The pension plans you were looking for

Look after your employees’ future with the company pension plan from Cobee. Make significant savings and prepare for your retirement easily and hassle-free.

Start using Cobee!

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All the advantages of a
pension plan

The most effective long-term savings instrument for your team

Significant tax advantages for both companies and beneficiaries

Set up the plan however you like: Salary Sacrifice, Company Benefit or a combination

Comprehensive information in the app: manage your plan with the click of a button from your phone

No middlemen or paperwork: Cobee will take care of everything

Why choose a pension plan?

With Cobee, you can complement your company’s Compensation Plan with the pension plan that best suits your workforce.

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Both your company and your team will benefit from tax advantages from day one and everything can be managed from our app hassle-free. It’s that easy.

A genuinely unique experience in the market

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Fully digital, intuitive and easy-to-use platform

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No need for monthly top-ups

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Tax benefits for company and workforce

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Physical card, virtual card and app for managing your benefits


Create the perfect Benefits Plan for your company

Besides the pension plans, with Cobee you can create a personalised Benefits and Flexible Remuneration plan for your teams. Discover all the advantages!


Restaurants, bars, snack bars… If they serve food, you can pay for it with Cobee.



Journeys on public transport. Bus, metro and train, all at your feet.



Endless catalogue of childcare centres and nursery schools for children aged 0-3 years.



Languages, online courses, MBA…Pick one and grow your mind.



Complete coverage for you and also your partner and/or children.



Hire car schemes at super competitive prices.



Financial support for you and your family during difficult periods.



Discounts with top brands and retailers: Amazon, Spotify, Zalando…



A chance to start saving today and planning for your tomorrow.



Emotional support to improve and take care of your well-being.


What our customers say

I love paying with Cobee. It’s the default card on my phone so I never forget to use it.

Carlota Alonso Martínez
Senior Account Executive

We chose Cobee because it suits the needs of our team perfectly. It is very easy to use.

Rute Pereira
Head of People

The administrative workload has shrunk a lot and employees have much more flexibility.

Carla Santamaría
People Operations Lead

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The Pension Plan Benefit is a long-term savings instrument. The objective is to generate sufficient savings to complete the public pension that employees will receive upon retirement.

The company can contribute an annual maximum of €8,500, while employees can contribute up to €1,500 or 2.5 times the amount contributed by the company.

Whether as a Company Benefit or as Salary Sacrifice, both the company and the employee enjoy tax advantages. The company can deduct the amounts from its Corporate Income Tax calculation while the employee will see the contribution reflected on their payslip as ‘remuneration in kind’, meaning they will enjoy a reduction to the taxable base used to calculate their Personal Income Tax. The maximum deductible amount will be €10,000 per year (€1,500 from the employee and €8,500 from the company).

The main way in which people access the funds from a Pension Plan is by reaching the legal retirement age. Nonetheless, legislation also provides for other situations such as long-term unemployment or incapacity for work. Furthermore, as from 2025, it will also be possible to access these funds from the tenth year in which contributions began.

Yes, you can have more than one pension plan at the same time. However, the fiscal caps will be the same after all the contributions have been added together. In other words, if you already had a Pension Plan and now your company also wants to make contributions to another new one, you will be able to benefit from them both.

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