Turkey put every legacy fund into one SGK record, and citizens abroad can read it once the e-Devlet gate is open. We identify what is in your name and hand you the route in. $99, full refund if we find nothing material.
SSK, Bag-Kur and Emekli Sandigi did not disappear. They became 4/a, 4/b and 4/c inside SGK, and the hizmet dokumu shows them together. The gate is the e-Devlet password, and for Turkish citizens that gate opens at any embassy or consulate.
Research date: 2026-08-10.
Why this market matters
Turkey's private pension layer, the Bireysel Emeklilik Sistemi, does not wait forever. Under the mechanism in force as of August 2026, an account left inactive for ten years is treated as unclaimed and the balance is transferred to the Turkish Treasury through the central bank, the TCMB. The state layer at SGK behaves differently: a service record simply sits there until someone reads it.
That is a mechanism, not a prediction about your own money. We cannot tell you in advance whether a BES contract exists in your name, or how far any clock has run. What we can do is establish, from the official routes, which institutions hold a record for you and what each of them asks of a person living abroad.
Turkish private pension legislation as described above, checked August 2026. Nothing here is a guarantee about an individual account.
Start here
$99
Country Pension Identification Report, Turkey
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report, $499: your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report, $799: the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
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.
sgk.gov.tr, telephone ALO 170.
Turkish citizens can obtain the e-Devlet password at embassies and consulates. That single administrative decision keeps the whole diaspora inside the digital system, and it is why a Turkish worker in Germany or the Netherlands can read their own service record tonight.
Foreign nationals who worked in Turkey and left cannot do the same. Password issuance for foreigners is handled at PTT offices inside Turkey. The honest answer for that group is the written route to SGK, not a workaround.
Dormant BES money is forfeited to the Treasury after ten years unclaimed. Unlike the state layer, where a record simply waits, this one has an end. The BES account query on e-Devlet, through EGM and Takasbank, is the check that settles it in minutes.
Bilateral social security agreements are in force with Germany since 1965, the Netherlands since 1968, Belgium since 1968 and France since 1973. Periods on both sides can be considered together, so a short Turkish record is rarely worthless.
The hizmet dokumu, the SGK service record. It lists insured days and employers across 4/a, 4/b and 4/c, which means it covers the old SSK, Bag-Kur and Emekli Sandigi periods in one place. It is available through e-Devlet.
Yes. Turkish embassies and consulates issue the e-Devlet password, which puts the diaspora in Germany, the Netherlands and elsewhere on exactly the same footing as someone standing in Turkey. This is one of the most practically useful facts on this page.
The digital route is closed to you, and we will not pretend otherwise: password issuance for foreign nationals is carried out at PTT offices inside Turkey only. The written route to SGK is the realistic path, and the ALO 170 line is the published telephone contact.
That is what yurtdisi borclanma under Law 3201 is for. Citizens, and Mavi Kart holders, may pay to have time worked abroad counted as Turkish pension years. Whether it is worth doing is an arithmetic question specific to your record.
Yes, and it is a real one. Dormant BES private pension money is forfeited to the Treasury after ten years unclaimed. The BES account query sits on e-Devlet through the EGM and Takasbank services, so if there is any chance a private plan exists, that is the check to run now rather than later.
Every statement above is drawn from official Turkish material published by SGK and on e-Devlet.
Start here
$99
Country Pension Identification Report, Turkey
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report, $499: your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report, $799: the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
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 assist with claiming or accessing 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.