With a special pension account, you can put money aside for your pension. The capital in this account is intended for your pension, meaning that you cannot just withdraw money from the account. When you retire, you can have your pension top-up paid out on a regular basis as gross income.
Go to Mijnpensioenoverzicht and log in with your DigiD. You will see how much pension you can expect on the screen.
In addition to your state pension and employee pension, you’re also allowed to set some extra money aside for a top-up pension. You can deduct the amount from your taxable income, as long as this doesn’t exceed your annual margin.
Once you’ve done this you can start saving to top up your pension in a blocked pension account with a variable interest rate.
Go to Mijnpensioenoverzicht and log in with your DigiD. You will see how much pension you can expect on the screen.
In addition to your state pension and employee pension, you’re also allowed to set some extra money aside for a top-up pension. You can deduct the amount from your taxable income, as long as this doesn’t exceed your annual margin.
Once you’ve done this you can start saving to top up your pension in a blocked pension account with a variable interest rate.
The money you put aside for your pension in a pension account is intended for when you retire. The interest rate is variable and is currently 1.90%. We reserve the right to change the interest rate. The interest you accrue will be transferred to your account on 1 January every year.
You pay a €49 opening fee when you open your pension account. At ABN AMRO, a pension account is called the Pensioenaanvulling.
It's up to you to decide what money you want to put into your pension account:
If you already have a pension account with us, you can, for example, opt to deposit an amount automatically every month. You won’t have to think about it and you’ll accrue extra pension for later without noticing.
You must just make sure that the amount you deposit into your pension account every month or year stays within your annual or reserve space. You can then deduct this amount from your taxable income on your tax return.
The pension account is a special account that does, in principle, not allow any withdrawals by anyone before you retire.
If you do want to withdraw all the money in the account as a lump sum, this is called ‘commutation’. It’s important to think carefully about this, as it is subject to a commutation fee. On top of that, the Dutch Tax and Customs Administration may also impose a penalty for the commutation amount. If you’re considering withdrawing money, please get in touch.
If you decide to transfer the money in your ABN AMRO pension account to another bank or insurer before your state retirement age, you will be charged €150.
The funds in your pension savings account are covered by the Dutch Deposit Guarantee Scheme, meaning that your savings are automatically protected if the bank goes bankrupt, up to a maximum of €100,000 per person. The protection applies to the total amount you have (in all your accounts together) with ABN AMRO Bank N.V.
Banks are required to abide by the asset segregation requirement. This means that your investments cannot be classed as part of your assets. You are, however, eligible for the investor compensation scheme. For more information about this scheme, search for ‘Investor compensation’ on the English pages of the website of the Dutch central bank DNB.
Take a look at our terms and conditions:
Important information:
Look for answers to our frequently asked questions about pensio on our service page.
The Investment and Pension helpdesk is available on working days between 8 am and 9 pm and on Saturdays between 9 am and 5.30 pm.
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