Open your secure pension plan
Open your secure pension plan
The retirement you deserve starts here
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Conservative profiles
Order your insured pension plan for a guaranteed quarterly or half-yearly profitability
Secured pension plans (PPAS) are life-savings insurance policies that help you to supplement your state pension. Ideal if you’re close to retirement age, you can collect your money in the form of an lifelong savings scheme or capital.
A plan with your capital 100% guaranteed and tax benefits
With your secured pension plan your capital is safe no matter what happens in the markets. It will also provide tax benefits in your tax return, depending on the contributions you make each year.
The peace of mind of having a life-savings insurance policy with you
In the event of your death, your beneficiaries will receive the accumulated balance plus additional capital totalling 10%, up to a maximum of €12,000. People over 65 years of age or any with aggravated risks will receive a maximum of €600.
Make your savings grow with a guaranteed return that you’re aware of in advance.
Tax benefits
Thanks to your contributions you can pay up to 47%2 less in your tax return.
Flexibility
For as little as €30, you decide if and when to make regular or one-off contributions.
Life insurance
In the event of death, the beneficiaries will receive the accumulated balance plus additional capital totalling 10% of the balance.
Profitability
Make your savings grow with a guaranteed return that you’re aware of in advance.
Tax benefits
Thanks to your contributions you can pay up to 47%2 less in your tax return.
Flexibility
For as little as €30, you decide if and when to make regular or one-off contributions.
Life insurance
In the event of death, the beneficiaries will receive the accumulated balance plus additional capital totalling 10% of the balance.
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Your secured pension plan, ready in just 3 steps
Enter your
client area
and subscribe to your plan. If you aren’t a customer,
open your Sabadell Online Account
3 in just ten minutes via your mobile.
Click on the Secured Pension Plan (PPA) option and choose between making a one-off contribution for as little as €30 or planning your regular contributions. You must also indicate who the beneficiaries will be.
Once you’ve read and filled in all the information, you can digitally sign your contract and start saving for the retirement you deserve.
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Improve your future from today with your secured pension plan
BS Secured Pension Plan (PPA)
100% guaranteed returns and capital to supplement your pension.
Fixed incomeConservative investor profile close to retirement age.Short-term investment with a 3-month guaranteed interest rate.Fixed income with investments in different countries and sectors.Open your planOpen your plan
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Do you have a secured pension plan? Do you want to make the most of it?
Set aside some of your monthly income to your plan by means of regular contributions to ensure that your savings grow little by little. This will create a routine and make it less of an effort to build up extra capital for your retirement.
Contribute to your secured pension planContribute to your secured pension plan
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Discover other Banco Sabadell Secured Pension and Benefit Plans
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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
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Are you a resident of the Basque Country?
Are you close to retirement age?
Individual Pension Plans (PPSIs)
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 Previsión Futuro
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.
Go to Personal FinanceGo to Personal Finance
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The advantages of digital banking with the best of an expert bank
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30/08/2023
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Existen diversos instrumentos de ahorro que suponen una buena alternativa para intentar complementar la futura pensión de jubilación.
1 Offer made by BanSabadell Pensiones E.G.F.P., S.A., applicable to transfers of entries to BanSabadell Pensiones individual pension plans that comply with the following: (i) only for transfers from institutions in which Banco Sabadell has no shares to the individual BanSabadell Pensiones pension plans included in this campaign, namely the Sabadell Future Plans range, BS Plan 15, PPI, BS Pentapensión, PPI, BS Pensión 60, PPI and BS Variable Income Plan, PPI (which can be viewed at www.bancsabadell.com/pensiones); (ii) made between 01/09/2022 and 31/12/2022; (iii) for an amount equal to or greater than €4,000 and; (iv) with a 9-year commitment for the specific amount of the balance established in the minimum termcommitment agreement signed by the member. This incentive is regarded as income from movable capital in accordance with current tax law and it is subject to withholding on account of personal income tax. You can view the information document with the conditions for this and other financial incentives at www.bancsabadell.com/pensiones.
2 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.
3 The Sabadell Online Account has 0% NIR 0% APR profitability for daily positive balances and administration and maintenance fees: EUR 0/year. Account settled on a quarterly basis. Read the informative document on the fees for the Sabadell Online Account.
Secured Pension Plans are life-insurance policies of BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and DGSyFP Insurance Companies Register under code no. C-0557.
Insurance policies brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., with Tax ID no. A-03424223 and its registered offices at Avda. Óscar Esplá, 37, 03007 Alicante, registered in the Merc. Reg. of Alicante, and in the DGSyFP’s Special Administrative Register of Insurance and Reinsurance Distributors under code no. OV-0004, and carries Civil Liability Insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance in effect at all times. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency agreement at the website: www.bancsabadell.com/bsmediacion.
Product available only for residents in Spain. 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 with the 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. Consultation Investment policy, statutes, agreements adopted in the general assembly, the regulations of the associate defender of Bansabadell Previsión, Individual EPSV and ESG risk integration policy 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 Registry of Management Companies of Collective Investment Institutions of the National Securities Market Commission with number 58.