Some benefits of the pension plans
For every €1,000 you invest in your pension plan you can save up to €450* on your tax declaration, depending on your income and what you contribute.
Freedom to diversify your investment
You can have as many plans as you want. And at any time, you can change plans or make transfers between the different plans that we offer, without commissions.
Find the plan that best suits your needs.
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 firstname.lastname@example.org. 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):
Paseo de la Castellana nº 134
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 email@example.com 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.
*To calculate this amount, we have assumed the maximum tax rate (45%). The actual fiscal saving will depend on the personal circumstances of each customer and can vary in the future.