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Living outside the Netherlands

If you do not live in the Netherlands, there are several matters that you must take into account. For instance, we no longer receive certain details from your municipality. There are also consequences for your state pension and taxes. It is important to submit your address details to the Dutch Register of Non-Residents (RNI).

Submit your address to the Register of Non-Residents

If you live in or relocate to a foreign country, submit your address details to the Register of Non-Residents (RNI). You can do so via one of the RNI municipalities. We will then automatically receive your new address abroad. Visit the central government website for more information.


Register your partner with us

Are you planning to get married or enter into a registered partnership in a foreign country? Then you must register your partner at Bpf Koopvaardij. That is important for the partner's pension that you are building up with us. Your partner will receive this pension when you die. For more information, visit Relationship and pension.

State pension

The amount of your state pension (AOW)

In the Netherlands, everyone receives a pension from the government: the state pension. In the years that you live in a foreign country, you do not build up a state pension. If you want to obtain a full state pension benefit when you retire, you can take out voluntary additional insurance at the Dutch Social Insurance Bank (SVB) or purchase the missing years of state pension. For more information, visit the SVB website. Here, you will also find the age at which you will receive the state pension.

Government pension

The country in which you live may also have a government pension (such as the state pension in the Netherlands). Ask the authorities about this in the country in question.

Exemption from wage tax and national insurance contributions

If you live in one of the treaty countries with which the Netherlands has reached tax agreements, you may not have to pay wage tax in the Netherlands*. You can request exemption from the withholding of wage tax/national insurance contributions at the Dutch Tax and Customs Administration. This is to avoid you paying tax both in the Netherlands and in the country where you live.

To complete the application for exemption, you will need the following wage tax details:
Stichting Bedrijfspensioenfonds voor de Koopvaardij
Wage tax number: 30.27.788.L01

If your application for exemption is approved by the Tax and Customs Administration, you will receive a confirmation. Bpf Koopvaardij will receive a copy automatically. We will then process your exemption in our administration.

* Without registration at the Register of Non-Residents (RNI), we are obliged to withhold national insurance contributions from your pension. You can register as a 'non-resident' at 19 municipalities in the Netherlands or check whether you are already registered. Our Service Desk can also do this for you. For more information, go to the central government website.

When you pass away

When you pass away, your surviving dependants must report this themselves to our Service Desk. We will then ask them to supply certain information, including a copy of the death certificate. Within two weeks of receipt, we will send them an application form for the partner's pension. If your partner meets the conditions, he or she will receive a partner’s pension from Bpf Koopvaardij.

Your children will in any event receive an orphan’s pension until they reach the age of 18. If your child is studying or following vocational training, the benefit will stop when your child reaches the age of 27. You will find the amount of the partner's and orphan's pension at My Koopvaardij. You will also see this on your Uniform Pension Overview (UPO).