ACCESS NL > Dual careers in the Netherlands > Working in the Netherlands > Dutch pension system > Will I be entitled to Dutch state pension (AOW) when I retire?

Dutch pension system

What is the pension age in the Netherlands and who is entitled?

Will I be entitled to Dutch state pension (AOW) when I retire?

If you live in the Netherlands at the time you retire, you are entitled to AOW. As you haven’t lived in the Netherlands all the time you will receive a reduced AOW.  If you don’t live in the Netherlands any more when you retire, you may be entitled to AOW if you live in a country that has a treaty with the Netherlands regarding social security. You can check what the regulations are for the country you are living in on https://www.svb.nl/int/en/aow/wonen_buiten_nederland/beu/index.jsp.

My employer doesn’t offer any pensions. How can I arrange a pension myself?