How to get your Netherlands pension statement

Uniform Pensioenoverzicht (UPO)

Known in English as the Uniform Pension Statement. Look for this name on the site — it may not be translated.

• Your BSN (burgerservicenummer) — the Dutch citizen service number on old payslips, your zorgpas, or any correspondence from the Belastingdienst.
• A working DigiD. If you no longer live in the Netherlands you may need DigiD with the app or SMS verification rather than a Dutch address.
• The names of your former Dutch employers — mijnpensioenoverzicht shows the funds, but recognising the employer behind each one is easier with a list.

1. 1
   Open mijnpensioenoverzicht.nl

   This is the official government-backed aggregator. It shows your AOW (state pension) and every occupational pension registered to your BSN in one place — you do not need to contact each fund separately.

   Open this page ↗
2. 2
   Log in with DigiD

   Choose 'Inloggen' and authenticate with DigiD. The app is generally more reliable from abroad than SMS, which depends on your number still receiving Dutch texts.
3. 3
   Read the overview

   You will see a projected gross monthly amount at your AOW age, split between AOW and each occupational scheme, with the pension provider named next to each.
4. 4
   Download the detail per scheme

   Each occupational entry links to the administering fund. Your actual UPO — the document with accrued and projected figures — is downloaded from that fund's own portal, not from mijnpensioenoverzicht.
5. 5
   For AOW specifically, use SVB

   The Sociale Verzekeringsbank administers AOW. Your AOW build-up depends on years of Dutch residence (roughly 2% per insured year), so if you lived in the Netherlands only part of your life, expect a partial AOW.

   Open this page ↗

You don't have a DigiD, or it stopped working after you moved abroad

DigiD can be requested from abroad if you have a BSN; activation codes are posted internationally and take longer. If you are in an EU/EEA country you may also be able to log in with your own country's recognised eID.

Mijnpensioenoverzicht shows nothing, or misses an employer you remember

It only shows schemes registered against your BSN. Very old, transferred or bought-out entitlements can be missing. Contact the pension fund for that industry directly — most Dutch sectors have a single mandatory fund.

Your record is under a former name

The BSN, not the name, is the key. If a fund cannot find you, quote the BSN together with your date of birth and the exact employment dates.

Whether a non-resident can complete DigiD verification without a Dutch address varies by situation and has changed more than once; check the current DigiD guidance before assuming the online route is open to you.

Upload the statement to your vault and we'll read the figures out of it — balances, benefits, vesting and retirement ages — and tell you what changed since your last one.