All the advantages of a
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.
A genuinely unique experience in the market
Fully digital, intuitive and easy-to-use platform
No need for monthly top-ups
Tax benefits for company and workforce
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.
Head of People
The administrative workload has shrunk a lot and employees have much more flexibility.
People Operations Lead
Request a demo
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.