Most asked questions

To calculate your expected pension benefit, we use data provided by De Nederlandsche Bank (DNB). Every quarter, DNB produces new calculations based on 2,000 economic scenarios. These scenarios take account of developments in areas such as investment returns, interest rates and inflation. This provides an indication of what your pension capital may generate in the future. 

This calculation method is known as the Uniform Calculation Methodology (URM). Since 1 October 2019, all pension providers in the Netherlands have used this methodology. It is also mandatory for the pension amounts shown on mijnpensioenoverzicht.nl and on the Uniform Pension Overview (UPO). This makes it easier to compare pension amounts from different pension providers. BeFrank also uses this methodology for the figures shown on your personal pension page, ensuring closer alignment with the UPO and mijnpensioenoverzicht.nl. 

The amount shown is always an estimate and not a guarantee. Your expected pension benefit may change due to new economic developments and the different scenarios used in the calculations. We understand that these fluctuations can sometimes be confusing. That is why we continue to explore ways of presenting your expected pension benefit as clearly and accurately as possible. 

When you retire, you use your accrued pension capital to purchase a pension benefit. Only at that point will you know exactly how much pension you will receive. 

Would you like to see an estimate of your future pension benefit now?
You can do this on your personal pension page under Affect my pension income. There, you can see your estimated monthly pension benefit. You can also see how your expected pension changes if you make different choices. For example, if you retire earlier or later, or make additional contributions. 

Are you close to your retirement date? You can also request a calculation at befrank-pensioenuitkering.nl.

• Contribution is the pension contribution paid for your pension through your employer. We charge this contribution to your employer. You may also make a personal contribution through your salary, but we only see the total amount contributed through your employer. 
• Additional contribution is a voluntary contribution that you make yourself. This additional contribution is paid on top of the regular pension contribution through your employer and is deducted from your salary. You can see this on your payslip. 
   

In the UPO, these are shown separately, for example: 

• Contribution: €5,000 (through your employer) 
• Additional voluntary contribution: €1,500 (paid by you) 

Together, these make up the total contribution paid in that year.
Please note: an additional contribution is only shown on the UPO if you made use of this option for at least one month during 2025.

You will receive 1 UPO per year from BeFrank. If your pension scheme was converted to a Future Pensions Act (Wtp) scheme at any point during 2025, the section ‘What is the situation?’ will show your total pension accrual, including the part accrued before the transition to the Wtp. If your pension scheme was converted to a Wtp scheme on or before 1 January 2025, the value of your investments at the time of the conversion will not be shown separately. 
 
How do I know whether my pension scheme has already been converted to a Wtp scheme? 

You can find this information on your UPO under‘ Type of pension scheme’: 

• Flexible pension scheme means that your pension scheme already complies with the new legislation. 
• Defined contribution scheme means that your pension scheme did not yet comply with the new legislation in 2025. 
   

Please note: if your pension scheme was converted to a Wtp scheme after 31 December 2025, this will be reflected in next year's UPO. Your personal pension page always shows the most up-to-date status of your pension. Your employer decides when your pension scheme transitions to a new scheme. 

With a net pension scheme, you accrue pension using money on which tax has already been paid. As a result, you will usually see your accrued pension capital (contributions plus returns) and an estimate of your future pension. You may also see a partner’s pension. Because the pension capital is invested, the amounts shown are estimates. Your eventual pension may be higher or lower than the amounts shown. 

You will continue to receive a Uniform Pension Overview (UPO) from BeFrank if you are no longer employed but still have pension capital or pension with us. The UPO provides an overview of the pension you had accrued up to the date you left your employer. As long as your pension remains with us, we are legally required to send you a UPO. This ensures that you stay informed about the value and development of your pension.

The Uniform Pension Overview (UPO) is based on your situation as at 31 December of the previous year. This is known as the reference date. We can only process a divorce once it has been finalised and reported to us. Any changes resulting from the divorce will then be reflected in your UPO for the following year. 
 

If your divorce had not been finalised by the reference date of 31 December 2025, it will not yet be reflected in your 2026 UPO. Once the divorce has been processed in our administration, the pension division with your former partner will be included in the UPO for the following year. This will only happen after all details have been confirmed and you have received confirmation from us. 
 
You may find this useful: Relationship break-up, how does it affect your pension? 

BeFrank uses an ‘undetermined partner system’. This means that we only determine who is entitled to any benefit under the terms and conditions when you pass away. Therefore, we do not show partner details on the UPO. If your pension scheme includes a partner’s pension, you are still covered for this benefit. On your personal pension page, you can see the benefits you are entitled to. 

You can update your personal details through your personal pension page or via your employer. It is important to keep these details up to date.