Information required by M.O. ECC/2316/2015: CaixaFuturo Savings Insurance

CaixaBank is part of the Deposit Guarantee Fund of Credit Institutions provided for in Royal Decree 16/2011 of 14th October 2011. The maximum amount guaranteed is €100,000 per depositor with each bank.

1/6

This number indicates the risk of the product, where 1/6 is the lowest risk and 6/6 the highest risk.

CaixaFuturo
Your savings for tomorrow start today

Start saving with a 0,5 % guaranteed technical interest ¹ in the first year. ²

Let's go!

Save in easy way

The advantages of saving with CaixaFuturo make it so simple for you.

Secure savings

0,5 % guaranteed interest in the first year.

Your money available to you

Get immediate liquidity ³ at any time.

To your liking

You can make regular or one-off contributions.

100% from the app

Recover your money whenever you want 100% online, without complications.

What should I do?

Decide how much you want to contribute every month from €50 ⁴ and start receiving interest on your money!

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FAQS

1. What is CaixaFuturo?

CaixaFuturo is a VidaCaixa savings insurance policy that offers guaranteed technical interest of 0.5% during the first year.

2. Where can I sign up for CaixaFuturo?

From the products section of the imagin app. Tap "Plan your future" and then choose CaixaFuturo.

3. How much can I save?

You can save from €50 a month up to a maximum of €10,000 a year.

4. Can I take the money out at any time?

Yes, the advantages of this product is that you can increase, reduce, interrupt or withdraw all or part of your contributions at any time.

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We are what we do

We go above and beyond the standards that certify us as a company with good social, environmental and corporate practices.

IRN: 6236-2023/17317
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1. The total guaranteed technical interest is 0.05% during the first annuity; after this period, the interest rate can be renewed according to the conditions that are determined at that time. The guaranteed minimum interest will always be 0.05% until maturity. The new conditions and the renewal interest rate will be established thereafter.

2. The first period of the insurance will have a time horizon of a maximum of ten years. Once the maturity date has expired, the insurance can be extended for periods of 12 months, according to the terms and conditions of renewal. Specifically, the extension will be automatic if the interest rate of €STR is 2.05% or higher. The €STR interest rate is the euro short-term interest rate administered by the European Central Bank and is designed to reflect the cost to banks of borrowing funds on a very short-term (overnight) basis from different counterparties without providing collateral. Otherwise, the extension will be subject to the insurer's decision. The contract will be automatically resolved on the maturity date if the net amount on which the extension is applied is less than €50 or if the insured person has, on the maturity date of the contract or any of its extensions, reached the age of 80 or more. Refer to the terms and conditions of the contract.

3. The provision of the money saved will, where applicable, be subject to the tax applicable at the time of the redemption.

4. The minimum contribution amount is €50 per month. The maximum contribution in CaixaFuturo is €10,000 per year. In the event of redemption or payment upon maturity, the returns are taxed as capital gains. In the event of the insured person's death, the individual beneficiary must pay tax on inheritance and donations tax (ISD) and the amount of the capital will accrue to the rest of the inheritance value for the purposes of tax calculation. As it is a life insurance policy, it allows the beneficiary to have the possibility of applying a single reduction, depending on the degree of relationship with the policyholder. This amount is variable according to each autonomous community.

Information subject to the special and general terms and conditions of each policy, as well as subscription terms and conditions. CaixaFuturo is savings insurance from the insurance entity VidaCaixa, S.A.U. de Seguros y Reaseguros, with Tax ID A-58333261. CaixaBank, S.A., exclusive banking and insurance operator for VidaCaixa, SAU de Seguros y Reaseguros and authorised by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, with tax ID A08663619 and registered offices at Calle del Pintor de Sorolla, 2-4, 46002, Valencia. Listed in the Spanish Directorate-General of Insurance and Pension Funds Registry of Insurance and Reinsurance Distributors under code OE0003. It has the corresponding professional civil liability insurance in place to cover any liabilities that may arise due to professional negligence, as required by law. See the company website for more information.