Commencement date of pension

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

If you can get a pension from 2 or more countries, the start date in one country may be different from that in another. 

Find out beforehand what the consequences could be for you by contacting the Bureau for Belgian Affairs (BBZ) or the Bureau for German Affairs (BDZ).

Choose what you want to know more about:

It might be better for you to defer the start of your ‘rustpensioen’, depending on your personal situation. If you are not sure what to do, 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 not yet known 65 years
February 1960 and December 1960 not yet known 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 might be better for you to defer the start of your ‘Regelaltersrente’, depending on your personal situation. If you are not sure what to do, 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 not yet known 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

  • If you live in the Netherlands, you can apply to the Sociale Verzekeringsbank (SVB) for your Belgian ‘rustpensioen’ or German ‘Altersrente’. The SVB will then forward your claim to the Belgian or German organisation
  • If you live in Belgium, you can apply to the pension service in your municipality, or to the regional office of the Federal Pension 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

You should claim your pension 1 year before your pension is due to start. That will give the Dutch, Belgian and German pension institutions enough time to determine how much you can receive. For more information about how much pension you can expect to receive, go to grensinfo.nl 

If you live in the Netherlands and your Belgian or German pension starts before your Dutch pension, you will be required to pay contributions on your German or Belgian pension under the 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 wish, you can apply for an exemption from compulsory AOW and Anw insurance. You will no longer pay contributions under those schemes, but your AOW pension rights will stop growing, and an Anw survivor benefit will be paid at a lower rate or not at all.