La banca recupera las bonificaciones por traspasos de fondos de inversión

Spanish banks are reviving incentives for fund transfers among competitors in an effort to attract investment. These commercial tools are commonly used during pension plan campaigns at year-end, but have been less prevalent in fund transfers.

Bankinter, for example, has launched a campaign for its 40th anniversary to encourage client subscriptions. The bank will pay 1% of the net amount transferred from other entities to funds managed by Bankinter Asset Management, with a minimum investment of 5,000 euros that must be held for two years. The bonus can reach up to 30,000 euros per client and is available between October 1 and November 30.

Self Bank, a digital bank from Singular Bank, has also introduced a promotion that rewards a 1% transfer of funds and money from other entities to its platform (excluding quoted funds or ETFs), up to a maximum of 5,000 euros per account. There is no minimum investment requirement, and the campaign allows purchases, transfers, and changes of merchant, with money or funds from other entities. The incentive is distributed in four installments during 2027.

BBVA is also using incentives to attract competition's capital. The bank offers a 2% gross bonus for transfers from funds not managed or marketed by group entities. The offer is limited to a list of funds and not the entire portfolio. A minimum investment of three years is required, and the campaign runs until December 31, with a maximum bonus of 20,000 euros per participant.