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Savings and pensions
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Why invest your savings?

 
  • It enables you to diversify your savings
  • 100% guaranteed returns Our offer includes products with 100% guaranteed returns. And known in advance
  • You can choose the term of your investment
  • From €30 per contribution You can make regular or one-off contributions, thus making it possible for you to save effortlessly and almost without realising it. 
WHY GET IT?

Our savings plans

Savings plan

The ideal product if you are looking to save capital with guaranteed performance.

  • 100% guaranteed performance.
  • From €30 per contribution.
  • Your savings will be available when you need them.
  • You will only have to pay tax when you make a redemption.  
  • You can choose which beneficiaries to leave your capital to in the event of death, and change them as often as you wish.
Future savings

We recommend this product if you want descendants such as your children or grandchildren to receive the capital.

  • 100% guaranteed returns.
  • Under the premium waiver option, in the event that you are no longer around your children will still be able to pursue their dreams as we’ll cover unpaid premiums.
  • Your savings will be accessible in case of need at the market value of the investments. 
  • You will only have to pay tax when you make a redemption or when the maturity date arrives and your child receives the capital. 
  • You can redeem the guaranteed accumulated balance one month before maturity.
  • BanSabadell Life will donate 0.7% of the product’s returns to Manos Unidas.

 

Multinvestment

This life insurance policy issues funds for investment in shares, bonds or in a basket of funds with the objective of achieving a set return at maturity. Each issue has its own maturity date. 

  • It provides access to the best opportunities the financial markets have to offer.
  • From €600.
  • You can choose which beneficiaries to leave your capital to in the event of death.
FAQ

Have any other questions?

Can I change the death beneficiaries of my Savings Plan and Sabadell Savings Insurance?

Yes, it is possible to change beneficiaries at any time. All you have to do is make a request to that effect at your local Banco Sabadell branch.

How can I know what my Savings Plan’s and Sabadell Savings Insurance performance is for the next quarter or semester?

BanSabadell Life will inform you, in the month prior to maturity, of the new rates to be applied for the next covered period.

What’s unit-linked insurance?

A unit-linked policy is a type of life insurance in which the policyholder/insured assumes the investment risk. Capital and returns are not guaranteed and will depend on the performance of the associated investment portfolio.

Can I change the death beneficiaries of my multi-investment plan?

Yes, it is possible to change beneficiaries at any time. All you have to do is make a request to that effect at your local Banco Sabadell branch.

What happens when a multi-investment issue reaches maturity?

At maturity, the accumulated balance is credited to the customer’s current account linked to the contract.

I want to invest my savings

Not sure which product is right for you? We’ll recommend the product that best suits your needs. Start recommender

*The additional capital will be a maximum of €12,000 (€600 for insured individuals over 65 years of age or with aggravated risks). 

**Future periodic contributions will be guaranteed in the event of death except in the case of contracts in which the age of the insured plus the term of the contract is equal to or greater than 65 years, or except in the event of non-fulfilment of the initially established contribution plan. In such cases, the beneficiary would receive at maturity the accumulated capital at the date of death plus an additional 10% with a limit of €12,000 (€600 for insured individuals over 65 years of age or who have aggravated risks).  

 

*Covers and services subject to the policy’s terms, conditions, limitations and exclusions as set out in the schedule and terms and conditions.

Savings Plan is a product that can only be taken out by residents of Spain. Savings Plan is a life insurance policy of BanSabadell Vida, S.A. de Seguros y Reaseguros, holder of Tax ID No. A08371908 and with registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0557.

Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID No. A-03424223, with registered office at Av. Óscar Esplá, 37, 03007 Alicante, registered in the Alicante Companies Register and in the Special Administrative Register of Insurance Intermediaries of the Directorate-General of Insurance and Pension Funds (DGSFP) under code OV-0004, having taken out a liability insurance policy pursuant to prevailing regulations on private insurance and reinsurance distribution.