For HR teams and employer of record firms to hand to leaving staff
Leaving the Netherlands? Your pension in three steps
The SVB states that besides the AOW state pension you may have built up other pensions, for example through your employer. The Dutch government states that the SVB pays the AOW monthly into your account.
- Source: svb.nl, read
- Source: nederlandwereldwijd.nl, read
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The official routes come first here. Each line below names its official source and the date we read it. We identify; we do not advise.
1. What to keep before you leave
- Every letter from a Dutch pension fund, with the pension number on it.BPL Pensioen states that your pension number is in the letters it sends you.Source: bplpensioen.nl, read 15 October 2026
- Your full name at birth, your date of birth and any fund customer number.The StiPP contact form asks for your full name at birth, your date of birth and your customer number.Source: stippensioen.nl, read 15 October 2026
- Your BSN, the Dutch citizen service number.Mijnpensioenoverzicht.nl states that a person living abroad with a Dutch BSN can apply for a DigiD.Source: mijnpensioenoverzicht.nl, read 15 October 2026
- Your new address abroad, and the date you report it to the Dutch Non-Residents Register (RNI).BPL Pensioen states that if you move abroad you must report your new address to the Registratie Niet-Ingezetenen (RNI).Source: bplpensioen.nl, read 15 October 2026
2. The official route from abroad
- Mijn Pensioenoverzicht: National pension register showing AOW state pension and workplace pension entitlements. ETS founding member.Source: mijnpensioenoverzicht.nl, read 6 September 2026
- Mijn Pensioenoverzicht is login-only with DigiD or eIDAS and offers no postal route.Source: mijnpensioenoverzicht.nl and DigiD aanvragen in het buitenland, read 3 October 2026
Official contacts
- Mijnpensioenoverzicht.nl: https://www.mijnpensioenoverzicht.nl/Source: mijnpensioenoverzicht.nl, read 15 October 2026
- SVB (Sociale Verzekeringsbank), AOW from abroad: https://www.svb.nl/nl/aow/uw-zaken-regelen/aow-aanvragen-buiten-nederlandSource: svb.nl, read 15 October 2026
3. Clocks that start on leaving
From our deadline register and the official sources it cites.
- Voluntary AOW insurance, which keeps AOW building up while living or working abroad, must be applied for before leaving the Netherlands or within one year after leaving.Source: nederlandwereldwijd.nl, read 1 September 2026
- Under the Pensioenwet, a workplace pension of no more than 2 euros a year lapses when participation ends, unless the member moved to another EU member state and informed the fund.Source: officielebekendmakingen.nl, read 15 October 2026
- A person living outside the Netherlands must apply for their AOW pension themselves six months before reaching AOW pension age.Source: nederlandwereldwijd.nl, read 1 September 2026
- Pension funds, insurers, premiepensioeninstellingen, employers and unions must have converted all existing pensions into the new Wet toekomst pensioenen system by 1 January 2028.Source: rijksoverheid.nl, read 1 September 2026
We write to most pension authorities in the countries we cover, stay in contact with them and update our facts as they answer. Read their written answers.
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Free to print and hand out. Printed from pensionhunter.ai/leaving/netherlands. Facts read up to 15 October 2026; each line carries its own read date.
More on this country: your pension after leaving the Netherlands.