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What does the Dutch pension system look like? How exactly does it work and what is the role of DNB? Where can you check how much pension you have built up so far?  A new pension system is underway. Why do we need a new system? And what exactly will change?

Our present pension system

The Dutch pension system consists of three parts, also referred to as the three pillars:

  • The first pillar is the state pension under the General Old Age Pensions Act (AOW).
  • The second pillar is the pension that employees are required to build up through their employer.
  • The third pillar consists of individual supplementary pension.

De Nederlandsche Bank supervises the pension providers in the second pillar, such as pension funds and insurers. We also supervise financial institutions that offer products in the third pillar, such as insurers and banks.

Our present pension system

Pension system review

Society is changing. We're all getting older on average. The share of pensioners compared to the number of workers is growing. Also, people no longer stay with the same employer all their working lives. That is why the government has concluded a new Pension Accord, with new agreements on pensions and AOW. De Nederlandsche Bank was an independent consultant in this process.

The new pension system

Your pension details 

Would you like to know how much pension you have built up so far?  Then visit the (Dutch-language) website mijnpensioenoverzicht.nl.  You need to log in with your DigiD or with a European recognised login token (eIDAS). If you have any questions about this website, please contact the mijnpensioenoverzicht.nl service desk at +31 20 751 2870 or send an e-mail to info@mijnpensioenoverzicht.nl.

Visit mijnpensioenoverzicht


How many people in the Netherlands build up pension through their employer? How much pension contributions do we all pay? You can see this and more in our statistics. For example, you can look up information about your own pension fund, such as the contribution you pay or its funding ratio.

Check out our statistics on pension providers