Pension question, Spain
When can I withdraw money from a Spanish pension plan?
Participants in individual and associated pension plans may withdraw, in whole or in part, the consolidated rights corresponding to contributions made at least ten years earlier. As a transitional rule, rights from contributions made up to 31 December 2015 became available from 1 January 2025, which is the mechanism that made all pre-2016 pension plan money withdrawable from that date.
What to do next
- Find the name of each Spanish bank or insurer that held a pension plan for you.
- Note the years in which you paid in, because the ten year rule counts from each contribution.
- Run our free check to see which other countries may hold a pension in your name.
Check your own working life for free
Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.
Run the free checkQuestions people also ask
What is the rule called?
Derechos consolidados de un plan de pensiones can be drawn early (disponer anticipadamente) once the applicable ten-year seniority threshold is met.
Do you give advice on what to do?
No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.