Transfer of accrued benefits

Automatic transfer of accrued benefits

If you are leaving StiPP and if you have accrued pension benefits of between €2 and €613.52 (2025) gross per year, StiPP can transfer them to your new pension fund. You can also do the opposite: if you are new to StiPP, your previous pension fund can transfer your accrued pension benefits to StiPP. 
This is known as automatic value transfer.

Pension benefits of less than €2 gross per year will lapse. This is laid down by law.

We arrange it all for you

StiPP checks the pensions register to see if you have been accruing pension benefits with another pension fund. Both StiPP and your new pension provider will automatically inform you when we have transferred your pension benefits. You do not have to do anything.

Individual transfer of accrued benefits

If you have accrued more than €613.52 (2025) gross per year in pension benefits, you can decide whether you want to transfer your pension benefits, to StiPP or some other pension fund. This is known as individual transfer of accrued benefits.

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How to arrange the individual transfer of accrued benefits

Take pension benefits with you to StiPP
If you want to take the pension benefits you have accrued at another pension fund with you to StiPP, please complete the Transfer of accrued benefits request form and send it to us.  You can do this using our contact form.

Take pension benefits with you to some other pension fund
If you want to take the pension benefits you have accrued at StiPP with you to another pension fund, please contact your new pension fund. They will arrange it for you. If you do nothing, your accrued pension benefits will remain at StiPP.

Is the transfer of accrued benefits a good idea?

It is not always easy to say whether the transfer of accrued benefits is a good idea. This is because not all pension schemes are the same. Your pension benefits at one pension fund are converted to pension benefits at the other pension fund. Your pension may therefore end up higher or lower. So compare your old pension scheme carefully with the new pension scheme before deciding to transfer accrued benefits!

Pension comparison Tool Basic Plan

Pension comparison tool Plus Plan

Commutate pension

If your pension is less than €613.52 (2025) gross per year, StiPP will transfer it to your new employer automatically. If we have failed to make this transfer of accrued benefits within five years or you are going to reach state pension age within five years, you will receive a pension commutation offer from us.

This means you can choose to have your pension paid early as a lump sum. You will not then receive any monthly pension benefit from StiPP when you subsequently retire. We will only commutate your pension with your agreement.

Please note: Commutation is only possible if your pension is less than €613.52 (2025) gross per year  and if you are going to reach state pension age within five years. Emigration for example is not a reason for commutation.

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View and update personal details

• Your pension statement shows you how much pension you have accrued. You receive this statement by post or email between May and September each year.
  
  
• Use your DigiD to log in to Mijn StiPP Pensioen.
  You will find all your personal pension information in one place here. You can also update your details here.
  
  No DigiD yet? Apply for your DigiD

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Important!

Has your email address changed?
Are you planning to move abroad or change your address abroad?

Tell us PROMPTLY at Mijn StiPP Pensioen or use our contact form!

Then you will receive all our notices about your StiPP pension.

The municipality notifies us automatically of changes of address in the Netherlands. There is no need for you to tell us about them.