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
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      ADVERTISING
      MM/DD/YYYY

      BBVA Guaranteed Savings Plan 5

      Get guaranteed returns for your savings.

      This product is only available for customers who have already taken out a SIALP and who wish to make one-off contributions to it.
      • Guaranteed benefits if you save for at least 5 years.
      • Tax advantages.
      • Compensation in the event of death.

      For whom is it intended?

      • To all people who have taken out a SIALP (long-term individual life insurance) and who want to make a one-off contribution.

      How does it work?

      • An Individual Long-Term Savings Insurance Plan (SIALP) that combines guaranteed returns with additional compensation in the event of death. It guarantees you a lump-sum payment plus interest within 5 to 6 years.

        • You can make as many contributions as you want up to an annual limit of €5,000.  
        • Each contribution will have a guaranteed return. 
        • Keep your Individual Long-Term Savings Insurance plan for at least 5 years and the returns you accrue will be exempt from taxation. 

      Would you like more information?

      Each contribution has its own guaranteed return based on the technical interest rate of the transaction, which is used in insurance agreements to determine the return on investment.

      You can retrieve the total amount of your savings at market value whenever you want with no cancellation fees If you withdraw your money before the end of the legally established term (5 years), you will lose your tax benefits and any accrued returns will be taxed as capital gains with the corresponding withholding tax applied.

      No, in this case it is not related to any contributions you make to other savings instruments (e.g., Individual Pension Plans, Voluntary Social Benefit Entities, Company Plans, Guaranteed Benefit Plans, or Individual Systematic Savings Plans). Contributions made on a regular basis are not allowed.

      The beneficiaries will receive 100% of the contributions made until the date of death, plus an additional 1.5%.

      Yes, you can make a request to transfer funds at any time and at market value. The law stipulates that, upon expiration of the guarantee period, policyholders can transfer the entirety of their individual long-term savings insurance plan provided they notify their intention to do so before the end of the contract term.

      At this website you will learn more about the main characteristics of Guaranteed Savings Plan 5. For this product, the regulations provide that we must offer a key investor information document. In this section you will find this file, which will provide more specific information to help you to understand the product characteristics.

      • 2025 Supplement: open document.
      • 2024 Supplement: open document.

      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.

       

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      • 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 Savings Plan 5
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      Banco Bilbao Vizcaya Argentaria S.A. 2023

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