• - Potentially less performance
  • Potentially more performance +
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • Low risk
  • High risk

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 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.


En los Black Days, tu Plan de Pensiones te da aún más tranquilidad

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Planes de pensiones Uniplan Contigo

A range of four Pension Schemes with different retirement horizons, based on a Life Cycle investment strategy.


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


Rentabiliza tus aportaciones según tu vocación inversora.

Tax benefits(1)

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

Con tu Plan de Pensiones de Unicaja Banco podrás llevarte una bonificación de hasta el


Por aportaciones periódicas (2)

6 % de bonificación de la suma anual de tus aportaciones, con un máximo 300€ y un compromiso de permanencia 3 años.


Por traspasos desde otras entidades (3)

Hasta un 4 % de bonificación, con un máximo 3.000 € y un compromiso de permanencia de hasta 7 años.

Dos por ciento negro

Por aportaciones extraordinarias (4)

Durante nuestros Black Days, si haces una aportación extraordinaria a tu Plan de Pensiones, obtendrás una bonificación del 2 % en vez del 1 %.

Un plan que cambia como la vida

Plan de pensiones de Unicaja entre 30 y 37 años

If you are between 30 and 37 years old


If you are between 38 and 45 years old


If you are between 46 and 53 years old


If you are between 54 and 61 years old


Sabemos que tu jubilación te importa, por ello, sácale partido realizando aportaciones periódicas (mínimo 50 € al mes) a tu plan de pensiones, con las que generas un hábito ordenado de ahorro con el importe y periodicidad que elijas.


Y si realizas tu aportación periódica por un mínimo de 84 € al mes, antes del 20 de enero, podrás obtener un 6 % de bonificación(2) sobre el total de las nuevas aportaciones periódicas realizadas durante 12 meses, pudiendo conseguir un máximo de 300 €, con un compromiso de tres años de permanencia.

Queremos que imagines tu jubilación sin ningún tipo de preocupación. Por ello, si entre el 23/11/2020 y el 4/12/2020 realizas una aportación extraordinaria de 3.500 € o más a tu plan de pensiones, conseguirás una bonificación del 2 %(4).

Si ya tienes un plan de pensiones pero lo quieres traer a Unicaja Banco, podrás disfrutar de:

  • Hasta un 4 % de bonificación por la cantidad traspasada. (3)
  • Gran variedad de planes de pensiones.

Elige el plan de pensiones que mejor se ajuste a tus necesidades:

  1. Planes de pensiones de renta fija.
  2. Planes de pensiones de renta mixta.
  3. Planes de pensiones de renta variable.
  4. Planes de pensiones de ciclo de vida.

Los tienes todos en nuestro Catálogo de Planes de Pensiones.



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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Call us on 952 076 263 or on 901 246 246

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