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This information describes the Pension Scheme and may vary over time. It is calculated on the basis of simulated data that, however, may not be considered to constitute a reliable indication of the future risk profile of the Scheme. The risk profile information of each Scheme is available at www.unicajabanco.es. The scale of risk of the pension schemes promoted ranges from 1 to 7.  

Collecting the pension payments or exercising the redemption right is only possible in the case of any of the contingencies or exceptional liquidity cases governed by the regulations on Pension Schemes and Funds taking place.

 

 

The value of the mobilisation fees, of the pension payments and the exceptional cases of liquidity depend on the market value of the Pension Fund assets and this may cause relevant losses.

PENSION PLANS

Si tú cambias, nuestro Plan también

Are you a customer but still don't have your login details?

Hasta el 5 % de bonificación

Un 4 % por traspasar tu Plan de Pensiones a Unicaja Banco(1) y el 1 % por aportación extraordinaria(2).

Flexibility

You can modify your periodic payments or make extra payments whenever you want.

Yield

Maximise your savings according to your investor profile.

Tax benefits

Reduce your IRPF taxable income base based on your contributions to the pension plan. Check the tax benefits of pension schemes here.

Trae tu plan de pensiones a unicaja banco y podrás llevarte una bonificación de hasta el

  • 5,00
    %
  • Por el traspaso
    4,00
    % (1)
  • Por aportación
    1,00
    % (2)
    extraordinaria

¿Cómo sabes qué plan es para ti?

Plan de pensiones de Unicaja entre 30 y 37 años

Si tienes entre 30 y 37 años

planes-pensiones-unicaja-entre-38-y-45

Si tienes entre 38 y 45 años

planes-pensiones-unicaja-entre-46-y-53

Si tienes entre 46 y 53 años

planes-pensiones-unicaja-entre-54-y-61

Si tienes entre 54 y 61 años

DISCOVER EVERYTHING ABOUT OUR PENSION SCHEMES

As in your case, we are concerned about the future and, although your retirement may seem far away, it is a good moment to take advantage of your Pension Scheme with a periodic contribution.

 

  • Generate an orderly saving habit with the amount you choose.
  • You may make periodic contributions from very small amounts.
  • Enjoy a reduction in your taxable base.  

We want you to imagine your retirement without any kind of concern.

 

Due to this, we want to offer you a loan at 0 % AER(3) for you to make an extraordinary contribution to your pension scheme so that, when the time comes, you only have to enjoy what is important. You may apply for up to € 6,000(*) and return that sum conveniently over 12 months.

 

This loan has no study, opening or early cancellation commissions. Without notarial intervention.

If you already have a Pension Scheme, but you want to bring it to Unicaja Banco, you may enjoy:

  • Up to 4 % in cash on the sum transferred.(1)
  • A large variety of Pension Schemes. Choose the one that best suits your needs:
  1. Fixed yield Pension Schemes: Uniplan Fixed Yield and Uniplan Horizon 100.
  2. Mixed yield Pension Schemes: Uniplan, Uniplan IV and Uniplan III.
  3. Variable yield Pension Schemes: Uniplan Global and Uniplan Variable Yield.

WHAT ADVANTAGES DO PENSION SCHEMES HAVE?

Security for your retirement

Continue to enjoy your present living standard when you retire.

Flexibility in your periodic and extraordinary contributions

Choose the amount of your contributions and their frequency. You may also make extraordinary contributions and may even suspend your contributions temporarily or indefinitely without losing any right as a participant.

Profitability according to your investment vocation

You may choose the scheme that is most convenient for you according to your investment profile.

Tax profit according to your contributions

The contributions to Pension Schemes are deducted directly from the taxable base, and the loans received for Pension Schemes are integrated in the taxable base and have the status of revenue from personal work.

Non operational PF settlements

Contracting process

To contract our  Pension Plans, you can go to  any of our Unicaja Banco branches, where we will be delighted to help you.

 

If you prefer, you can also apply for a Pension Plan filling out an application form and indicating at which branch you'd like it to be processed. We will contact you shortly.

 

Remember, if you have any questions or queries, you can call our customer service team+34 901 24 62 46 or +34 952 07 62 63.

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