matricula-202300266-7-3-10847
Get to know our products for Personal
Bank accounts Bank cards Mortgages Personal loans and credits Savings Investment Retirement Insurance Renting Cars
Become a customer and create your account1 in less than 10 minutes with your mobile
Open your account online
1 View information document on fees
Branch finder Online appointment
Help Center Contact Security
matricula-
matricula-
matricula-
matricula-

Banco Sabadell Individual Pension Plans, IPP

Plan the retirement you deserve 

Subscribe to your pension plan Subscribe to your pension plan 
You decide how much you contribute
matricula-

Transfer your pension plan to Banco Sabadell


Bring your pension plan with a minimum amount of €4,000 from another bank by December 31, 2024 and we’ll give you a bonus of up to 6% on the amount transferred with a 9 year commitment1
Transfer your pension plan
matricula-
Tailored to you

A wide range of pension plans that suit your needs 

Plan your retirement and get a long-term return. Our experts will help you to choose the pension plan that best suits your age, goals and risk profile. Subscribe to it 100% online, from the comfort of your own home. 
Get your pension plan
matricula-
Tax benefits

Save for your retirement and pay less in your tax return 

The annual contributions that you make reduce the taxable base of your income from work in the same year. For example, if you contribute €1,500 over a year, you can save up to €705 in your tax return. 
 
Subscribe to your pension plan
matricula-
Save effortlessly

Choose your plan and decide how and when to make your contributions  

Make the most of your pension plan by making regular contributions of as little as €30! Set aside some of your monthly income to it and your savings will grow progressively.
Empieza a ahorrar para tu jubilación

The keys to your individual pension plan 

A variety of plans
A wide range of plans to enable you to choose the one that suits you best.
Tax benefits
Tax savings totalling up to 47% in your tax return.
Flexibility
For as little as €30. You decide when and how to make your contributions.
Advice
Our experts help you choose a plan according to your age and risk profile.
A variety of plans
A wide range of plans to enable you to choose the one that suits you best.
Tax benefits
Tax savings totalling up to 47% in your tax return.
Flexibility
For as little as €30. You decide when and how to make your contributions.
Advice
Our experts help you choose a plan according to your age and risk profile.
matricula-

Your individual pension plan, ready in just 3 steps

Enter your customer area and subscribe to your plan. If you aren’t a customer, open your Sabadell Online Account  in just ten minutes via your mobile.

Choose the plan that best suits your age, goals and risk profile. And rely on the help of our experts whenever you need it.

Once you’ve chosen your pension plan, sign your digital contract and start saving regularly so as to enjoy the retirement you’re looking for.

matricula-

Find out how much you can save for your retirement 

matricula-

Don’t you have a pension plan yet? The earlier you start, the easier it will be to build up savings for your retirement. 

matricula-
Accumulated capital and savings achieved
If you subscribe to your pension plan at the age of 35 
Total annual contribution: €1,500.  Capital accumulated upon retirement: €67,057.  Maximum tax savings in the first year: €468. 
Accumulated capital and savings achieved
If you subscribe to your pension plan at 50 years of age 
Total annual contribution: €1,500.  Capital accumulated upon retirement: €30,342.  Maximum tax savings in the first year: €468.
matricula-
Cálculos orientativos suponiendo (i) una rentabilidad del 2% TAE en planes de pensiones individuales y; (ii) manteniendo el mismo nivel de aportaciones indicado hasta la edad legal de jubilación. Cálculos meramente orientativos que en ningún caso constituyen compromiso alguno por parte de la entidad gestora de fondos de pensiones, por lo que no tienen ningún carácter contractual. Ahorro fiscal obtenido considerando los porcentajes mínimo y máximo de retención en el IRPF para 2022. Dicho importe vendrá determinado, en cada caso concreto, en función de la base imponible del titular del plan y de la comunidad autónoma donde resida el mismo. Debe tenerse en consideración que el límite máximo de reducción de la base imponible del IRPF que se puede aplicar es la menor de las siguientes cantidades: a) 1.500 € (aportación anual máxima permitida) y b) el 30% de la suma de los rendimientos netos del trabajo y de actividades económicas percibidos en el ejercicio (límites que varían en la normativa foral del País Vasco y Navarra).
matricula-202200364-5-4-8957

Find out more about Banco Sabadell’s Individual Pension Plans 

matricula-

BS monetary plan

Invest in public and private assets with maturities of less than 24 months. Monthly report Monthly report

View the composition of the fund portfolio. View the composition of the fund portfolio.
Short-term fixed income 
Risk profile 1/7. 
If you have a conservative profile and you don’t want to invest in the stock market.  If you prefer peace of mind to potentially obtaining high returns. 
Get your planGet your plan

BS Fixed Income Plan 

Invest in long-term fixed income securities in euros. Monthly report Monthly report .

View the composition of the fund portfolio View the composition of the fund portfolio. .
Long-term fixed income
Risk profile 2/7. 
A conservative plan with slightly more risk than the one with short-term fixed income. 
If you want to invest in a product that preserves capital over the long term. 
Get your planGet your plan

BS Plan 15

Combines fixed and variable income securities with a weighting of 15% - 20% for the latter. Monthly report Monthly report

View the composition of the fund portfolio. View the composition of the fund portfolio.
Mixed fixed income 
Risk profile 2/7. 
Aim for higher returns without any excessive risks by investing one part in the stock market to benefit from appreciation.
With a predominant position in public and corporate debt in euros. 
Apply for your plan 

BS Ethical and Solidarity Plan

Predominantly fixed income positions with a maximum of 30% variable income. Monthly report Monthly report  

View the composition of the fund portfolio. View the composition of the fund portfolio.
Mixed fixed income 
Risk profile 3/7. 
Aim for higher returns without any excessive risks by investing one part in the stock market to benefit from appreciation. 
With a predominant position in public and corporate debt in euros. 
It goes beyond the ethical criteria of Intermon-Oxfam and BanSabadell Pensions. 
Apply for your plan 

BS Pentapensión 

With a limit on variable income totalling up to 25% of the portfolio. Monthly report Monthly report .

View the composition of the fund portfolio. View the composition of the fund portfolio.
Mixed fixed income 
Risk profile 3/7. 
Aim for higher returns without any excessive risks by investing one part in the stock market to benefit from appreciation. 
With a predominant position in public and corporate debt in euros.  
Get your plan 

BS Pension 60 

Greater investment in variable income with higher expected returns. Monthly report Monthly report

View the composition of the fund portfolio. View the composition of the fund portfolio.
Mixed variable income 
Risk profile 4/7. 
60% investment in variable income, a percentage that can reach 75%. 
Ideal if you’re an investor with a decisive profile. 
Get your plan 

BS Variable Income Plan 

A plan in constant movement, with 100% of the  investment in variable income. Monthly report Monthly report  

View the composition of the fund portfolio. View the composition of the fund portfolio.  
Mixed variable income 
Risk profile 6/7. 
If you want to invest in the stock market and you’re willing to accept fluctuations. 
Invests in stocks that are under-valued by the market with proactive management. 
Acquire your plan 
matricula-

Make your contributions to your individual pension plan  

Make contributions whenever and however you like for as little as €30 and save from today to guarantee the retirement that you deserve. 

And if you want to transfer your plan to Banco Sabadell from another bank, make an appointment and a manager will take care of everything. 
Contribute to your planContribute to your plan
matricula-

Discover other Banco Sabadell Secured Pension and Benefit Plans

matricula-202300206-38-1-12426

Sabadell Future Plans

The plans that suit your age
Investment management in 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

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
matricula-

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
matricula-

The advantages of digital banking with the best of an expert bank

matricula-

Do you have any questions? We're here to help you

Branches and ATMs

Find a branch or request an appointment

Virtual Assistant

Available 24/7 on Virtual Assistant button

Contact us

We can help you through these other contact methods

Customer Service

Log in to file an official claim
matricula-
Legal conditions
matricula-
HomeRetirementSecured Pension and Benefit Plans Individual Pension Plans
Save from today and secure your retirement
Subscribe to your planSubscribe to your plan