Netherlands → Germany
Pensions accrued in Netherlands and Germany are administered separately by each country's providers and registers. We do the identification work in both jurisdictions, the route is different in each, and we use the verified route per country.
Find my pensionsFull refund if we find nothing material.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
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.
The accrued pension is converted ("invaren") into the new system whether or not the member is reached; no escheat and payment claims never prescribe while alive, but months beyond the backdating window are lost on eventual claim.
Personal-record access wall: DigiD (or EU eIDAS) for mijnpensioenoverzicht.nl (AOW + all second-pillar)
mijnpensioenoverzicht.nl consolidates AOW + every second-pillar pension in one place behind DigiD, and the DNB 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.
From abroad: DigiD is obtainable from abroad (videocall/balie with a BSN), EU eIDAS keys work, and AOW is claimable from abroad through your residence-country institution without DigiD. 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.
EU coordination; NZ↔NL voluntary-AOW carve-out from the s.70 deduction (rare).
Primary sources: DNB public register · mijnpensioenoverzicht.nl · rijksoverheid.nl / SVB
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
The §210 contribution refund irreversibly extinguishes the ENTIRE record (old-age, disability, survivor cover, all credited periods), yet with 60 totalized months you may already hold a vested pension; plus the Mütterrente child-raising screen.
The record never lapses by inaction, but late claiming permanently forfeits months past the §99 3-month window (post-67 delay partly offset). DRV stops proactive contact ~3 years after leaving.
Personal-record access wall: Digitale Rentenübersicht (German/EU eID + Steuer-ID; third-country leavers locked out)
A postal DRV Kontenklärung route is available, startable with only the lifelong Versicherungsnummer, no eID, results posted
From abroad: Germany is unusual among walled markets: the personal record can be opened from abroad with only the lifelong insurance number, no eID required, the genuine difficulty is occupational (bAV), which has no national register at all and where employer continuity over decades is the bottleneck.
Totalization across EU/EEA/CH + ~18 bilaterals (incl. US, CA, AU, JP, IN); German periods <12 months absorbed by the other EU state.
Primary sources: deutsche-rentenversicherung.de · gesetze-im-internet.de (SGB VI)
Netherlands and Germany pensions are not pooled or auto-consolidated. Each leg is worked on its own: registers searched in Netherlands, registers searched in Germany, and contact details surfaced where the dossier supports it. State pensions may be affected by bilateral or reciprocal agreements between the two jurisdictions, each country page records what its dossier establishes; we do not invent treaty effects.
Yes. Our report covers identification work in both Netherlands and Germany as separate jurisdictions. Each country's pensions are administered locally; we work each one using the access route published on its country page.
No. Pensions accrued in Netherlands stay with Netherlands schemes; pensions accrued in Germany stay with Germany schemes. They are administered separately. Bilateral and reciprocal agreements may affect state pension aggregation in some pairs, see each country page for what its dossier records.
An identification-only report covering both jurisdictions: registers searched, any provider matches with contact details, and any registers that require you to check directly using your own credentials. We do not give financial advice, transfer pensions, or estimate values.
Full refund if we find nothing material. Fixed fee, $99 Country Pension Identification Report, $499 Enhanced Pension Identification Report, $799 Global (covers all requested countries).