We support you in a world that’s going through incredible change

Varma provides pension insurance for Finnish work and is a pioneer in work ability management. We are also a responsible and solvent investor. As our customer, you can always rest assured that we invest your pension assets responsibly and profitably for future pensions. From us, you get professional service that is appropriate for your situation in all matters related to pensions and coping at work. We are there for you in changes, big and small, during and after working life.

Annual and Sustainability Report 2023

In 2023, we comprehensively promoted sustainability and prepared for the sustainability reporting directive.

Current pension issues for private customers

Please return the residence report as soon as possible

If you have Finnish online banking credentials, you can submit the residence report through our online service. The residence report must be returned with your signature even if your circumstance have not changed from the previous year. If you have not yet returned your residence report, the payment of your pension/benefit will end on 31 March 2024.

Log in to Varma Online Service

Current issues from the pension record

Did you know that the pension also accrues from social benefits these days? If you received, for example, earnings-related unemployment allowance last year or completed a degree, last year's benefit information will be updated on your pension record by the end of March.

Log in to Varma Online Service and check your pension record

Need more information about pensions in Finland?

Do you need basic information about the Finnish pension system? How pension accrues and how you can apply for a pension for work done in Finland?

Watch our webinar recording "Information about pensions in Finland"

If employment ends before retirement age

Did you lose your job? How does unemployment affect your pension if it ends before retirement age?

Read more about how unemployment affects the amount of pension

Help with using our services

Take care of your pension matters online

In our online services for a private customer you can, e.g.

  • calculate an estimate of the amount of your pension in advance
  • apply for pension or rehabilitation
  • see how the processing of your application is progressing
  • view decisions and documents in the electronic archive
  • use services for pensioners once you have received a decision
  • send and receive messages and attachments.

Log in using your personal banking codes or Mobile ID.

Log in to Varma Online Service