After leaving Netherlands

Your pension after leaving Netherlands

The free official route for the Netherlands is Mijn Pensioenoverzicht. It shows your AOW state pension and workplace pension entitlements, and opens with DigiD or eIDAS. Someone living outside the Netherlands applies for AOW themselves with the Sociale Verzekeringsbank (SVB), 6 months before reaching AOW pension age.

Source: mijnpensioenoverzicht.nl, read 6 September 2026
Source: svb.nl, read 1 September 2026

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Your Dutch pension is being moved into the new system (Wtp / invaren) by 1 January 2028, funds must inform members but often cannot reach those who moved abroad.

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Full refund if we find nothing material.

Verified country facts

Every line below comes from our country research. Where we have not found a published source, we say so rather than fill the gap.

Time-critical dates

Update your address before your fund converts: Dutch funds are converting all pensions to the new system by 1 January 2028, deferred members included, with no individual objection right, and they write to last known addresses. Update your address with every old fund before yours converts.
Wtp transition final date: All pension schemes must be on the new system by 1 January 2028, extended from 1 January 2027 by the Eerste Kamer on 2 December 2025.Official source, checked 16 September 2026

How records are reached

Getting your own record: DigiD (or EU eIDAS (an EU electronic ID)) for mijnpensioenoverzicht.nl (AOW (the Dutch state pension) + all second-pillar)

mijnpensioenoverzicht.nl consolidates AOW + every second-pillar pension in one place behind DigiD, and the DNB (De Nederlandsche Bank, which supervises Dutch pension funds) register is publicly searchable. What makes the Netherlands distinctive is that Dutch workplace pensions are not employer-by-employer in the way they look, they are industry-sector by mandate, which means identification has more signal than most countries offer, but the third pillar (lijfrente) sits entirely outside the register and is the most-missed layer.

Cross-border

EU coordination; NZ↔NL voluntary-AOW carve-out from the s.70 deduction (rare).

Primary sources: DNB public register · mijnpensioenoverzicht.nl · rijksoverheid.nl / SVB

Everything above is drawn from the verified Netherlands dossier. The Netherlands country page sets out what we identify, what it costs and who it is for.

Frequently asked questions

Can I still draw my Netherlands pension if I live abroad?

mijnpensioenoverzicht.nl opens only with DigiD, which needs a BSN, or an EU eIDAS key. Two real gaps remain: a lapsed DigiD plus a closed Dutch bank account is a slow re-onboarding problem, and heirs have no access route at all because DigiD locks on death, a citable gap, not a workaround.

What happens to a Netherlands pension if I do nothing?

The accrued pension is converted ("invaren") into the new system whether or not the member is reached; no escheat and payment entitlements never prescribe while alive, but months beyond the backdating window are lost on eventual application.

Do you give financial advice on what to do with a Netherlands pension?

No. We identify the scheme and access route. We do not advise on transfer, consolidation, drawdown, or taxation, those decisions belong with a regulated adviser in your country of residence.

What if you find nothing?

Full refund. Our report is a fixed $99 fee, paid up front. If we find nothing material, we refund you in full.