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Top up your pension this year
With a bonus of up to €1,000
- Keep on enjoying life
- Save and/or invest in one product
- Possibly benefit from tax relief
Please note: investing involves risk. You could lose all or part of your initial investment.
Start topping up your pension and receive a bonus of up to €1,000!
Are you ready to start saving for your retirement? We’ll give you a boost to get you started!
All you have to do to get that bonus is open a pension account by 31 December 2025 and deposit at least €500. The more you deposit, the higher your bonus:
If you deposit at least €500, your bonus will be €100
If you deposit at least €10,000, your bonus will be €250
If you deposit at least €25,000, your bonus will be €500
If you deposit at least €50,000, your bonus will be €750
If you deposit at least €75,000, your bonus will be €1,000
You decide for yourself whether to save or invest your deposit, or a combi of the two.
Please note: investing involves risk. You could lose all or part of your initial investment.
Reasons for topping up your pension now:
You’ll avoid paying tax in Box 3
You’ll pay less wealth tax, as pension accounts are exempt from this tax.
You can get up to 49.5% tax relief
Use your annual margin and get up to 49.5% tax relief.
The interest-on-interest effect
You’ll be paid interest on previous interest: the earlier you start, the more your interest will grow.
The earlier you start, the longer your returns can work for you
Angela and Patrick both start investing for their pensions. They contribute €100 per month for 20 years. In this example, they receive a hypothetical return of 6% per year.
- Angela invests €100 per month for 20 years. After that, she stops contributing but leaves the money invested for another 10 years. After 30 years, Angela has approximately €83,000.
- Patrick, on the other hand, waits 10 years before starting to invest and then contributes €100 per month for 20 years. After 30 years, Patrick has approximately €46,000.
Conclusion: In this example, Angela has built up €37,000 more with the same total contribution. This is due to the compound returns.
Note: This graph is an indication of the effect of returns over the long term and does not represent future results. No rights can be derived from this.
Three steps towards investing in a good pension
Open a pension account
If you intend to invest money for your pension (with or without saving), open a pension investment account next.
Deposit at least €500 to get the bonus
The more you deposit, the higher your bonus. You can make your deposit during or after your request to open an account.
Get a bonus of up to €1,000
Depending on your contribution, you will receive the bonus in January 2026.
Opened an account? Get started right away!
Congratulations on your new pension account! Tips for a smooth start: if you’re planning to invest as well as save, set up a split so that your deposit can be processed the way you want right from the start (e.g. 60% savings, 40% investments). If you want to top up your pension simply and consistently without having to lift a finger, set up an automatic periodic deposit.
If you’re short of money at the end of any given month, don’t worry. You can simply reduce your deposit or skip a month.
Promotion terms and conditions
What does the promotion involve?
You’ll receive a bonus of between €100 and €1,000 if you open an ABN AMRO Pension top-up account during the promotion period (13 October 2025 to 31 December 2025) and deposit at least €500 into it.
This promotion is available for clients who don’t yet have a pension account with ABN AMRO. It costs €49 to open a pension account. The deposit can also be made from a pension account with another bank or insurance company by means of a transfer payment.
The more you deposit, the higher your bonus:
Deposit of €500 - €9,999: €100 bonus
Deposit of €10,000 - €24,999: €250 bonus
Deposit of €25,000 - €49,999: €500 bonus
Deposit of €50,000 - €74,999: €750 bonus
Deposit of €75,000 or more: €1,000 bonus
The bonus will be deposited into your pension savings account in January 2026. This amount is not considered a contribution and is not tax-deductible in your tax return.
Example
You open your pension account on 2 November 2025. Once it has been opened, you deposit at least €10,000. You’ll receive a bonus of €250, no later than 31 January 2026.
How to take advantage of this promotion
Take the following steps to benefit from the promotion:
- Open an ABN AMRO Pension top-up account (pension account) during the promotion period.
- Deposit at least €500 into the pension account. You can split the deposit into multiple smaller deposits.
- You’ll be paid the bonus that matches your deposit no later than 31 January 2026.
The promotion period runs from 13 October 2025 to 31 December 2025. To take part, all you need to do is open a pension account, and deposit money into it, before 31 December 2025.
Risks of pension investment
The pension account is a special account that does not, in principle, allow any withdrawals by anyone before you retire.
You should only invest money that you don’t need, after you’ve set aside a buffer for unforeseen expenses. While investing can be profitable, it also involves risk. You could lose all or part of your initial investment.
With pension investing, you make your own choices, without any advice from us, meaning that you decide how much risk you run. We’ve made a list of the most common investment risks for you.
Do not run unnecessary risk. Read the Key Information Document . This document states that this product is subject to medium risk, i.e. 2 to 4 on a scale of 1 to 7.
Read more about the risk indicator on afm.nl.
Important information
- You can only take part if you have a Pension top-up product and linked pension investment account.
- Existing ABN AMRO clients who already have a Pension top-up account can’t take part in this promotion.
- The Pension top-up account (and pension investment account) must be opened during the promotion period.
- The minimum deposit of €500 must be deposited into the pension account during the promotion period. You can decide on the right split between saving and investing yourself.
- The bonus will only be paid once per person.
- You’ll receive your bonus in your pension savings account in January 2026. This amount is not considered to be a deposit and is not tax-deductible.
- ABN AMRO Bank N.V. reserves the right to amend the promotion terms and conditions or to cancel or extend the term of the promotion at any time, in which case an updated, amended version of the promotion terms and conditions will be posted on abnamro.nl.
- You pay a one-off fee of €49 for opening a pension account.
- Also take a look at the Pension investment fee sheet (in Dutch) to find out the costs involved in pension investing.
- The promotion is an initiative of ABN AMRO Bank N.V. with registered offices in Amsterdam.
- The promotion is governed by Dutch law.
- You can only take part if you have a Pension top-up product and linked pension investment account.
- Existing ABN AMRO clients who already have a Pension top-up account can’t take part in this promotion.
- The Pension top-up account (and pension investment account) must be opened during the promotion period.
- The minimum deposit of €500 must be deposited into the pension account during the promotion period. You can decide on the right split between saving and investing yourself.
- The bonus will only be paid once per person.
- You’ll receive your bonus in your pension savings account in January 2026. This amount is not considered to be a deposit and is not tax-deductible.
- ABN AMRO Bank N.V. reserves the right to amend the promotion terms and conditions or to cancel or extend the term of the promotion at any time, in which case an updated, amended version of the promotion terms and conditions will be posted on abnamro.nl.
- You pay a one-off fee of €49 for opening a pension account.
- Also take a look at the Pension investment fee sheet (in Dutch) to find out the costs involved in pension investing.
- The promotion is an initiative of ABN AMRO Bank N.V. with registered offices in Amsterdam.
- The promotion is governed by Dutch law.
Any questions?
If you have any questions, please get in touch with us. If you are not happy with this promotion, you can submit a complaints form. This form also provides information about the complaints procedure.
Frequently asked questions
How can I benefit from tax relief?
A pension account allows you to benefit from tax relief in a few different ways:
- Exemption from Box 3: the money in your pension account is exempt from tax in Box 3 (tax on savings and investment)
- Using your annual margin: keeping deposits within your annual margin entitles you to an annual tax rebate.
Example
Let’s say your annual income is €60,000.
- In 2025, you paid 37% tax on your income.
- You deposited €100 per month into your pension account.
- You can claim back €37 (i.e. 37%) for each €100.
- You have invested €1,200 in a year.
- This year, your rebate will be €444. You can then invest this sum back in your pension, or use it to treat yourself.
How can I automatically split my deposit between savings and investment?
Once you’ve opened a pension investment account, you can make things easier for yourself by splitting your deposits into savings and investments right away.
- Click ‘Details’ in your pension investment account.
- Select ‘Change’ to split new deposits.
- Slide the bar to select your chosen split, for example 40% investment and 60% savings.
When you make a deposit, the amount will automatically be split in the same way and we’ll create an investment order for you right away.
How do I set up an automatic periodic deposit?
If you want your periodic deposit to be transferred automatically, log in to Internet Banking and select ‘New transfer’. Select your newly opened pension account, click ‘Standing order’, and enter the frequency of your deposits and the start and end date. Don’t forget to put the end date on your calendar!
How does the interest-on-interest effect work with pension saving?
The interest-on-interest effect, also known as compound interest, is a smart financial principle that ensures that your pension savings keep on growing. You don’t just earn interest on the money you put aside, but also on the interest previously earned. This means that your pension is “working for you” as it were, and explains why it’s smart to start saving as early as possible and give your capital the maximum time to grow.
Example
Say you start with a one-off deposit of €10,000 for your pension and you earn 1.7% interest per year on these savings. Your pension will grow as follows:
Year 1: You start with €10,000 and earn 1.7% interest, which amounts to €170.
Your total pension savings are now €10,170.
Year 2: You then earn 1.7% interest on €10,170, which is €172.89.
Your total pension savings are now €10,342.89.
Year 3: You now earn 1.7% interest on €10,342.89, amounting to €175.83.
Your total pension savings are now €10,518.72.
The amount of interest you earn increases. The interest rate is variable. The interest is slightly higher, because your pension savings keep on growing. This is the magic of interest-on-interest!
How can I make a deposit through a transfer payment?
You can make a deposit from a pension account with another bank or insurance company by means of a transfer payment.
You can arrange this in your pension account in the ‘Deposits’ step. When requesting the transfer payment, make sure you have the details of your old annuity insurance or bank account to hand. After receiving the completed request, the old bank or insurance company has 14 days to transfer the money. We’ll keep you updated.
Investing involves risks
Pension investing is done with money that you have left over and that fits within your annual space. Investing involves risks. You can lose part of your investment. It is good to be aware of this. For more information, read the Pension investment key information document (in Dutch).
