When do you collect your pension in January 2026? Calendar by banking entities

The beginning of the year involves, without a doubt, experiencing the famous ‘January slope’. And it is that after the parties, the dinners and the gifts, The pocket is not enough and, therefore, the collection of the pension becomes urgent. In addition, the January pension comes with a key incentive, it is the first to incorporate annual revaluation. Now, pensioners are waiting to see how the increase translates into their monthly income.

From a legal point of view, Social Security establishes that pensions must be available in the beneficiary’s account on the first business day of the month and, in any case, before the fourth calendar day. However, in practice, most banks choose to advance payment. In January, furthermore, the usual payment days coincide with the weekend, which forces banks to adjust their dates.

What is the collection date in each bank?

Bankinter, Unicaja or Caja Ingenieros allow their clients to have the money from Thursday the 22nd. Others, such as Santander, Sabadell, Ibercaja or Cajamar, have established the subscription for Friday the 23rdahead of the weekend. In all these cases, the objective is for pensioners to have access to their benefit before non-working days, avoiding unnecessary waits.

There are banks that maintain fixed dates regardless of whether they fall on Saturday or Sunday. CaixaBank, for example, pays pensions on the 24th of each montheven when it coincides with the weekend. BBVA, ING and Kutxabank also keep the 25th as a reference, without delaying entry even if it is not a working day.

The revaluation of pensions

Beyond the collection calendar, January comes with a general improvement in income. Contributory pensions are revalued by around 2.7%, following the legal mechanism that links their update to the average evolution of the CPI. This increase seeks to preserve purchasing power against inflation, although its impact varies depending on the initial amount of each pension.

The increase is more significant in the case of minimum pensions, which experience an increase of more than 7% since January 1. Some specific modalities, such as minimum pensions with a dependent spouse or those for widows with family responsibilities, reach revaluations of up to 11.4%. In the same line, non-contributory pensions They also increased by 11.4%.