Madrid and in the DGSyFP under code no. C-0557.  

View the investment policy, the articles of association, the resolutions passed by the general assembly, the composition of the Governing Bodies, the identity of the Entity’s Auditors, the Annual Accounts with the Directors' Report, the plan regulations, the monthly file and the regulations of the associate ombudsman of Bansabadell Previsión Empresas, E.P.S.V. de empleo.
 
Sabadell Asset Management, S.A., S.G.I.I.C., with tax ID no. A08347684 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid. Registered in the Mercantile Register of Madrid and in the Register of Management Companies of Collective Investment Institutions of the National Securities Market Commission under number 58. 
 
 
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