
Merging pension pots. Is it worthwhile?
- Different jobs often mean different pension pots
- Merging these assets can make financial sense or be financially disadvantageous
- Want to know what's best for you? Check it out here!
Do the check and find out yourself whether you can merge pension assets

The check is interesting to do if you:
- have had multiple employers where you accrued pension
- are currently employed at an employer where you accrue pension
- have pension assets at different pension funds or insurers
What do you need?
- Your introductory letter or Pension 1-2-3
- Your Uniform Pension Statement (UPS) or log in to your personal pension page
Value transfer: how does it work?
Value transfer starts with your new employer. He or she will inform you about the possibilities of taking your accrued pension with you. You can then inform your new pension provider whether you wish to use value transfer. It may take several months before the value transfer is fully completed. Read more in our information leaflet.
Do you want to merge your pension assets?
You can easily do this by logging in to mijn.nn. After you have chosen your pension product, you can submit the request for value transfer.
FAQ
The advantage of a value transfer is that all accrued pension is in a single pension pot (scheme). In addition, merging pension pots can work out better financially.
However, merging pots can equally be financially detrimental. For example, if your new pension scheme offers less favourable conditions than your old pension scheme.
Merging pension pots is an employee's right. If the conditions are met then the old and new pension providers always cooperate. And the same goes for your former and current employers.
Limit on additional employer contribution
Does the additional contribution required for the value transfer from the former or current employer exceed 10% of the transfer value and exceeds €15,000? Then the employer in question is not obliged to cooperate with the value transfer. Does the employer indicate its willingness to pay the additional contribution within one month of being informed by the pension provider? Then the value transfer can proceed, otherwise not.
Until 1 January 2015, this limitation of the additional contribution obligation applied only to employers with a wage bill up to approximately €750,000. The employer did, however, have an obligation to pay if they did not respond. As of 2015, the limitation on the additional contribution obligation applies to all employers and the value transfer will not proceed if they do not respond.
Is there anything else we can help you with?
Tailored advice
Want to discuss your wishes and options for merging your pension pots together with us? Make an appointment for a personal consultation with your own adviser or your employer's adviser.
If you do not have an adviser yet, you can find a partnered adviser in your area on nn.nl.
Find an adviser (only available in Dutch)
A fee is charged for advice, so be sure to ask about this in advance.
Please note: the checklist is only available in Dutch
Contact with our customer service
Of course, we are also available via chat, phone and email. Please contact our Pension Customer Service.
- No-obligation answers to questions about your pension pots
- Get insight into your pension situation
- Free of charge
Service and Contact
We can help you in various ways.
Do you have a question?

You can handle many requests by yourself. Or you can contact us.
Would you like advice?

Together with an independent advisor, you look at which product suits you.