May 3% Pension Plans

Pension Plans

Pension plans

Earn up to a 3% rebate!

Promotional code: PLANES20

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Invest in Pension Plans with Openbank
Why?

Because we don't charge you anything

No transfer fee.
No custody fee.


 

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Because you have more than 35 plans to choose

We offer you a wide catalogueue of pension plans of 5 managers.
 

 

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Because you can invest from €6

A very low minimum investment and the possibility of optimising your investment with regular automatic contributions.

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The level of risk and the information for each of the Pension Funds marketed by Open Bank, S.A. is detailed in the Informative Brochure or Document of Fundamental Data for the Participe of each one of the Funds of Pensions, available at www.openbank.es

 

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Do you want to know more about Pension Plans?

It is a savings product to accumulate capital in the long term, that allows you to complement the pension that you will receive when you retire.

The pension plan brings together the money contributed by a large number of investors (participants), and a management company is responsible for managing it to obtain the best possible return by investing in a series of assets, such as shares, bills, bonds, obligations, etc.

The DDFP (document of fundamental data for the participant) of the different pension plans that we commercialize are available in the card of each one of the plans in www.opebank.es

You will pay less tax. You can save up to 45%* of your annual contribution in your tax declaration, depending on your income and how much you invest.
The money you contribute each year will not be taxed by the tax authorities until you redeem your plan.

* Estimate considering the maximum rate of tax withholding (45%).

You decide the quantity and frequency of your contributions, which could be from €6.

You can redeem your pension plan when you retire and in exceptional cases such as severe disability, serious illness or long-term unemployment, among others. In addition, from 2025 onwards, you can request the reimbursement of shares with a minimum seniority of 10 years.

On cashing it in, you have four options: 

  • In the form of capital, that is to say, all at once.

  • In the form of periodic payments.

  • In a mixed form, a quantity at one time and the rest periodically. 

  • In the form of one-off payments, with total flexibility.  

Our search engine will allow you to select from between a wide range of plans. So you can access the pension plan that best suits your needs and contract it from the detailed information by clicking on the button to contract. 

If you prefer more personal treatment, call us on 91 177 33 16 and our team of pension professionals will help you with everything you need.

If you are not yet a customer, become a customer right here.

A transfer involves moving the money that you currently have invested in a pension plan to a different pension plan.

To switch the pension plan you have in another entity to Openbank you only have to do the following: 

Print this document. Fill it in, sign it and send it to us by e-mail, together with the last statement of the plan, to inversiones@openbank.es. Or, if you prefer, you can send it back to us by ordinary post to the following address (you don't need to buy a stamp, we provide you with a free postage label along with the plan transfer application document. You just have to print it, cut it out and stick it to an envelope):

Openbank
Operations/Products Department.

Paseo de la Castellana nº 134

Madrid 28046

When we receive your application, we will contact the corresponding managers to start the procedures.

If you have any questions send us an email to inversiones@openbank.es or call us at 91 177 33 16 and ask for one of our specialists.

We make it extremely simple for you. Call us on 91 177 33 16 and our team of pension plan professionals will help you with whatever you need.