How to Get Your Netherlands Pension Statement

AOW-pensioenoverzicht & Uniform Pensioenoverzicht (UPO) · SVB

Step-by-step instructions to retrieve your certified statutory insurance and contribution record from Sociale Verzekeringsbank & MijnPensioenoverzicht (SVB). Under European Regulation (EC) No 883/2004, this statement is the official proof required to totalize your working years across member states.

Official Administering Portal: Mijn SVB & MijnPensioenoverzicht.nl →

View Netherlands Statutory Retirement Rules →

📋

What to Have Ready

Dutch Citizen Service Number (*Burgerservicenummer* / BSN - 9 digits)
Active DigiD credentials or European eIDAS identity
Current international residential address

🔐

Digital Identity Required

DigiD (with SMS or App verification) or eIDAS login

💡 Expats without domestic ID: See the dedicated workaround section below to request by post or through consular services.

5-Step Retrieval Walkthrough

Follow these steps on the live official portal to download your statement.

5 Steps

Access MijnPensioenoverzicht.nl or SVB.nl

For all statutory AOW and company pensions combined, open mijnpensioenoverzicht.nl. For state AOW exclusively, visit svb.nl.

Log in with DigiD or European eID

Authenticate using the DigiD app or your national EU digital identity via the eIDAS login gateway.

View Accrued AOW Percentage

The Netherlands operates a residency-based basic state pension (AOW) that accrues at 2% per insured year (50 years = 100%). The dashboard shows your exact percentage.

Review Company Pension Pots (Pillar 2)

MijnPensioenoverzicht lists all private workplace pension funds (e.g. ABP, PFZW, PMT, ING) from previous Dutch employers.

Download the Consolidated PDF Overview

Click 'Download pensioenoverzicht (PDF)' to obtain the complete overview of net and gross expected monthly income.

⚠️

How to Get Your Dutch Statement from Abroad (No DigiD)

Expats living abroad frequently get blocked because the portal demands a domestic tax code, local SMS number, or domestic digital identity. Here are the validated, legal workarounds:

**DigiD for Expats**: If you have a BSN and a valid passport, you can register for DigiD abroad via video call at the official DigiD desk or at Dutch border municipalities.

**Contact SVB Direct (Non-DigiD Form)**: Complete the contact form on svb.nl/en/aow-pension requesting your official *AOW-verzekeringsoverzicht* by post to your foreign address.

**SVB International Line**: Call the SVB International division at +31 20 656 4600.

**Small Pension Lump-Sum Warning**: Note that Dutch company pension funds frequently offer 'afkoop klein pensioen' (lump sum buyout of small pots); check the tax implications before accepting.

🇪🇺

How This Feeds into Your EU Cross-Border Pension

Under EU Regulation 883/2004, each year you lived or worked in the Netherlands yields 2% of the full statutory Dutch AOW pension, payable to you regardless of where in the EU you retire, without requiring a minimum vesting period.

🔍 Common Gaps to Check: Years spent living in the Netherlands without working (e.g. as a student or expat spouse) are insured under the AOW unless an explicit exemption was granted.

🚀 Free Statutory Simulation

Already have your Netherlands contribution statement?

Enter your accumulated years and discover your exact theoretical and pro-rata monthly pension under EU Regulation 883/2004.

Start Free Simulation →

Need Statements from Other European Countries?

Select another state where you have lived or worked to view its official statement retrieval guide:

Italy Germany France Spain United Kingdom Switzerland Austria Belgium Ireland Denmark Sweden Portugal Poland Luxembourg Malta