Commencement date of pension

The age at which you can start receiving your state pension in the Netherlands, Belgium or Germany has been raised or will be raised in the near future.  

If you get a pension from 2 or more countries, your pensions may start on different dates. 

Choose what you want to know more about:

It could be better for you to ask for your Belgian state pension to start at a later date. This will depend on your personal situation. For more information, please contact the Bureau for Belgian Affairs (BBZ).

Born between AOW pension age Pension age for rustpensioen
January 1953 and December 1953 66 years and 4 months 65 years
January 1954 and December 1954 66 years and 4 months 65 years
January 1955 and August 1955 66 years and 4 months 65 years
September 1955 and December 1955 66 years and 7 months 65 years
January 1956 and May 1956 66 years and 7 months 65 years
June 1956 and December 1956 66 years and 10 months 65 years
January 1957 and February 1957 66 years and 10 months 65 years
March 1957 and December 1957 67 years 65 years
January 1958 and December 1958 67 years 65 years
January 1959 and January 1960 67 years 65 years
February 1960 and December 1960 67 years 66 years
January 1961 and December 1961 not yet known 66 years
January 1962 and December 1962 not yet known 66 years
January 1963 and December 1963 not yet known 66 years
January 1964 and January 1965 not yet known 66 years
February 1965 and December 1965 not yet known 67 years

It could be better for you to ask for your German state pension to start at a later date. This will depend on your personal situation. For more information, please contact the Bureau for German Affairs (BDZ).

Born between AOW pension age Pension age for Regelaltersrente
January 1953 and December 1953 66 years and 4 months 65 years and 7 months
January 1954 and December 1954 66 years and 4 months 65 years and 8 months
January 1955 and August 1955 66 years and 4 months 65 years and 9 months
September 1955 and December 1955 66 years and 7 months 65 years and 9 months
January 1956 and May 1956 66 years and 7 months 65 years and 10 months
June 1956 and December 1956 66 years and 10 months 65 years and 10 months
January 1957 and February 1957 66 years and 10 months 65 years and 11 months
March 1957 and December 1957 67 years 65 years and 11 months
January 1958 and December 1958 67 years 66 years
January 1959 and December 1959 67 years 66 years and 2 months
January 1960 and December 1960 67 years 66 years and 4 months
January 1961 and December 1961 not yet known 66 years and 6 months
January 1962 and December 1962 not yet known 66 years and 8 months
January 1963 and December 1963 not yet known 66 years and 10 months
January 1964 and December 1964 not yet known 67 years

Read how to apply, depending on your situation. Or go to the website at grensinfo.nl for more information first. The best time to claim a state pension is about 1 year before it is due to start. This gives the institutions concerned enough time to calculate how much you can get. 

You live in the Netherlands

You can apply to the Sociale Verzekeringsbank (SVB) for your Belgian state pension (rustpensioen) or German state pension (Altersrente). The SVB will then forward your claim to the Belgian or German pension institution.

If you live in Belgium

You can apply to the pension service in your municipality, or to the regional office of the Federal Pensions Service (FPD), for your Dutch AOW pension. The FPD will then forward your claim to the SVB.

If you live in Germany

You can apply to the Deutsche Rentenversicherung (DRV) for your Dutch AOW pension. The DRV will then forward your claim to the SVB.

If you live in the Netherlands and your Belgian or German pension starts before your Dutch pension, you will be required to pay contributions under the Dutch AOW pension scheme and the Anw survivor benefit scheme.

After you reach your AOW pension age, you will only continue to pay contributions for Anw survivor benefit.

If you do not wish to be insured under the AOW pension and Anw survivor benefit schemes

You can apply for an exemption from compulsory AOW and Anw insurance so that you no longer pay contributions under those schemes. This means that your AOW pension will stop growing and in the event of your death, an Anw survivor benefit will be paid at a lower rate or not at all.