What can you find in MySPIN?
On your personal page behind the login you can see your most important pension information at a glance. How much pension you have, whether it is enough, what your state pension age is and what is arranged for your survivors. You can also arrange more yourself. For example, change your correspondence address, register your partner or adjust your bank details. Do you have a DC capital? Then you can use the Pension Planner to see how extra contributions or a different investment profile will affect the amount of your pension. You will also find the Investment Guide here. Here you can determine which investment profile suits you best.
The "lump sum"; what is that anyway?
You may get a new pension choice with it. The law for this has yet to be approved by the Senate. The choice that will be added is the option to withdraw part of your pension in one lump sum. We call that lump sum. What does this new choice actually mean?
With the lump sum, you can have up to 10% of your accrued retirement pension paid into your account. You can spend this amount as you wish, paying off your mortgage for example, buying solar panels or traveling. However, it is important to realize that your monthly pension benefit will be lower if you withdraw a lump sum. You may also have to pay more tax (temporarily) and lose the right to benefits. In these frequently asked questions, we take you through what is known so far about the lump sum.
Can everyone make this retirement choice?
Yes, but after the lump sum is paid, your retirement pension must remain higher than €613.52 gross per year (amount 2025). Also, you cannot combine this pension choice with the choice for a high-low pension. High-low means that you receive a higher benefit in the first years of your pension and a lower benefit in the years after. If you have a DC capital, you can choose a lump sum from the insurer where you will purchase your pension.
When can I withdraw a lump sum?
You will soon be able to withdraw a lump sum when you retire, July 1, 2026 at the earliest. This July 1 date is not yet certain. The latest date you should retire is your state pension age.
Can I also defer the lump sum to a time after my state pension date?
Yes, you can, but only if you let your pension start on your state pension date. You can then defer the lump sum until January of the year following your state pension date. The advantage of postponing is that you will pay less tax on the lump sum after the state pension date.
What happens if I defer the lump sum and I die before the payment date?
If you die in the meantime, the lump sum will not be paid to your dependents. This is not allowed by law. However, your dependents will receive a subsequent payment. This payment consists of the difference between the retirement pension you receive and the pension benefit you would have received if you had not opted for a lump sum.
How much can I withdraw?
The lump sum will soon allow you to withdraw up to 10% of the value of your accrued retirement pension in one lump sum. This may also be less. The option will soon exist only for your own retirement pension. Your partner or children will not be able to withdraw a lump sum if you die unexpectedly.
Does this choice apply to both my DB pension and DC capital?
Yes, you can make this choice for both your DB pension and your DC capital. For the DB pension, you can later pass this choice on to SPIN. For the DC capital, you can have it included in the offer of the insurer where you buy your pension. We will transfer your total pension capital and you will receive the lump sum from your chosen insurer.
What are the possible consequences of this choice?
The lump sum reduces your monthly pension benefit. Therefore, check carefully whether you will have enough pension left for the rest of your life after you take a lump sum.
Furthermore, it may affect, for example, your tax return and any benefits you receive. This is because your income is increased one year by the lump sum. This can cause you to fall into a higher tax bracket and thus have to pay more tax. It may also mean that you temporarily stop receiving an allowance. If you do not spend the amount immediately, it may also have consequences for the wealth tax in box 3.
Can I already gain insight into what it means for me personally?
At this time, we cannot say what this new choice means for you. For this we have to wait for the final law.
I am thinking about retiring. Is it wise for me to wait with this until this new option is available?
The intended effective date for this new option is July 1, 2026, at the earliest, but it is not yet certain. It could also be later. Whether it is wise for you to wait for this is difficult to say. Also because we cannot yet name any amounts or make any calculations because the exact content of the new option is not yet known. Incidentally, the latest date at which you must retire is your state pension age.
Does the lump sum affect the division of my pension upon divorce?
The choices you make regarding your pension also apply to your ex-partner's pension entitlement. If you choose a lump sum, your ex-partner will also receive a lump sum of his or her portion of the retirement pension. This does not apply if you and your ex-partner have opted for conversion. In that case, your ex-partner can make his or her own choice.
If my pension is already fully vested before the law takes effect, can I still withdraw a lump sum?
No, this is not possible. This option only applies to participants who retire from the moment the law took effect.
I want to emigrate, what about the lump sum?
Even if you are emigrating, you can opt for a lump sum. How high the lump sum will be depends on the country you are leaving for and how much tax you will then have to pay on the lump sum.
My DC capital is declining. Should I be concerned?
Sometimes there are circumstances that can reduce the value of investments; rising interest rates, for example. Precisely to limit the risk of a lower pension, invest more in bonds than in shares just before the retirement date. Bonds ensure that the expected retirement income is stabilized as much as possible. This is because investing in bonds has a so-called cushioning mechanism: if interest rates rise, your bonds become worth less. But when interest rates are high, you can use your capital to buy more pension benefits from an insurer. The mechanism also works the other way around. Rises and falls in interest rates therefore have less effect on the amount of your ultimate pension benefit.
I want to retire soon. Where can I find more information?
6 months before your state pension age, we will contact you. You will then receive a (digital) letter with all the information about what choices you can make and what you need to do.
You can also find more information about retiring in MySPIN. You can log in with your DigiD or username and password.
How do I know if I should apply the payroll tax credit to my pension with SPIN?
Anyone living in the Netherlands may apply payroll tax credits to their income. You determine to which income this discount is initially applied. It is generally recommended that you apply the discount to your highest income. But beware: with multiple incomes, the wage tax credit can cause you to have to pay additional taxes. You can read more information about this on the Tax Office's website: https://www.belastingdienst.nl/wps/wcm/connect/nl/werk-en-inkomen/content/loonheffingskorting-meerdere-inkomens
How can I apply for or change payroll deduction from SPIN?
You can request or change the payroll tax credit by sending an email to info@spin.nl or through MySPIN. Log in with your DigiD and then click on 'Adjust wage tax credit'.
My partner and I have terminated our cohabitation agreement. Do I have to report this?
Yes, you should indeed report this to us. You can do this in MySPIN under Direct arrange. To deregister your partner, we also need an end of cohabitation agreement. Via Upload documents you can send this to us.
How can I update my information?
You can change your contact details, correspondence address, address abroad (see also "I live abroad. How do I communicate my new address?"), Investment Profile (DC), payroll deduction or bank details in MySPIN under Directly arrange.
I live abroad. How do I pass on my new address?
If you move to or in a foreign country, we ask you to report your change of address to RNI (Non-Residents Registration). We (and other Dutch government organizations) will then receive the change from RNI. You can change your address with RNI via the following website: https://rni-portal.rvig.nl/nl/myaddress
Are you unable to register with the RNI or is your mailing address different from your residential address? Then please provide us with your new correspondence address via Directly arrange in MySPIN.
You work at IBM? So what will this new pension system look like for SPIN soon?
As of Jan. 1, 2028, everyone builds up pension capital in a sort of personal pension pot. Your pension pot is invested for you and is the sum of the contributions made by you and IBM plus the return on those contributions. Return and risk from the investments differ among participants depending on their age and investment profile. The idea here is that a younger participant can take on more investment risk than an older participant. This is because a younger participant has a longer recovery period after a bad investment year. And also benefits more from higher long-term returns. An older participant benefits from more stable returns. This is similar to SPIN's current DC plan, in which investment risk is also age-related.
Will my SPIN pension be converted to the new plan?
Do you work at IBM? IBM's agreement states that pensions (DB and DC) accrued up to January 1, 2028 will not be converted to the new pension plan. This means that nothing will change from the Wtp on your pension (capital) accrued up to January 1, 2028 with SPIN.
Do you work at Kyndryl and have accrued DC pension at SPIN? Then Kyndryl will request a collective value transfer for your DC pension in 2025. Kyndryl will inform you about this. Do you have any questions? If so, please contact NLEmployeeOffice@kyndryl.com.
Are you no longer working at IBM or Kyndryl? Or are you retired? IBM and the Central Works Council decided in the agreement that accrued pensions will not be converted to the new pension plan. Kyndryl's agreement also states that DB pensions and DC capitals accrued until January 1, 2025 will not be converted to the new pension plan.
This means that nothing will change about your accrued pension with SPIN from the Wtp. SPIN will continue to manage your pension and we will remain your trusted point of contact.
Why don't IBM and Kyndryl choose to convert (in-save) the existing pensions to a new pension plan?
The choice not to convert accrued capital and pension rights is part of the decision on the new pension plan. That choice and the reasoning for it comes from IBM and Kyndryl, after consultation with the (central) works councils. The reasoning therefore comes from the employer(s) and is included in 'transition plans'. You can find your (former) employer's transition plan on MySPIN. (Nader belicht / New pension plan). The transition plan is best viewed through the Firefox or Edge browsers.
I am unable to access the transition plan in MySPIN. What can I do about it?
You can find your (former) employer's transition plan on MySPIN. (Nader belicht / New pension plan). The transition plan is best viewed using the Firefox or Edge browsers. Unable to open the plan? Then go back with the arrow at the top left of your browser or close the pdf and try again.
I'm retired. What will the new pension rules mean for my pension at SPIN?
IBM and the Central Works Council (COR) have decided in the agreement that accrued pensions (DB and DC) will not be transferred to the new pension plan. This means that nothing will change about your accrued pension with SPIN from the Wtp. SPIN will continue to manage your pension and we will remain your trusted point of contact.
Kyndryl and the Works Council have also agreed on this. They will not convert DB pensions already accrued with SPIN to the new pension plan.
In the decision-making process, the Association of IBM Retirees (GBC), among others, was given a statutory right to be heard. This means that they gave an opinion on the proposed changes. With this, the interests of pensioners were also carefully considered in the decision-making process.
The agreements are articulated in a transition plan. These can be found on MySPIN
(on the 'Further Information' page, under the 'New Pension Plan' tile).
SPIN will now assess whether we can implement the agreements and whether it is clear and fair ("balanced") for everyone. To do so, we create an implementation and communication plan. We then submit this plan to De Nederlandsche Bank (DNB) and the Financial Markets Authority (AFM). They must also give their approval.
We will keep you informed
We will keep you informed of the latest developments through our website and online newsletters, among others. Do you have questions or want to know more? Please feel free to contact us. We are here for you!
I build up DB pension with SPIN. Why all this discussion about compensation?
From January 1, 2028, it will no longer be legal to accrue pension in a DB plan. From this date, it will only be allowed to accrue in a private pension pot that is invested (as it is now in our DC scheme). Return and risk from the investments mean that pensions from January 1, 2028 will be less secure than before. A compensation scheme has been agreed for this. You can read more about this in the transition plan. You can find this plan on MySPIN on the Nader belicht page, under the tile 'New Pension Plan'.
Will the new pension contract apply to me as well?
The new pension rules effective Jan. 1, 2028, apply to pension capitals accrued from that date.
IBM and the works council (COR) decided in the agreement that accrued pensions (DB and DC) will not be converted to the new pension plan. Thus, the new rules will not apply to pension (capital) accrued up to Jan. 1, 2028.
What will I notice about the new pension system?
IBM and its works council (COR) have reached an agreement on pension transition under the Future Pensions Act (Wtp).
Do you work at IBM? Then you will receive information from IBM about the changes. They will return with more detailed information in later communications. If you still have questions at this point, please contact AskHR and include in the subject line of the ticket: 2025 pension agreements.
For (former) Kyndryl employees and retirees, Kyndryl and the Works Council have already agreed on this. If you work for Kyndryl, a request for a collective value transfer will be made by Kyndryl in 2025 for your DC pension. Kyndryl will inform you about this. Do you have any questions? If so, please contact NLEmployeeOffice@kyndryl.com.
Meanwhile, are you no longer working at IBM or Kyndryl? Or are you already receiving a pension from SPIN? We list the relevant arrangements for you below.
Wtp agreements in outline
- The accrued Defined Contribution (DC) capital will not be converted to a new plan (there will be no "rafting in"). SPIN will continue to manage the accrued pensions...;
- The accrued Defined Benefit (DB) pension will also not be converted to a new plan (there will be no "rafting in"). Accrued DB entitlements will remain intact, including the top-up guarantee from IBM and Kyndryl. SPIN will continue to manage and pay out accrued pensions in the current manner; this also applies to the partner's pension.
- Current allowance schemes 1, 2 and 3 remain unchanged.
Should I take action myself?
Do you work or have you worked at IBM?
No, you cannot take any action on your own at this time.
The GBC (the association of pensioners and others) first had a statutory right of hearing. This means they gave their opinion on the proposed arrangements. After the GBC's consultation, the transition plan was presented to SPIN. You can find this plan on MySPIN on the Further Preview page, under the "New Pension Plan" tile.
We will now assess whether we can implement the agreements made. Regulators DNB and AFM must approve SPIN's plans. We expect to be able to show you personal calculations in 2027.
If you still have questions at this point, please contact AskHR and include in the subject line of the ticket: 2025 pension agreements.
Do you work or have you worked at Kyndryl?
For (former) Kyndryl employees and retirees, you cannot take any action yourself either. Kyndryl and the Works Council have reached agreements regarding the SPIN pension already accrued. The pensions already accrued with SPIN will not be converted to the new pension scheme. You will receive more information about this from us later. In the meantime, SPIN will continue to manage your already accrued pension and we will remain your trusted point of contact.
For Kyndryl employees, the changes from this law have been included in the transition to the new pension provider. If you have any questions about this, please contact us at NLEmployeeOffice@kyndryl.com.
I work at IBM and build DC capital with SPIN. What will change for me?
In the agreement between IBM Netherlands and the Works Council, it was agreed that the accrued DC capital will not be converted to the new plan. SPIN will continue to manage the accrued capital. You can continue to make your own choices such as adjusting your investment profile or making additional contributions.
In addition, IBM and the Works Council have agreed that over the next three years they will explore the possibility that you can also purchase a pension from SPIN with your DC capital. Now everyone who retires must purchase a pension with their DC capital from an insurer.
You will receive information from IBM about the changes for your pension accrual beginning Jan. 1, 2028. They will return with more detailed information in later communications. If you still have questions at this point, please contact AskHR and include in the subject line of the ticket: 2025 pension agreements.
I work at IBM and build up DB pension with SPIN. What will change for me?
In the agreement between IBM Netherlands and the (central) works council, it was agreed that the accrued DB pension will not be converted to the new scheme. SPIN will continue to administer the accrued pension until and beyond January 1, 2028.
Do you work at IBM? Then you will receive information from IBM about the changes for your new pension accrual starting Jan. 1, 2028. They will return with more detailed information in later communications. If you still have questions at this point, please contact AskHR and include in the subject line of the ticket: 2025 pension agreements.
I'm thinking about a new job. What about the transition to the new pension rules?
Pension rules are changing because of the Future of Pensions Act. Are you going to change jobs? Then pay close attention to the pension plan at your (possible) new employer. It may have already been adapted to the Wtp and works with a flat premium; the same for everyone, regardless of age.
This difference can affect how much pension you will accrue later.
So always ask carefully what the pension plan is like with your new employer.
Will my pension become less secure now?
The agreement from both IBM and Kyndryl states that DB pensions and DC capitals accrued at SPIN will not be converted to the new pension plan. These pension (capitals), accrued until Jan. 1, 2028, will thus remain as secure.
From January 1, 2028, it will no longer be legal to accrue pension in a DB plan. From this date, it will only be allowed to accrue in a private pension pot that is invested (as it is now in our DC scheme). Return and risk from the investments mean that pensions from January 1, 2028 will be less secure than before. A compensation scheme has been agreed for this. You can read more about this in the transition plan. You can find this plan on MySPIN on the Nader belicht page, under the tile 'New Pension Plan'.
I am disabled; what statements will I receive?
If you are still accruing pension and receiving disability benefits from us, you will receive two pension statements. One for your pension accrual and one for your benefit. Are you not receiving benefits from SPIN? Then you will only receive a pension statement showing how much pension you have accrued with us.
Are you divorced and have divided your pension with your ex-partner?
On your DB-UPO, your pension information shows your retirement pension at 65 and at 67. The pension for your ex-partner has already been deducted from these amounts. How much pension can you expect?" shows your pension at your state pension age. The first line shows your total pension including the pension for your ex-partner. The second line shows what part of your pension is for 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?
You received a statement of your pension with SPIN in 2024. You will also receive a pension statement in 2025.
On what parts of my salary do I not accrue a pension?
You do not accrue a pension over the so-called deductible. In 2025, this is an amount of €20,919.89. You also do not accrue pension over the salary above the capping limit. This is an amount of €131,290 in 2025. Note: Do you have both a DB and a DC pension? For both your DB pension and your DC pension, we state the full deductible on the UPO. Naturally, we divide this proportionally between your DB pension and your DC pension.
Will the premium for my DB pension remain as low in the future?
There is no way to tell. Depending on SPIN's financial position, the board considers annually whether a premium discount is possible.
My in service and/or out of service date on the UPO is/are incorrect. Does this have any consequences?
Our records require us to enter an in-service and out-of-service date. This information is not always available anymore. If these dates are missing, we fill in a fictitious date. The dates in and out of service do not affect the amount of your pension.
Why is my name wrong on the UPO?
If you receive a special partner's pension, only your own name appears on your statement. Even if you have remarried, only your own name will appear on the statement. We cannot include your current partner in your ex-partner's policy. As a result, it is also not possible to include your current partner's name on the statement.
I receive a pension statement but do not receive a pension from SPIN. How is that possible?
Everyone who has a pension with us receives a pension statement (UPO). Even those to whom we cannot pay out the pension because, for example, no account number is known to us. We ask you to contact us so that we can still pay out your pension.
I accrue(d) a pension through SPIN. When can I expect my annual pension statement?
Everyone has received their 2025 pension statements by now.
I need my A-factor for 2023 for my tax return. Where can I find it?
The A-factor for 2023 can be found on your Annual Pension Statement (UPO) 2024. You'll find the A-factor at the very end of the pension statement under the heading: Learn more.
The pension amounts in the Planner are lower than the calculations I get from the SPIN service desk. How is that possible?
In the Planner on MySPIN, we take into account future loss of purchasing power due to inflation in the SPIN pension amounts (gross and net). We simulate this in the planner by showing lower amounts. We do this because we think it is important for you to realize that the money you have now (accumulated) will have less value in the future. The amounts the service desk calculates for you are the actual amounts you will receive. This causes a (small) difference between the amounts from the planner compared to the service desk's calculations. The further away from your retirement date you are, the greater the difference will be.
Why do I regularly see different pension amounts in the Retirement Planner?
The amounts in the Pension Planner are estimates. For these estimates we have to use assumptions (so-called scenario sets) from the Dutch Central Bank. Every quarter we receive new scenario sets. As a result, the estimates of the pension amounts change every quarter.
Does the Pension Planner default to an exchange to 70% partner pension?
Yes, the planner assumes 70% exchange by default, but you can adjust the percentage yourself in the planner.
How does the planner handle AOW?
By default, the planner calculates with a full AOW. You will receive a full AOW if you have always lived in the Netherlands. Any years abroad will result in a lower AOW. On the income page of the planner you can indicate how many years you may have lived abroad. The planner will then take into account a lower AOW (depending on the number of years you lived abroad).
What is the difference in pension amounts between the Pension Planner and on the Home page of MySPIN?
In the Pension Planner, we calculate with the SPIN pension plus AOW and any other income you have added yourself. The amount you see there is also net. On the home page you can see an estimate of what you can expect to receive in gross pension from SPIN.
Are the consequences of my divorce visible in the Pension Planner?
If you have divided your retirement pension with your ex-partner(s), the Pension Planner calculates for DB with the pension after division. For DC, the planner calculates with the capital before division. The planner does not show which amounts are for your ex-partner(s). You can see this on your annual pension statement.
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?
No, because you are out of service, this amount is no longer properly determined. This is because the planner calculates with the current salary and that data is missing. It is better to enter an amount for expenses yourself via the 'adjust expenses' tab in the planner.
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?
The Pension Planner and the Home page take the estimate of whether you will soon have enough pension from a different calculation source. Both estimates are based on slightly different assumptions. This may cause (small) differences.
I want to register my partner, whom I live with, for a partner's pension. How do I do that?
You can do this in MySPIN under Directly arrange. To register your partner, we also need a cohabitation agreement. Via Upload documents you can send this to us.
I can't log in with my username and password. How do I request a new one?
To log in with a (new) username and password, you must first request them from us. You can do this in the following steps:
1. You go to our website and click on MySpin in the upper right corner
2. You will now enter the login screen and click on the bottom option "Don't have a DigD? Click Here"
3. You request a new username. Please note that your old username will not work here, you can only request a new username
4. You will then receive an email from us with a new username.
5. You will then return to the website, go through the same steps, enter your new username and then request a new password using the "Reset Password" option.
6. You will then receive an email from us with a new password and with that you can then log in from now on.
I want to log into MySPIN but don't have a cell phone. So how can I still log in with 2-factor authentication?
We consider the security of your data very important. Therefore, we use an additional verification step, 2-factor authentication, in addition to a username and password for MIjnSPIN.
You can log into MySPIN from a computer, a laptop, tablet or phone. To set up two-factor authentication, you basically need a second device with a camera to read a QR code.
Don't have a second device? Then you can open the Google Chrome Browser on your computer and open the following link there: Google Chrome Authenticator. You can install this authenticator in your Chrome Browser and open it from there every time you need a login.
I live abroad and want to apply for a DigiD. How do I do that?
A DigiD is basically a username and password that allows you to log in securely to, for example, MijnSPIN. Below we explain how you can apply for a DigiD from abroad. 1. Make an appointment using this link: www.nederlandwereldwijd.nl/digid-buiten-nederland/activeringscode-videobellen which is a few hours away so you have time to prepare (step 2). You will receive a confirmation from the State Department in your mail.
2. Apply for a DigiD using this link: https://www.digid.nl/buitenland/. You will receive confirmation codes by email and text message on your cell phone, enter them until you finally receive a counter code. You will need this counter code when video calling for the activation code (step 3).
3. Use the State Department email where you can start the video call and codes and go to the video appointment. The video call representative will be happy to help you activate your DigiD with the activation code.
Why can't I log in to MySPIN?
Anyone who receives a pension from us, accrues a pension with us or has accrued a pension in the past can log in to MySPIN. Are you an ex-partner and not yet receiving a pension? Then you can also log in.
How do I log out of MySPIN?
The easiest way to log out of MySPIN is to click on the cross at the top right of your screen. Your session will then stop immediately.
Another option is to click on "log out" at the top right of your screen.
Is this button and/or the cross not visible?
Then hold your tablet in portrait mode. And click on the square with the three dashes in the upper left corner.
Next you will see the logout button. Also, if you want to log out from your cell phone, you can do so via the square with the dashes.
Is this button and/or the cross not visible?
Then hold your tablet in portrait mode. And click on the square with the three dashes in the upper left corner.
Next you will see the logout button. Also, if you want to log out from your cell phone, you can do so via the square with the dashes.
Why can I no longer see on mypensioenoverzicht.nl which part of my pension goes to my ex-partner?
This information is indeed no longer available at mijnpensioenoverzicht.nl. You will, however, find this information on your annual pension statement.
On Mijnpensioenoverzicht.nl I see an indicative pension. What is this?
When you retire, you convert your DC capital into a pension benefit with an insurer. The pension indicator on Mijnpensioenoverzicht.nl gives you an indication of this pension benefit. For the indication we use the calculation rules (rates and returns) prescribed by the Dutch Central Bank. We recalculate this indication every quarter using the most up-to-date calculation rules.
On Mijnpensioenoverzicht.nl I see multiple SPIN pensions with different effective dates. Why is this?
Until January 1, 2014, the retirement age was 65. The DB pension you accrued before that date is still in our records with an effective age of 65. DB pension accrued after Jan. 1, 2014, has an effective age of 67. If you accrued pension with SPIN both before and after January 1, 2014, you will see both effective dates (65 and 67) on Mijnpensioenoverzicht.nl.
When you retire, both pensions (65 and 67) will be converted to one pension as of the time you retire. It is not possible to have part of your pension start at age 65 and part at age 67.
I want to pass on a death within the Netherlands. How do I do that?
You do not have to notify us of a death within the Netherlands yourself. We receive this notification automatically through the municipality's Key Register of Persons.
Did the deceased receive a pension from SPIN? Then this pension stops from the month after the death. At the end of that month we will send another annual statement to the last known address. This may be needed for the tax return.
Is a survivor entitled to a partner's or orphan's pension? If so, we will send a letter as soon as the death notification has been processed. In it, we explain what is required to apply for the survivor's pension.
I want to report a death abroad. How do I do that?
Please contact us at info@spin.nl or +31 (0)20-347 2722. We would like to receive a copy of the death certificate.
Did the deceased receive a pension from SPIN? Then we stop this pension from the month after the death. At the end of that month we will send another annual statement to the last address known to us. This may be needed for your tax return.
Is a survivor entitled to a partner's or orphan's pension? If so, we will send a letter as soon as the death notification has been processed. In it, we explain what is required to apply for the survivor's pension.
It's the 24th and I have no payment yet, is this going to be okay?
Our pension payments are made on the payment date during the day. So depending on your bank, your pension payment may be in your account a little earlier or a little later. Have you still not received your payment in the second half of the afternoon? Please contact us and we will check this for you. An overview of our payment dates can be found here: https://spin.nl/page/betaaldata/
I did not receive a payment statement this month, how come?
We only send a specification when a new benefit is paid, when there are changes in your details or when you make your first pension payment of the year. If there are no changes to your pension payment, the most recent specification remains valid. Do you need a specification for a particular month? Please feel free to contact us, we can always create one for you.
1. Why do the surcharge rates differ for the DB pension in 2026?
When deciding whether to increase pensions, the board looks at changes in the consumer price index (the CPI) as determined by CBS. For supplement plan 1, this is the regular CPI. This price index tracks, among other things, price increases in food, clothing, housing and transportation and supplemental health insurance including price increases in VAT, excise taxes and subsidies.
For payment schemes 2 and 3, the CPI derived applies. This price index tracks, among other things, price increases in food, clothing, housing and transportation and supplemental health insurance, but excludes price increases in VAT, excise taxes and subsidies.
2. Does a DC plan include a supplemental benefit plan?
No, we do not increase your DC capital with a supplement. Instead, returns should ensure that your pension capital retains its value.
3. Which allowance scheme applies to me?
In MySPIN, you can see which allowance scheme you fall under. To do so, log in with your DigiD and go to Data and then to Accrued DB Pension.
4a. How is the allowance calculated in allowance scheme 1?
The supplement to your DB pension is 75% of the increase in the consumer price index including effects of VAT, excise taxes and subsidies from October of one year to September of the following year.
If the consumer price index decreases in a year then pensions are not reduced in that year, but the supplement becomes zero.
4b. How is the allowance calculated in allowance scheme 2?
Surcharge Scheme 2 applies to pensions accrued from January 1, 1982 to December 31, 1995 and transferred to SPIN as a non-contributory or vested pension as of January 1, 1996. The supplement to your DB pension is then 100% of the increase in the derived consumer price index from October of any year to September of the following year. This excludes effects of VAT, excise taxes and subsidies.
If the consumer price index falls in a year then pensions are not reduced in that year, but the supplement becomes zero. The next supplement is granted if the consumer price index is higher than at the time of the last increase. The supplement is then calculated by comparing the index figure at the time of the penultimate increase with the index figure of the last increase.
4c. How is the allowance calculated in allowance scheme 3?
Surcharge Schedule 3 applies if you left IBM employment between January 1, 1982 and December 31, 1995 and did not transfer your pension to SPIN, but left it with AMEV. The supplement is based on 100% of the increase in the derived consumer price index from October of one year through September of the following year. This excludes effects of VAT, excise taxes and subsidies. The surcharge does not exceed an average of 1.75% per year. In doing so, we also look at the past and take into account all years in which the surcharge was lower than 1.75%.
If the consumer price index decreases in any year, pensions are not reduced in that year, but the supplement becomes zero. The next supplement is granted if the consumer price index is higher than during the last increase. The supplement is then calculated by comparing the index figure of the penultimate increase with the index figure of the last increase.
5. Can I also expect a full surcharge in 2027?
We don't know that at this point. When we decide in 2027 to increase pensions, we will look at the price changes in the period from October 2025 to September 2026. We will do this using the CPI, the consumer price index from CBS. This information will be available at the end of 2026. In early 2027, the board decides whether we can grant a supplement based on this information, among other things.
6. How much allowance have I received in recent years?
The supplement you received depends on your plan. For details about your plan and the pension increase, click on the links below.
Link to details of allowance scheme 1 2026
Link to details of allowance scheme 2 2026
Link to details of allowance scheme 3 2026
How can I communicate that I want to divide my pension with my ex-partner?
You can communicate this using the notification form in connection with division of old-age pension in divorce.
You and your ex-partner must both complete and sign this form. Then you can mail it to info@spin.nl or send it to Stichting Pensioenfonds IBM Nederland, Antwoordnummer 469, 1180 VB Amstelveen. A stamp is not required.