Most asked questions

You can log in easily and securely to your personal pension page using your DigiD. You will find your UPO under Documents.

Do you not have a DigiD or are you unable to log in? First, visit our Help with logging in page. There, you can find information about how to apply for a DigiD or, if applicable, how to log in in another way. 

No, usually not. Only participants who have chosen to receive important messages from BeFrank by post will receive a paper copy. You can view your UPO under Documents on your personal pension page and print it if you would like a paper copy of your UPO. 

First, check whether you have received an email from us about your UPO. The email may have ended up in your spam folder. You can also log in to your personal pension page with BeFrank without the email. You can find your UPO under Documents.  

Please note that we do not send all UPOs at the same time, so you may not have received yours yet. If you have not received your UPO by 1 October and believe you should have, please contact us. In some situations, no UPO is issued, for example if you have not yet accrued any pension.

You will receive an email as soon as your UPO is available on your personal pension page with BeFrank. You can use the email to go directly to your UPO. You can log in easily and securely using DigiD. 
 
If you have chosen to receive important messages from BeFrank by post, we will send a paper copy of your UPO by post. In that case, your UPO will also be available online under Documents on your personal pension.

The legally prescribed UPO format is sometimes updated 
The format and content of a Uniform Pension Overview (UPO) are prescribed by law. That is why all pension providers use the same format. The format is updated from time to time, and we are required to use the latest version. This year, the format has been updated slightly as well.  

The UPO for a Wtp pension scheme looks different from the previous UPO 
It is also possible that your pension scheme has transitioned to the Future Pensions Act (Wtp). The UPO format for a Wtp pension scheme is different from the previous UPO.  

The previous UPO mainly showed how much pension you had accrued. The new Wtp UPO mainly shows how much money is in your pension pot and how it is developing. For example, you can see how much contribution has been paid in, what return your investments have generated, and more clearly which costs have been incurred.  

As a result, some sections may look different or be presented differently from last year. The information remains based on your personal pension details.  

All pension providers use the same UPO format. This makes it easier to compare pension overviews from different pension providers. 

The information on your Uniform Pension Overview (UPO) may differ from the information shown on mijnpensioenoverzicht.nl. This is because the two overviews are prepared at different times and based on different assumptions: 

• Your UPO is based on the status as at 31 December of the previous year and shows the state of your pension within your pension scheme with us at that point in time.  
• Mijnpensioenoverzicht.nl combines information from multiple pension providers and the State Pension (AOW). The reference dates and calculation assumptions may also differ from those used for your UPO. Mijnpensioenoverzicht.nl is updated three to four times a year.  
   

As a result, there may be differences between the two overviews. 

You will not receive a Uniform Pension Overview (UPO) for 2026 from BeFrank if:  

• you became a member of a pension scheme with BeFrank after 31 December 2025. You will receive your first UPO from BeFrank next year. 
• you have not yet accrued any pension. 
• you have accrued only a very small pension amount, amounting to just a few euros. 
• you are the former partner of a member of a BeFrank pension scheme. 
   

Not sure? On your personal pension page, you can check whether you have a pension with BeFrank. If you do not have a personal pension page with us, there is a good chance that you do not have a pension with BeFrank. On mijnpensioenoverzicht.nl, you can find an overview of all your pensions.

BeFrank sends out Uniform Pension Overviews (UPOs) once a year. This usually takes place in the third quarter, but always before 1 October.  

We need to prepare an accurate UPO for all our participants. This must be done carefully, which is why we take the time needed to do so. You can expect to receive your UPO 2026 between mid-August and mid-September. 
 
If you have not received your UPO by 1 October 2026 and believe you are entitled to one, please contact us.