2026 Statutory Regimes

Minimum Pension in Europe (2026)

Comprehensive comparison of Ireland's State Pension baseline rates, PRSI vesting thresholds, means-tested schemes, and European cross-border aggregation rules.

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Active 16 Statutory Regimes 16 / 16 Member States

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Member State	Social Protection Authority	Minimum Pension (2026)	Statutory Scheme & Formula	Means Testing & Income Limit	EU Exportability (Reg. 883/2004)	Statutory Guides
Italy (IT)	INPS	€614.77 / month Integrazione al minimo / Social Allowance €534.41	Statutory top-up (Art. 6 Law 638/1983) on mixed pensions. Non-contributory Social Allowance for residents.	Personal income threshold (€7,992) and spousal limit (€15,984). Contributory pension paid without ceiling.	Top-up exportable within EU for pre-1996 awards. Social Allowance strictly non-exportable (Annex X).	Full Guide → Timeline
Germany (DE)	DRV	~€563 / month + Housing allowance / Grundrente with 33y insurance	Grundsicherung im Alter (SGB XII basic guarantee). Grundrente supplement (SGB VI) with 33+ years.	Grundsicherung strictly means-tested on income/wealth. Grundrente verified automatically with tax revenue.	Grundsicherung non-exportable under Annex X. Grundrente pension supplement exportable to Ireland.	Full Guide → Timeline
France (FR)	CNAV	€733.03 – €876.13 / month Minimum Contributif MICO / ASPA €1,012	Minimum Contributif (MICO) pro-rated by qualifying quarters. ASPA solidarity payment from age 65.	MICO capped by maximum total pension (€1,367/mo). ASPA strictly means-tested on worldwide income (€1,012).	MICO fully exportable to Ireland. ASPA strictly non-exportable; requires physical residence in France.	Full Guide → Timeline
Spain (ES)	INSS	€783.30 – €1,033.30 / mo Complemento a Mínimos / 14 annual payments	Complemento a mínimos top-up paid by INSS for contributory pensions with 15 qualifying years.	Annual non-pension income limit (€8,900 single, €10,384 with dependent spouse).	Complemento a mínimos non-exportable outside Spain (Annex X). Revoked upon establishing residence in Ireland.	Full Guide → Timeline
Switzerland (CH)	ZAS	CHF 1,225 / month ~€1,260 / Minimum AHV/AVS pension Scale 44	Statutory minimum AHV pension with 44 contribution years (Scale 44). Supplementary EL welfare benefits.	Contributory AHV paid without means testing. Supplementary benefits (EL) strictly means-tested.	AHV pension fully exportable to Ireland. Supplementary EL payments cease upon departure from Switzerland.	Full Guide → Timeline
United Kingdom (UK)	DWP	£218.15 / week ~€945/mo Pension Credit guarantee / Full NSP £221.20	Pension Credit guarantees weekly income floor. Contributory New State Pension requires 35 NI years.	Pension Credit strictly means-tested. State Pension paid independently of assets or earnings.	State Pension fully payable in Ireland under CTA & TCA. Pension Credit strictly non-exportable outside UK.	Full Guide → Timeline
Austria (AT)	PVA	€1,217.96 / month Ausgleichszulagen-Richtsatz / 14 payments	Ausgleichszulage top-up raises contributory pensions to standard statutory baseline (paid 14x/year).	Rigorous means test applied to net household income, including cohabitants.	Ausgleichszulage is strictly non-exportable under Annex X. Requires habitual residence in Austria.	Full Guide → Timeline
Belgium (BE)	SFP	€1,738.58 / month Guaranteed Minimum Pension / GRAPA €1,490	Guaranteed Minimum Pension for 30+ career years (pro-rated in 45ths). GRAPA income support.	Contributory minimum paid without means test once vested. GRAPA strictly means-tested.	Contributory minimum fully exportable to Ireland. GRAPA strictly non-exportable outside Belgium (Annex X).	Full Guide → Timeline
Netherlands (NL)	SVB	€1,480.00 / month Universal AOW single rate / AIO top-up	Universal residence AOW pension (2% per year lived/worked in NL between 17 and 67). AIO top-up.	Standard AOW paid without means test. AIO supplement strictly means-tested on worldwide assets.	AOW fully exportable to Ireland (pro-rated). AIO top-up strictly non-exportable outside NL (Annex X).	Full Guide → Timeline
Sweden (SE)	PM	~SEK 11,600 / month ~€1,020 / Garantipension + Housing allowance	State Garantipension from 3 residence years (full at 40). Tapers against contributory earnings-related pension.	Offset against statutory earnings-related pension. Housing supplement strictly means-tested.	Severely restricted export to EU following recent statutory amendments. Housing top-up non-exportable.	Full Guide → Timeline
Portugal (PT)	ISS	€319.49 – €462.61 / month Pensão Mínima de Velhice / CSI Solidarity €500+	Graduated statutory minimum by contribution brackets (<15y: €319, 15-20: €339, 21-30: €373, >30y: €462). CSI top-up.	Contributory minimum paid without means test. CSI solidarity supplement strictly means-tested.	Contributory minimum fully exportable to Ireland. CSI solidarity allowance non-exportable (Annex X).	Full Guide → Timeline
Poland (PL)	ZUS	1,780.96 PLN / month ~€415/mo Guaranteed minimum pension	Automatic state top-up to minimum rate upon completing 20y (women) or 25y (men) of insurance.	No means testing: entitlement is based strictly on qualifying contribution records.	Fully exportable to Ireland and all EU/EEA jurisdictions (Art. 7 Reg. 883/2004).	Full Guide → Timeline
Ireland (IE)	DSP	€277.30 / week ~€1,201/mo Max State Pension Contributory / Non-Contributory €266	State Pension (Contributory) based on 520 paid PRSI contributions. Means-tested State Pension (Non-Contributory).	Contributory State Pension is non-means-tested. Non-Contributory version is strictly means-tested.	Contributory State Pension fully payable worldwide. Non-Contributory version strictly non-exportable (Annex X).	Full Guide → Timeline
Luxembourg (LU)	CNAP	€2,250.00 / month Statutory Minimum Pension / 40 insurance years	Statutory minimum pension guaranteed for 40 career years (prorated by 1/40th per completed year).	No means testing or asset evaluation on statutory contributory minimum pension.	Fully exportable without reduction to Ireland and all EU/EEA jurisdictions.	Full Guide → Timeline
Malta (MT)	DSS	€213.54 / week ~€925/mo National Minimum Pension / Two-Thirds floor	National Minimum Pension guarantee under Two-Thirds scheme with average of 50 annual contributions.	Contributory minimum pension is non-means-tested. Non-contributory welfare pensions are strictly means-tested.	Fully exportable to Ireland and across the EU under Regulation (EC) No 883/2004.	Full Guide → Timeline
Denmark (DK)	ATP	~DKK 7,100 / month ~€950/mo Folkepension Grundbeløb + Pension supplement	Universal Folkepension (Grundbeløb base) built on 40 residence years (15–67). Pensionstillæg income supplement.	Grundbeløb unaffected by other pensions. Pensionstillæg top-up strictly means-tested against all income.	Grundbeløb exportable to Ireland (pro-rated). Pensionstillæg subject to strict residence constraints.	Full Guide → Timeline

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Contributory vs Non-Contributory State Pensions in Ireland

Ireland provides a flat-rate State Pension (Contributory) based on PRSI contributions, and a means-tested State Pension (Non-Contributory) for habitual residents.

EU aggregation allows periods insured across the EU to satisfy the 520 PRSI paid contribution requirement.

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Exportability to the EU, UK, and Worldwide

The Contributory State Pension is fully payable abroad across the EU and worldwide under Article 7 of Regulation (EC) No 883/2004.

The Non-Contributory pension is strictly non-exportable under Annex X.

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Pro-Rata Calculations for Mobile Workers

The Department of Social Protection (DSP) applies bilateral and EU pro-rata rules to ensure cross-border workers receive an equitable share.

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🏛️ Statutory Age

Retirement Age in Europe

Official statutory retirement ages, early pension pathways, and 2026 reform timelines across all EU/EEA member states and Switzerland.

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💶 Pension Taxation

Pension Taxation & DTTs

OECD Model Tax Convention rules (Arts. 18 & 19), 7% flat-tax expat regimes, source withholding, and double taxation avoidance in 16 states.

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Frequently Asked Questions

Is there a unified minimum state pension across the European Union? ▼

No. The EU coordinates social security rights under Regulation 883/2004, but national minimum pension baselines remain sovereign.

Can I export Ireland's State Pension abroad? ▼

The State Pension (Contributory) is payable worldwide. The means-tested Non-Contributory pension is non-exportable under Annex X.

Do social insurance periods from other EU countries count for the Irish State Pension? ▼

Yes. PRSI periods and European insurance records are combined under EU aggregation rules to satisfy qualifying thresholds.

Which European nation guarantees the highest statutory minimum pension in 2026? ▼

Luxembourg guarantees the highest minimum rate at approximately €2,250 per month, followed by Belgium at €1,738.58.

Are overseas pensions means-tested against Irish supplementary benefits? ▼

Yes. The Department of Social Protection includes all foreign pensions when assessing income limits for means-tested payments.