Latvia, country page
Research date: 2026-08-09. On that date the state portal's authentication page and the asset-manager register were unreadable to us.
The Latvijas Banka page still names Financial and Capital Market Commission regulations although Latvijas Banka has absorbed the function, so we attribute supervision to Latvijas Banka.
Everyone for whom Latvian social insurance contributions are paid and who was born after 1 July 1971 participates automatically in pension level 2, the valsts fondeto pensiju shema. If you did not choose a plan yourself, one was assigned automatically. The Commission's 2025 guide agrees.
manapensija.lv, pension level 2, ec.europa.eu, Your social security rights in Latvia, 2025
Someone who worked in Latvia for eighteen months two decades ago, never filled in a form and emigrated still has a named asset manager and an investment plan they have never heard of. The money sits with that private manager. VSAA is only the record-keeper.
Neither arrives unless you ask for it.
Information about participation in the second pension pillar.
Says whether you are a participant, and names the selected asset managers and investment plans. Free.
The account statement of a participant of the second pension pillar.
Gives the balance. Free. Sent within 15 days, or 30 with extra processing.
vsaa.gov.lv, account statement, vsaa.gov.lv, account statement in English
A participant may register, before the pension is granted, one of three choices for the capital on death: inheritance under the Civil Law, addition to another person's second-pillar capital, or credit to the state pension special budget.
In an article dated 29 October 2020 VSAA reported that almost 90 per cent of participants had not chosen, and stated that it credits the capital to the state pension special budget in all cases where there is no application from the person. That is quoted here with its date attached, and it must be re-verified. It is not stated here as current law in the abstract.
Where inheritance was registered the window is long but finite. In an article dated 3 September 2024 VSAA states that heirs may apply for the inheritable share within 10 years from the day of death, and records over 1,000 second-pillar inheritances nobody has applied for between January 2020 and December 2023.
For an executor: if the deceased worked in Latvia and was born after 1 July 1971 there is a pot, defaulting to the state or inheritable, and the clock runs from the date of death.
20 years and age 65, the rule in force from 1 January 2025, per VSAA. The minimum required insurance period is the apdrosinasanas stazs. The Commission's 2025 guide agrees. Re-verify before relying on it.
The application must be made not earlier than one month before that age.
vsaa.gov.lv, granting and payment of the old-age pension, vsaa.gov.lv, vecuma pensija service page
Nothing is pushed to you. The state will not come looking for you.
VSAA states that if the Latvian insurance period is not sufficient to create the right to a Latvian old-age pension, the periods of other EU and EEA Member States are also taken into account, and the Commission says the same. So four years in Latvia is not four against twenty and therefore nothing.
vsaa.gov.lv, pensions in the EU, Your Europe, state pensions abroad
VSAA publishes agreement pages for the United States of America, Australia, Belarus, Estonia, Canada, the Russian Federation, Lithuania, Ukraine, Guernsey and Moldova. We state only that agreements exist.
The two certificates above, the pension forecast and, for an estate, information on succession of accumulated capital in pensions tier 2, by free-form application. VSAA states those certificates are free.
vsaa.gov.lv, information on succession of accumulated capital in pensions tier 2
The personas kods is the Latvian personal identity code and the record key in practice. The pages we read specify an identification document, a passport or ID card, and none states that the personas kods is the required identifier, so we could not confirm it as an official requirement.
The portal needs a Latvian digital identity, and the Latvian service page asks for a time-stamped secure electronic signature for electronic requests, so a leaver without Latvian e-credentials is shut out of the online route.
The portal. It is latvija.gov.lv, also called www.latvija.lv in older English text.
Language. The English site is parallel, the forms Latvian. vsaa.gov.lv, second-pillar application forms
If you live in another EU or EEA Member State, submit the application to the competent institution of your place of residence, which forwards it to VSAA. The channels are the portal, on site with an identification document, electronically with a secure electronic signature, or through that foreign authority.
vsaa.gov.lv, pensions in the EU
A notice of 2 December 2023 says replies come within about one week.
The capital is used only when the state old-age pension is requested.
vsaa.gov.lv, transfer of second-pillar capital for a life annuity policy
Apply to VSAA between 1 October and 15 December for continuation of payments for the following year. A notarial statement of being alive is normally required unless the application carries a secure electronic signature. Diarise it.
Ordered by how often the missing item stops everything.
That removes the automatic second pillar, but it does not mean there is nothing. Such a person may still have level 1 rights, and VSAA runs a voluntary-participant registration whose rules we could not verify.
That is a wait, not a rule-out. The certificates and the forecast can be had now.
Yes. Everyone for whom Latvian social insurance contributions are paid and who was born after 1 July 1971 participates automatically in pension level 2, the valsts fondeto pensiju shema, and if you did not choose a plan yourself one was assigned automatically. The European Commission's 2025 guide agrees. So someone who worked in Latvia for eighteen months two decades ago, never filled in a form and emigrated still has a named asset manager and an investment plan they have never heard of. The money sits with that private manager; VSAA is only the record-keeper.
Two, and neither arrives unless you ask. Informacija par dalibu pensiju 2. limeni, information about participation in the second pension pillar, says whether you are a participant and names the selected asset managers and investment plans; it is free. Pensiju 2. limena dalibnieka konta izraksts, the account statement of a participant of the second pension pillar, gives the balance; it is free, available through the portal, in person, electronically or by post, and sent within 15 days, or 30 with extra processing. The English mirror of the statement page adds post or email, and in person an identification document or a power of attorney.
A participant may register, before the pension is granted, one of three choices for the capital on death: inheritance under the Civil Law, addition to another person's second-pillar capital, or credit to the state pension special budget. In an article dated 29 October 2020 VSAA reported that almost 90 per cent of participants had not chosen, and stated that it credits the capital to the state pension special budget in all cases where there is no application from the person. That default is quoted here with its 29 October 2020 date and must be re-verified before it is relied on.
Where inheritance was registered the window is long but finite. In an article dated 3 September 2024 VSAA states that heirs may apply for the inheritable share within 10 years from the day of death, and records over 1,000 second-pillar inheritances nobody has applied for between January 2020 and December 2023. For an executor: if the deceased worked in Latvia and was born after 1 July 1971 there is a pot, defaulting to the state or inheritable, and the clock runs from the date of death.
20 years and age 65, the rule in force from 1 January 2025, per VSAA. The Commission's 2025 guide agrees. Re-verify before relying on it. The application must be made not earlier than one month before that age.
No. Nothing is pushed to you. The state will not come looking for you.
Yes. VSAA states that if the Latvian insurance period is not sufficient to create the right to a Latvian old-age pension, the periods of other EU and EEA Member States are also taken into account, and the Commission says the same. So four years in Latvia is not four against twenty and therefore nothing.
VSAA publishes agreement pages for the United States of America, Australia, Belarus, Estonia, Canada, the Russian Federation, Lithuania, Ukraine, Guernsey and Moldova. We present that strictly as agreements exist.
If you live in another EU or EEA Member State, submit the application to the competent institution of your place of residence, which forwards it to VSAA. The channels are the portal, on site with an identification document, electronically with a secure electronic signature, or through that foreign authority. For a reader with no Latvian digital identity, the foreign authority route is the useful one.
No. The capital is used only when the state old-age pension is requested.
Yes. Apply to VSAA between 1 October and 15 December for continuation of payments for the following year. A notarial statement of being alive is normally required unless the application carries a secure electronic signature. Diarise it.
The free official route is genuinely open from abroad. Use it if you already know which institution holds the record. Our value here is smaller, and we say so plainly.
We identify which institution or asset manager held the scheme when an employer merged or a fund was absorbed, distinguish the two pension levels, and set out what that institution needs from you.
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Country Pension Identification Report, $99: We identify who holds each pension from each country of your working life that you tick, with the source and the contact route for every holder. If an administrator asks, refuses or does not reply, send it to us and we tell you what to send next.
Enhanced Pension Identification Report, $499: Everything in the Country Report, plus a complete information request for every fund identified, written and ready for you to send. Support after delivery for as long as your case is open.
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Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension. Everything below is the free official route, and it stays free: you are welcome to use it instead.
Important Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or help anyone apply for or access pension funds.
PensionHunter is not regulated by the Financial Conduct Authority (FCA) or any equivalent financial-services or pensions regulator in your jurisdiction. Our service is limited to research and information provision. We charge a fixed research fee paid in advance. Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.