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Banco Sabadell Savings Account 5, ILTSA

A long-term savings account

 Open your ILTSA savings accountOpen your ILTSA savings accountWhen you save, you save more
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Banco Sabadell Savings Account 5, ILTSA

A long-term savings account

 Open your ILTSA savings accountOpen your ILTSA savings accountWhen you save, you save more
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Tax benefits

An account for saving more easily

 The Savings Account 5, ILTSA is a long-term savings plan and, as such, there is no tax on the income generated when five years have elapsed after it’s been opened1. With the peace of mind of having an amount of money to undertake your projects or whenever you need it. Subscribe to your ILTSA
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Decide how much to save

The payments depend on you; you choose when to make them and the amounts

 You set the pace of your savings: every month, when you receive your extra payments or your tax return... There' s only a maximum annual threshold of €5,000 for the individual long-term savings account and the interest rate is established on a quarterly basis. Get your ILTSA savings account
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For the entire family

An account for each member of the family

 Each member of the family can subscribe to their ILTSA savings account. This way your family’s savings will increase, as will the tax benefits. Open your individual savings account

The keys to your Savings Account 5, ILTSA

Subscribe to it online
You can have it linked to your bank account.
For the entire family
Each member of the family can subscribe to an ILTSA savings account.
No penalties
Cancel the account at any time or withdraw the money if you need it, without any penalties1.
Tax benefits
 
Exempt from taxation on the income generated five years after it’s been opened.
 
Subscribe to it online
You can have it linked to your bank account.
For the entire family
Each member of the family can subscribe to an ILTSA savings account.
No penalties
Cancel the account at any time or withdraw the money if you need it, without any penalties1.
Tax benefits
 
Exempt from taxation on the income generated five years after it’s been opened.
 
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Your Savings Account 5, ILTSA, ready in just three steps.

Enter your account , go to the Savings section and select the ILTSA option. If you aren’t a customer, open your Sabadell Online Account 2 in just ten minutes via your mobile.

If you need to, make an appointment  and your Banco Sabadell manager will help you to make your savings work for you by means of your Savings Account 5, ILTSA.

Once you’ve signed the contract, you can start making your first payments. Remember that you choose how much to save and when.
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Discover Banco Sabadell's savings solutions
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Savings Sabadell2​​​​​​​How to save money without realizing it
Allows you to define the rules and the amount of money you want to save.
You’ll always have your money available, without any penalties.
100% online. So you can manage your money from where and how you want.
Apply
See more
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The advantages of digital banking with the best of an expert bank
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We answer your most frequently asked questions

How can I open a second account if I am already a Banco Sabadell customer?
 
Open the Banco Sabadell app, click on the menu on the right and go to the Accounts section. Then click on the + symbol to see the available accounts and their main features. 
  
For more information, see our range of Banco Sabadell accounts.

What account products can I sign up for from Banco Sabadell Online?
 
As you are already a Banco Sabadell customer and account holder, you can sign up for the Sabadell Account and the ILTSA Account from Banco Sabadell Online.

Do I have to be a Banco Sabadell account holder?
 
Yes, you can only apply for a second account if you already hold an account with Banco Sabadell.

Is there a limit to the number of account holders?
 
Yes, the new account will be based on the account holders selected at the beginning of the process, but you can open it in the name of all, several, or at the very least one of the account holders. However, the ILTSA account can only have one account holder.

Do I need to have my National Identity Card (DNI) up to date in My Profile to open a second account?
 
Yes, in order to open a second account, you must have a valid and up-to-date National Identity Card (DNI) or Foreign National Identity Card (NIE) in our systems. 
  
If you need to update your National Identity Card (DNI) or Foreign National Identity Card (NIE), log in to your online banking from the Banco Sabadell website, open the drop-down menu next to your name and go to My Profile. Next, click on My Personal Data and then on Identity Document.

Do I need to submit any documents to open a second account?
 
No, you do not need to submit any other document, but your National Identity Card (DNI) or Foreign National Identity Card (NIE) must be valid and up to date in our systems. 
  
If you need to update your National Identity Card (DNI) or Foreign National Identity Card (NIE), log in to your online banking from the Banco Sabadell website, open the drop-down menu next to your name, and go to My Profile. Next, click on My Personal Data and then on Identity Document.

How can I find out if the other holders have signed the contract?
 
To check the status of the contract and see if the other holders have already signed it, log in to your online banking from the Banco Sabadell website. Then, go to My Profile and then My Documents. There you can check the status of your documents: pending signatures, all my documents and shared documents.

What are the restrictions on the use of this second account?
 
The account is for personal use, and under no circumstances may be used for professional purposes.

How can I sign the contract?
 

Signing the contract is the last step in the process of opening the account. After confirming that you have read and accepted the contract, you will receive an SMS on the mobile phone number you provided at the beginning of the process, or a notification from the app, with the confirmation code that you must enter where indicated. This signature system is as valid as a handwritten signature. 

Remember that a copy of the signed contract will be available in the My Profile/My Documents section of your remote banking.

Once I have signed the contract, will my new account be activated?
 
Yes, with the signature of the contract the new account will be activated and fully operational.

Can I withdraw from the contract once it has been signed?
 
Yes, you can withdraw and cancel the contract free of charge within 14 days of its taking effect without giving any reason and without a penalty. 
  
For more information, you can call the free telephone number 900 700 010 or go to your nearest branch.

What information will I be provided to sign up for my second account?
 

When you sign up for your new account online, you will be provided with pre-contractual information, which you can download so that you always have it to hand. The pre-contractual information contains: 

  • Information document on fees. 
  • Information prospectus prior to entering into a payment services framework contract. 
  • Pre-contractual information in accordance with banking regulations. 
  • Annex of fees and expenses applicable to transfers and cheques through the account.

What additional information do I have about signing up for a new account?
 
The following documentation is available at our branches and on the Customer Information section of our website: 
  
(i) Quarterly information on the fees and rates most commonly charged or offered for the most frequent transactions with the most common natural person customer profiles. 
(ii) List of most representative services associated with a payment account. 
  
If you need to, you can call the free telephone number 900 700 010 for any questions or queries related to the process or the features of the products and services we offer.

Features
 
  • Contribute your savings whenever and as often as you wish. The only limit is €5,000 per year.  
  • Recover 100% of the invested capital.  
  • No limit to the number of members.  
  • Full availability of the balance at any time without penalty.  

Taxation
 
 
After 5 years, the income is exempt from taxation. This product is part of the Long Term Savings Plans, which are characterised by the exemption from taxation of income from securities, provided that the product is not cancelled in full before 5 years. Banco Sabadell's Savings 5 Account, CIALP, is one of these Long Term Savings Plans and its legal status is an account (CIALP). 
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Do you have any questions? We're here to help you

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Customer Service

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Legal terms and conditions
1 In the event of total cancellation within five years of the first payment being made, the tax benefits will disappear and the interest accrued will become part of the savings tax base.
2 You can set up your savings routines via the Sabadell Savings Account linked to your Sabadell Online Account. Profitability of the account. 0% NIR 0% APR for daily positive balances, administration and maintenance fee. EUR 0/year. Account settled on a quarterly basis. 
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HomeSavings Savings Account 5, ILTSA
Start saving from today Open your ILTSA savings accountOpen your ILTSA savings account