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Worked through a temp agency in the Netherlands? Your pension is probably at StiPP

Dutch law makes StiPP compulsory for agency workers: anyone working for a temporary work agency under an agency contract builds up pension there from age 18.Source: officielebekendmakingen.nl, read 2026-10-15

The Minister of Social Affairs and Employment signed the current decision on 3 June 2025, in force from 1 January 2026.Source: officielebekendmakingen.nl, read 2026-10-15

Which work it covers

Official text“Het is wettelijk bepaald dat werknemers in de uitzend- en detacheringsbranche bij StiPP pensioen opbouwen.”Source: stippensioen.nl, read 2026-10-15

An agency that works mainly in one sector, such as road transport or metal, can fall under that sector's own fund instead. Agency drivers are usually with StiPP; Pensioenfonds Vervoer says so itself.Source: pfvervoer.nl, read 2026-10-15

Seasonal work in agriculture placed through an agency follows the same rule: the BPL decision does not treat an agency as an agricultural employer, so the agency worker's pension is with StiPP.Source: officielebekendmakingen.nl, read 2026-10-15

If you left the Netherlands

The pension stays with StiPP when you move abroad.Source: stippensioen.nl, read 2026-10-15

Without DigiD, StiPP says people in another EU country may be able to log in with their own national login.Source: stippensioen.nl, read 2026-10-15

Deadline: A pension of 2 euros a year or less lapses to the fund when participation ends, unless you moved to another EU country and told the fund at the time.Source: officielebekendmakingen.nl, read 2026-10-15

How to reach StiPP from abroad

StiPP (Stichting Pensioenfonds voor Personeelsdiensten)

StiPP answers questions sent in English, Polish or German in Dutch.Source: stippensioen.nl, read 2026-10-15

What to send

  1. Your full name at birth and your date of birth.Source: stippensioen.nl, read 2026-10-15
  2. Your StiPP customer number, if you have a letter from StiPP.Source: stippensioen.nl, read 2026-10-15
  3. Your current address abroad. Report a move abroad to the Dutch Non-Residents Register (RNI) as well.Source: pfvervoer.nl, read 2026-10-15

Once the pension is paid

If you live abroad, StiPP asks every year for a proof of life statement.Source: stippensioen.nl, read 2026-10-15

Deadline: If StiPP does not receive the statement, it stops paying the pension.Source: stippensioen.nl, read 2026-10-15

The Dutch state pension is separate

AOW, the Dutch state pension, comes from the government through the SVB, not from StiPP.Source: stippensioen.nl, read 2026-10-15

You can apply for AOW from abroad without DigiD or a BSN, six months before your AOW age.Source: svb.nl, read 2026-10-15

Questions people ask

What is StiPP?

The pension fund for temporary agency workers and seconded workers in the Netherlands, compulsory by law for agency workers.Source: officielebekendmakingen.nl, read 2026-10-15

Does my StiPP pension disappear when I leave the Netherlands?

No. StiPP states that the pension stays with the fund when you move abroad.Source: stippensioen.nl, read 2026-10-15

Can I write to StiPP in Polish or English?

Yes, but StiPP answers in Dutch.Source: stippensioen.nl, read 2026-10-15

Is the Dutch state pension paid by StiPP?

No. AOW is paid by the SVB and is separate from your StiPP pension.Source: stippensioen.nl, read 2026-10-15

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