Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Go to main content
BBVA Home
  • People
  • Self-employed professionals and businesses
  • Become a customer
  • Access Access Access
  • Menu Close
Products
Home
  • Accounts
  • Cards
  • Mortgages
  • Loans
  • Insurance
  • Pension plans
  • Mutual funds
  • Deposits
  • Investment portfolios
  • Savings insurance
  • Stock exchange and markets
  • BBVA Autorenting
Invite a Friend Plan
Branches and ATMs
BBVA Newsroom
Try out BBVA without being a customer
  • Español
  • Català
  • English
  • Galego
  • Euskara
Individuals Self-employed people and companies
  • Home
  • Accounts
  • Cards
  • Mortgages
  • Loans
  • Insurance
  • Pension plans
  • Mutual funds
  • Deposits
  • Investment portfolios
  • Savings insurance
  • Stock exchange and markets
  • BBVA Autorenting
Click enter
Suggestions

    Experiences

    • Bank Moving Service

      Bank Moving Service

      Switch to BBVA and we'll handle all the paperwork for you

    • Try out BBVA without being a customer

      Try out BBVA without being a customer

      Discover the features of the BBVA app without opening an account.

    • Bizum

      Bizum

      Send and receive money from your phone instantly. As easy as sending a message.

    • My everyday operations

      My everyday operations

      Track your income and expenses, organized by categories and subcategories.

    • Mobile payment

      Mobile payment

      Leave your wallet at home and pay for everything with your cell phone.

    • BBVA Valora

      BBVA Valora

      We'll help you evaluate the price of a car, a home and much more.

    Try out BBVA without being a customer

    We invite you to get to know it
    I'm interested
    Invite a Friend Plan Branches and ATMs BBVA Newsroom Try out BBVA without being a customer
    Access Access Access
    • Español
    • Català
    • English
    • Galego
    • Euskara
    Become a customer
    Click enter
    Suggestions
      ADVERTISING
      MM/DD/YYYY

      BBVA Guaranteed Benefit Plan

      You'll accumulate savings for your retirement

      • Interest guarantee.
      • Minimum contribution of €600.
      • The same taxation as for pension plans.
      • Initial term of your choice.

      For whom is it intended?

      • Anyone between 18 and 75 years of age who wants to supplement their retirement pension by means of a savings plan and obtain tax deductions.

      What advantages does it offer?

        • Interest guarantee.
        • You can designate the beneficiaries of the plan in the event of your death.
        • The same taxation as for pension plans.

      How does it work?

      • Availability
        • To apply, you must make an initial minimum contribution of €600, either as a cash deposit or as a transfer from another guaranteed benefit plan or pension plan.
        • You can make as many one-off contributions as you wish, with the existing limit of €1,500 a year. This limit is shared among all the pension and benefit plans of which you are the policyholder.
        • Every contribution will have its own guaranteed return, i.e. whenever you make a contribution, you will be informed of the Technical Interest Rate that applies to this contribution and the time period over which it applies.
        • Cover in the event of death: Beneficiaries will receive 101% of the contribution or accumulated value at the last date of capitalized renewal at the Guaranteed Technical Interest Rate. 

         

        Initial term

        An initial term of your choice, between 1 and 15 years, depending on your age at the time of application.

        One month before the maturity of the initial period, we will notify you of the new guaranteed technical interest rate so that you can decide if you want to: 

        • Renew the contract for the new term indicated by BBVA Seguros.
        • Transfer it to another PPA, PPI or PPSE.
        • If you meet the requirements of retirement contingencies or an exceptional liquidity situation, you will be able to receive the guaranteed value.
        Availability
        This product is illiquid until retirement. Although the insured person may withdraw early, in whole or in part, if he/she suffers a disability, serious illness or long-term unemployment, if the contribution is at least ten years' old, under the terms established in the current regulations or in any other circumstances expressly provided for by the regulations in force at any given time.  

        However, if the right to transfer is exercised, some of the exceptional liquidity or insured coverage situations arise, according to the market conditions, the value to be transferred or received may be lower than the premiums contributed, as there is a potential difference between the market value of the plan assets and the Mathematical Provision amount, with losses potentially occurring at the time of redemption with respect to the premiums contributed.

         

      What are the requirements for purchasing the insurance?

        • Be a BBVA account holder.
        • If you don't have any open account at BBVA, you can open one. Ask us about available accounts and their terms.
        • Be between 18 and 75 years old. The maximum age of coverage under the insurance is 80 years.

        You can cancel the contract within 15 days after the purchase date.

      Where can I buy it?
      You can arrange to purchase it by going to your nearest branch or talking to your adviser.

      Would you like more information?

      The same as with pension plans.

      It is the interest that is used in insurance contracts to determine the yield of the investment.

      BBVA Seguros, S.A. de Seguros y Reaseguros.

      BBVA MEDIACIÓN OPERADOR DE BANCA – SEGUROS VINCULADO S.A. Company listed in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under reference OV – 0060. With liability insurance arranged and sufficient financial resources. The contracting of this product is subject to prior approval by BBVA.

       

      Be a BBVA customer.

      • At BBVA, we want to help you manage your day-to-day activities.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      Offer valid during current month
      1. Savings insurance
      2. BBVA Guaranteed Benefit Plan
      Footer
      • More BBVA

        • Private banking
        • BBVA for young people
        • BBVA for Seniors
        • BBVA Collectives
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • Currency exchange
      • The latest

        • Help Ukraine
        • Promotions and offers
        • Financial Health
        • Sustainability
        • Ciberseguridad
        • COVID-19 grants
        • Bank Moving Service
        • Payment of debit entries
        • Holiday calendar
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • Mortgage switching calculator
          Elección Account Calculator
          IBAN calculator
          Salary calculator
          Gasoline cost calculator
          BBVA Valora
          BBVA Invest
      • Utilities

        If you want to report a vulnerability you have found in BBVA, please click here

        Branches and ATMs

        Getting started in the app

        Everything from your cell phone

        Finances at a glance

        Economic dictionary

        Apps

        Accessibility

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2023

      Creating Opportunities