Frequently Asked Questions

What can you find in MySPIN?

The “lump sum”; what is that anyway?

Can everyone make this retirement choice?

When can I withdraw a lump sum?

Can I also defer the lump sum to a time after my state pension date?

What happens if I defer the lump sum and I die before the payment date?

How much can I withdraw?

Does this choice apply to both my DB pension and DC capital?

What are the possible consequences of this choice?

Can I already gain insight into what it means for me personally?

I am thinking about retiring. Is it wise for me to wait with this until this new option is available?

Does the lump sum affect the division of my pension upon divorce?

If my pension is already fully vested before the law takes effect, can I still withdraw a lump sum?

I want to emigrate, what about the lump sum?

My DC capital is declining. Should I be concerned?

I want to retire soon. Where can I find more information?

How do I know if I should apply the payroll tax credit to my pension with SPIN?

How can I apply for or change payroll deduction from SPIN?

My partner and I have terminated our cohabitation agreement. Do I have to report this?

How can I update my information?

I live abroad. How do I pass on my new address?

You work at IBM? So what will this new pension system look like for SPIN soon?

Will my SPIN pension be converted to the new plan?

Why don’t IBM and Kyndryl choose to convert (inaren) the existing pensions to a new pension plan?

I am unable to access the transition plan in MySPIN. What can I do about it?

I’m retired. What will the new pension rules mean for my pension at SPIN?

I build up DB pension with SPIN. Why all this discussion about compensation?

Will the new pension contract apply to me as well?

What will I notice about the new pension system?

Should I take action myself?

I work at IBM and build DC capital with SPIN. What will change for me?

I work at IBM and build up DB pension with SPIN. What will change for me?

I’m thinking about a new job. What about the transition to the new pension rules?

Will my pension become less secure now?

I am disabled; what statements will I receive?

Are you divorced and have divided your pension with your ex-partner?

I will soon receive part of the pension that my ex-partner has accrued with SPIN. When will I receive a statement of this pension?

On what parts of my salary do I not accrue a pension?

Will the premium for my DB pension remain this low in the future?

My in service and/or out of service date on the UPO is/are incorrect. Does this have any consequences?

Why is my name not correct on the UPO?

I receive a pension statement but do not receive a pension from SPIN. How is that possible?

I accrue(d) a pension through SPIN. When can I expect my annual pension statement?

I need my A-factor for 2023 for my tax return. Where can I find it?

The pension amounts in the Planner are lower than the calculations I get from the SPIN service desk. How is that possible?

Why do I regularly see different pension amounts in the Retirement Planner?

Does the Pension Planner default to an exchange to 70% partner pension?

How does the planner handle AOW?

What is the difference in pension amounts between the Pension Planner and on the Home page of MySPIN?

Are the consequences of my divorce visible in the Pension Planner?

I am no longer building a pension with SPIN and see that SPIN’s estimate of the expense amount is set rather low. Is that correct?

The Home page of MySPIN gives insight into whether I will have enough pension on my retirement date later. I can also see that in the Pension Planner. However, the amounts are different. How is that possible?

I want to register my partner, whom I live with, for a partner’s pension. How do I do that?

I can’t log in with my username and password. How do I request a new one?

I want to log into MySPIN but don’t have a cell phone. So how can I still log in with 2-factor authentication?

I live abroad and want to apply for a DigiD. How do I do that?

I don’t have a DigiD, now what?

Why can’t I log in to MySPIN?

How do I log out of MySPIN?

Why can I no longer see on mypensioenoverzicht.nl which part of my pension goes to my ex-partner?

On Mijnpensioenoverzicht.nl I see an indicative pension. What is this?

On Mijnpensioenoverzicht.nl I see multiple SPIN pensions with different effective dates. Why is this?

I want to pass on a death within the Netherlands. How do I do that?

I want to report a death abroad. How do I do that?

It’s the 24th and I have no payment yet, is this going to be okay?

I did not receive a payment statement this month, how come?

1. Why do the surcharge rates differ for the DB pension in 2026?

2. Does a DC plan include a surcharge plan?

3. Which allowance scheme applies to me?

4a. How is the allowance calculated in allowance scheme 1?

4b. How is the allowance calculated in allowance scheme 2?

4c. How is the allowance calculated in allowance scheme 3?

5. Can I also expect a full surcharge in 2027?

6. How much allowance have I received in recent years?

How can I communicate that I want to divide my pension with my ex-partner?