The bank that offers a bonus of up to 7% on pension plan transfers in its end-of-year campaign

Ibercaja This Monday it launched its new pension plan campaign for 2025, maintaining the most competitive bonus on the market for another year, up to 7%, for transfer from other entities to the bank’s individual pension plans.

“Pension plans allow constitute savings that complement future income, with the aim of meeting the needs at the time of retirement or in situations of unemployment, dependency, disability, serious illness and death”, the Aragonese company has highlighted.

“Ibercaja is an entity specialized in global savings management and offers expert support when generating capital for retirement. The experience and specialization of its professionals, the products that adapt to the different profiles and needs of its clients and the excellence of the recognized and award-winning management of Ibercaja Pensión make up a differentiating offer,” he stated.

As a novelty of this campaign, The entity does not require a minimum transfer amount and does not limit the maximum bonuswhich is received through an account credit in advance. In this way, for transfers to mixed and variable income Ibercaja individual pension plans, the participant can obtain an account credit of 7% with a 10-year commitment.

On the other hand, those clients who purchase a commitment to stay for nine years will be able to benefit from a 6% payment; 5% in case of an eight-year commitment; 3% for a six-year commitment; and 2% if the stay is four years.

In the case of transfers to fixed-income individual pension plans, of any amount, the participant can obtain a 1.5% incentive, with a 5-year commitment, as long as you transfer to one of the fixed income plans included in this promotion. Clients who want to benefit from these bonuses must make the transfer from another entity before January 23, 2026.

Self-employed workers or self-employed workers have a specific promotion, Also valid until next January 23, 2026. Thus, Ibercaja offers them to choose between two subscription percentages: 1% if they opt for a four-year stay and 2% if they opt for a seven-year stay.

No maximum bonus limit

As was the case with individual pension plans, Ibercaja does not establish a maximum limit for this bonus, which will also be paid into the account in advance. To access this benefit, the self-employed They can transfer balances from other entities to their Ibercaja self-employed pension plans, with a minimum amount of 3,000 euros, or opt for the new contract of a Pension Plan for the Self-Employed and make an initial extraordinary contribution of at least €1,000.

The Ibercaja pension plan manager, one of the pioneers in offering this type of pension plan, has the Ibercaja Growth Self-Employed Plan, with a moderate investment profile, and the Ibercaja Balanced Self-Employed Plan, with a conservative profile. Both products that can be hired by any self-employed person or self-employed worker, They allow this group of workers to access the greatest tax advantages offered by employment plans, since they can increase their annual contributions, as well as their tax deduction up to 5,750 euros, compared to the 1,500 euros limit established for individual pension plans.

After two years of existence, these simplified employment pension plans for the self-employed from Ibercaja are now They have more than 3,000 participants and an asset close to 21 million euros.

Reference entity in future savings

Ibercaja Pensión manages more than 8.3 billion euros in pension plansmore than 300,000 participants and has a market share of 6.15%. It ranks fourth among managers by assets managed in pension plans and third in employment plans. It administers two of the ten largest employment plans in the country.

Furthermore, at the end of September 2025, Ibercaja once again occupied prominent positions within the sector profitability rankings. Thus, several of its individual plans are at the top of Inverco’s sector ranking, highlighting the ‘Ibercaja Pensiones Horizonte 2030’ plan, which occupies second place at 1 year and the “Ibercaja de Pensiones I Fixed Income” plan, which is in fourth position in profitability at 1 year and in fifth position at 3 years, in both cases within the 30 largest plans in the sector in the long-term fixed income category to which they belong.

In the case of employment pension plans, The manager manages one of the three most profitable 1-year plans, within the ten largest in the sector by assets, according to data published by Inverco at the end of September. In particular, Ibercaja’s employee pension plan accumulated a one-year return of 5.85%.

Furthermore, the Balanced Ibercaja Self-Employed Pension Plan It stands out among the self-employed plans with a conservative profile as the most profitable one year at the end of September, with a profitability of 5.93%.

Ibercaja Pensión has been recognized again this year in the edition of the Expansión-AllFunds Bank Awards as Finalist for Best Pension Fund Manager for the ninth consecutive time (and winner on four of these occasions). On this occasion, in addition, the Ibercaja Pensiones Dividendo Global, FP Pension Plan has been awarded within the quantitative awards as Best European Variable Income Pension Plan.