What are they and what purpose do they serve

EPSVs are voluntary, non-profit organisations established in the Basque Country for the purpose of protecting their associates from a number of situations.

Fundamentally, EPSVs pay pensions supplementary to those provided by the Social Security so that, once the age of retirement has been reached, an associate can receive an amount that is as close as possible to the last sum paid in the form of wages as an active worker.

We have four types of EPSVs:

  • Associated – those promoted by groupings and associations.
  • Employment – those originating within companies.
  • Individual – those promoted by financial organisations.
  • Non-differentiated – no pensions are paid, although coverage is provided for expenses arising from burials, damages at home, boats, etc., owned by the associate.


Economic rights originating from an EPSV will help you to:

  • Maintain quality of life for you and your family once you retire.
  • Obtain tax deductions for contributions made over the years.


The sooner you plan your supplementary pension in addition to your public pension, the sooner you will achieve what we call the “capitalisation miracle" that consists in obtaining the highest possible profits or yield with as small an effort as possible.

As the contributions made are added to the yield that is gradually generated, total equity increases over time and profits grow progressively with very little effort.