Usually you are automatically insured for the AOW. Everyone who lives or works in The Netherlands is automatically insured. It does not matter what your nationality is. Every year that you are insured, you will accrue 2% of AOW pension. You will receive a full AOW pension if you have always been insured in the 50 years prior to your state pension age. You will receive your AOW pension on the day you reach your pension age. The AOW pension age is currently 66, and will increase to 67 by 2021.

If you have lived or worked outside The Netherlands, you may not have been insured and your AOW pension may be lower. Got any questions? The latest information about the Dutch state pension is provided in multiple languages on the website of the SVB.