Start building up extra pension savings
With a bonus of up to €1,000
- Keep on enjoying life
- Save and/or invest in one product
- Possibly benefit from tax relief up to 49.5%
Please note: investing involves risks. You could lose all or part of your initial investment.
The pension system is changing. Have you checked where you stand yet? If you want to enjoy life later as much as you do now, it may be wise to build up some additional pension savings yourself. Open a pension account by 31 December 2026 at the latest, benefit from a possible tax advantage, and receive a bonus of up to €1,000.
Here's how the promotion works
The more you deposit*, the higher your bonus. Deposit a minimum of €500 to receive a bonus. The one-time opening fee of €49 will be refunded to your pension account.
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
*Your deposit can consist of annual margin (jaarruimte), reserve space (reserveringsruimte), or value already built up with another provider. You can use your contribution for saving, investing, or a combination of both.
Please note: investing involves risk. You could lose all or part of your initial investment.
Three steps towards investing in a good pension
Do the pension check
Check how much you will receive per month in state pension (AOW) and employer pension when you retire.
Check your annual margin
Calculate the maximum amount you can set aside each year for your pension in a tax-efficient way (your annual margin).
Open your pension account
Deposit at least €500 to qualify for a bonus. The one-time account opening fee of €49 will be refunded to your pension account.
The pension system is changing
The way you build up your pension is changing. In the new pension system, your pension is more closely linked to the contributions paid in and the returns earned on those contributions. As a result, the amount of your pension will fluctuate more in line with developments in the economy and the financial markets.
The final pension amount is not guaranteed. Therefore, it is wise to gain insight into your expected pension benefits and consider whether building up additional pension savings is appropriate for your personal situation.
Starting earlier pays off
Suppose you start investing for your pension (in this example, assuming a hypothetical annual return of 6%):
- You start now and invest €100 per month for 20 years. After those 20 years, you stop contributing but leave the money invested for another 10 years. After 30 years, you will have approximately €83,000.
- You start investing in 10 years' time and invest €100 per month for 20 years. After 30 years, you will have approximately €46,000.
- By starting earlier, you accumulate approximately €37,000 more in this example with the same total contributions. This difference is due to the compounding effect (earning returns on your returns).
Note: This chart is intended to illustrate the potential impact of investment returns over a longer period. Past performance is not a guarantee of future results. No rights may be derived from this example.
Reasons for topping up your pension now:
Save on paying tax in Box 3
You’ll pay less wealth tax, as pension accounts are exempt from this tax.
Potentially receive up to 49.5% tax relief
Use your annual margin and get up to 49.5% tax relief.
More flexibility and choice later on
The earlier you start, the more your interest has time to grow.
Promotion terms and conditions
What does the promotion involve?
Not a customer of ABN AMRO yet? Open a bank account first. After that you can immediately open a pension account.
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 (5 October 2026 to 31 December 2026) and deposit at least €500 into it.
You can participate in this promotion if you do not yet have a pension account with ABN AMRO. During the promotional period, the €49 account opening fee will be refunded to your pension account. This amount is not considered a contribution and is therefore not tax-deductible when filing your tax return.
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 2027. 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 2026. Once it has been opened, you deposit at least €10,000. You’ll receive a bonus of €250, no later than 31 January 2027.
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 2027.
The promotion period runs from 5 October 2026 to 31 December 2026. To take part, all you need to do is open a pension account, and deposit money into it, before 31 December 2026.
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 (PDF, 72 KB) . 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 2027. This amount is not considered to be a deposit and is not tax-deductible.
- If you withdraw your deposit (or part of it) from the pension account within a period of 3 months, we may adjust the bonus.
- 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. During this promotion, the €49 account opening fee will be refunded to your pension account. This bonus is not considered a pension contribution and is therefore not tax-deductible on your income tax return.
- Also take a look at the Pension investment fee sheet (in Dutch) (PDF, 257 KB) 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.
What does the promotion involve?
Not a customer of ABN AMRO yet? Open a bank account first. After that you can immediately open a pension account.
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 (5 October 2026 to 31 December 2026) and deposit at least €500 into it.
You can participate in this promotion if you do not yet have a pension account with ABN AMRO. During the promotional period, the €49 account opening fee will be refunded to your pension account. This amount is not considered a contribution and is therefore not tax-deductible when filing your tax return.
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 2027. 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 2026. Once it has been opened, you deposit at least €10,000. You’ll receive a bonus of €250, no later than 31 January 2027.
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 2027.
The promotion period runs from 5 October 2026 to 31 December 2026. To take part, all you need to do is open a pension account, and deposit money into it, before 31 December 2026.
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 (PDF, 72 KB) . 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 2027. This amount is not considered to be a deposit and is not tax-deductible.
- If you withdraw your deposit (or part of it) from the pension account within a period of 3 months, we may adjust the bonus.
- 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. During this promotion, the €49 account opening fee will be refunded to your pension account. This bonus is not considered a pension contribution and is therefore not tax-deductible on your income tax return.
- Also take a look at the Pension investment fee sheet (in Dutch) (PDF, 257 KB) 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
Investing involves risks
Pension investing is done with money that you have left over and that fits within your annual margin. Investing involves risks. You could lose all or part of your initial investment. It is good to be aware of this. For more information, read the Pension investment key information document (PDF, 72 KB) (in Dutch).
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