BBVA España
With the BBVA app, you can do it all from your phone.
Open
Go to main content
Go to the People Home page
  • People
  • Business
  • Become a customer
  • Access Access Access
  • Menu Close
Click enter
Suggestions

    Products

    Home
    • Accounts
    • Cards
    • Mortgages
    • Loans
    • Insurance
    • Pension plans
    • Mutual funds
    • Deposits
    • Investment portfolios
    • Savings insurance
    • Stock exchange and markets
    • Autorenting
    Promotions and offers
    Branches and ATMs
    BBVA Newsroom
    • Español
    • Català
    • English
    • Galego
    • Euskara
    People Companies
    • Home
    • Accounts
    • Cards
    • Mortgages
    • Loans
    • Insurance
    • Pension plans
    • Mutual funds
    • Deposits
    • Investment portfolios
    • Savings insurance
    • Stock exchange and markets
    • Autorenting
    Click enter
    Suggestions

      Experiences

      • Bizum

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

      • My everyday operations

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

      • Mobile payment

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

      • BBVA Valora

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

      Download the BBVA app

      Manage your accounts and cards, sign, contact your adviser, directly debit bills. Everything from your cell phone.
      More information
      Promotions and offers Branches and ATMs BBVA Newsroom
      Access Access Access
      Become a customer
      • Español
      • Català
      • English
      • Galego
      • Euskara
      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.

      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. 

      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.

      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.

       

      Be a BBVA customer.

      • BBVA savings insurance plans guarantee a return on your savings.
      • We are leaders in digital innovation working to make your life that bit easier.
      • Our approach is based on transparency, clarity and responsibility.

      Discover BBVA Bconomy

      A tool that helps you maintain your financial health

      Manage your expenses, create a financial cushion for your peace of mind, and set a savings goal.
      More information
      Offer valid during current month
      1. Savings insurance
      2. BBVA Guaranteed Savings Plan 5

      Footer

      • Other sections

        • Private banking
        • BBVA for young people
        • BBVA Collectives
        • Finances at a glance
          Economic dictionary
          Goodbye fees
        • Security
        • Currency exchange
        • Other BBVA websites
      • Online services

        • Everything from your cell phone
        • Apps
          BBVA Valora
          BBVA Invest
        • Bank Moving Service
        • Payment of debit entries
      • This may be of interest to you

        • Promotions and offers
        • COVID-19 grants
        • Accounts
        • Cards
          Loans
          Mortgages
          Pension plans
          Mutual funds
          Insurance
        • Black Friday
      • Need help?

        Find your nearest branch

        BBVA España Android app

        BBVA España iOS app

         

      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.-2021

      Creating Opportunities