Pension, not so sexy 

We know. But even though it might not be sexy, it sure is important. And thanks to YourCampus and Brand New Day, it’s really easy (and cheap) to secure your financial future. So let us help you to get started.

Why you should start saving up for later right away?

Besides the fact that a penny saved is a penny earned, you can also profit from some pretty sweet deals thanks to YourCampus. Let’s line them up:

 1  Save a lot of money

To start off, you will save €70 on opening accounts with us. Whether you open one or ten (different) accounts, you will not be charged any opening fees.

 2  Unlimited help from really nice people

Please remember this: we are here to make sure that you feel at ease about your future finances. Whether you want to start a full fiscal pension plan or just want a decent growing financial buffer for whatever. We are all ears and take all the time necessary for setting you up and helping you once you are underway.

 3  Start now, cheer later

Maybe not the most convincing reason, but the sooner you start, the cheaper your pension gets. This is because something called compound interest, which will make you really happy later. That is if you’re smart enough to start now.

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Plan a date

It’s your retirement, but we will help you along the way. Nothing to worry about: you can just relax, have some coffee and in the meantime ask us anything you want. We will guide you through the different options, calculate your fiscal benefits and (if needed) help you with setting up an account.

Every call is 100% unconditional.  You’re obligated to absolutely nothing.

How is my 30% Expat arrangement of influence on the benefit program?

If you choose for the investment account, your 30% expat arrangement will not have an influence on the benefit program. Over the 4% increase of your salary. 30% will not be taxed.

If you choose for the investment retirement account, your jaarruimte will be calculated on the basis of 70% of your income. The jaarruimte is calculated over your taxable income. In your 30% expat arrangement your taxable income is the 70%. If you would like to have more information about the 30% expat arrangement, feel free to plan an appointment with our pensiondesk.

What happens when I move to another country?

If you move to another country within the European Union you can remain a client with Brand New Day. In this case you can keep your account with us and can even make deposits. We keep investing your money.

If you choose to move to another country outside the European Union remaining a client with Brand New Day depends on the country you move to. In some cases you can remain our client, but cannot deposit any money. In this case you keep your account with us and we keep investing your money. In other cases you cannot remain a client with Brand New Day. If you know which country you want to move to you can make an appointment with our pensiondesk.

What happens when I get another job?

You will remain a client at Brand New Day. And if there is jaarruimte you can still make a deposit on the retirement account. Want to know for sure? Get in contact with us!

How do I apply for the benefit plan?

Make an appointment with our pensiondesk and we will contact you to set up you benefitplan. You just need to make a choice between the Savingsaccount, Investmentaccount or Retirement investmentaccount. If you have made your choice, we will help you set it up! And of course we’re more than willing to explain you all about the different accounts.

Do I pay anything to get started?

Our help is entirely free. Opening an actual account is too, but you might encounter afsluitkosten (45euro) that you have to accept with our general terms and conditions. If that is the case, it will also be mentioned in the default confirmation emails from Brand New Day. To be sure: the costs won’t actually be charged, but are part of our regular onboarding.

When you open an account together with an employee of BND, we will switch off the costs automatically. No actions needed from you here. Do you open this account by yourself, then please notify us by emailing your brand new IBAN (BND bank account number) to [email protected]. We will switch of the costs as soon as we hear from you.