Savings retirement account

With our savings retirement account, you set aside money for an additional, personal retirement fund – and possibly qualify for several serious tax benefits. To receive a full Dutch state pension (‘AOW’), you need to have lived and worked in the Netherlands for 50 years before reaching the legal pension age. But even if you’re eligible for AOW, that may not be enough.

Saving for your pension

May sound exciting, but is actually quite boring.

Every year, you could get a sizeable chunk (around 37% to 49%) of your deposit back from the Dutch tax authorities.
You don’t have to pay capital gains tax on the money in the retirement account.
With a term deposit in your pension account, you get a fixed, higher interest rate.
When you retire, it’s your responsibility to arrange for the money in your account to be paid out to you periodically as gross income.
This benefit is subject to several rules. For instance, you cannot easily withdraw your money until you reach the legal pension age. Check out all the conditions here.

Questions? One of our experts is happy to help you out. Make a phone appointment for whenever suits you.

Disclaimers

This page was created for commercial objectives only and does not contain all the necessary information.

For more information, please read other pages on our website or schedule a phone appointment with our information service desk, free of charge.

Please be aware that – other than this page and whenever you contact our friendly customer service – all our communication is in Dutch. If you anticipate that being a problem for you, we are probably not a good fit.