We are developing our online service. For this reason, our service will be interrupted on Friday 24.9., from 5 pm to 6 pm and on Saturday 25.9., from 0 am to 4 pm.

Instructions and other information that answers most of your questions can be found on our website. The quickest way to send us your application is through our Online Services. You can also print the application you need at Työeläke.fi and then send it, with the required attachments, via a secured email connection at https://turvaposti.varma.fi/. Enter skannaus@varma.fi in the ‘To’ field and your personal identity code and name in the ‘Subject’ field.

We serve you in pension and rehabilitation matters by phone on weekdays from 8 am to 4 pm, tel. +358 (0)10 192 102.

We apologise for any inconvenience the service interruption may cause.

Employee pension card and pension certificate

The employee pension card is available to pensioners drawing a permanent full pension. By showing the employee pension card, you can receive discounts on public transport, theatre tickets and public swimming pool entry fees, to name just a few. You can also download the employee pension card to a mobile device. In our online services, you can obtain a pension certificate, for instance, for the Social Insurance Institution Kela.

Employee pension card

We will send the employee pension card, which entitles the holder to pensioner discounts, by post to your home address roughly two weeks after the pension decision has been granted. The trilingual employee pension card serves as proof of retirement also outside of Finland.
You can obtain the pension card from Varma if you receive

  • old-age pension
  • permanent, full disability pension or
  • the years-of-service pension


The card can only be granted to persons who receive a permanent full pension, so partial early old-age pension, part-time pension, partial disability pension, the cash rehabilitation benefit or survivors’ pension do not entitle you to the employee pension card.


You can also use the employee pension card on your mobile device


You can also save your electronic employee pension card on your smart phone or tablet when you log in to our online service using your personal Finnish banking codes or a mobile certificate. You can also order the conventional card from our online service if your old card has been lost or damaged.


How to use the electronic employee pension card


You can save the electronic employee pension card on your smart phone or tablet when you begin receiving pension payments. The surest way to save the electronic employee pension card is on an Android phone, iPhone or tablet as follows:

  1. Check that your phone’s or tablet’s internet connection is on.
  2. Log in to our online service using your online bank codes or a mobile certificate.
  3. In your phone or tablet, go to the Employee Pension Card page.
  4. Save your employee pension card on your smart phone or tablet.

Log in to Varma OnlineService


You can read the instructions for saving the card in advance:
Instructions for Android phones
Instructions for iPhones


In future, you can open the card through the ‘Varma’s employee pension card’ icon and you will no longer need to log in. The card will open without an internet connection.

Any questions concerning the electronic employee pension card?

We have compiled below some frequently asked questions about the employee pension card.

The employee pension card page is only available to those who are entitled to the employee pension card. The card can only be granted to persons who receive a permanent full pension, so partial early old-age pension, part-time pension, partial disability pension, the cash rehabilitation benefit or survivors’ pension do not entitle you to the employee pension card.

Check first that your phone has a functioning internet connection.
You can find more detailed instructions for saving the card on this page under the heading “How to use the electronic employee pension card”.

The saving instructions are not available in the online service after you have closed them from the ‘x’. You can find the instructions for Android phones and iPhones on this page.

Varma’s electronic employee pension card was renewed on 29 August 2019. Unlike the old card, the new card can be used without an internet connection.
If you are still using the old employee pension card, go to our online service and save the latest version of the card on your phone or tablet as soon as possible. Before saving the new version of the card, remove the icon of the old employee pension card from your phone or tablet. The icon for the old card was deactivated at the start of November 2019. Thereafter, the employee pension card no longer opens from the old icon.

Pension certificate

When dealing with the tax office, the social insurance institution (Kela) or social service offices, you may be required to provide certificates concerning your pension. The fastest way to get a certificate is by logging in to our online service. When you log in to our online service, you can print up a certificate stating the

  • amount of your monthly pension
  • the amount of pension paid this year
  • the amount of pension paid last year

The certificate in our online service is available in Finnish, Swedish and English.

Do you need a signed or stamped certificate?

If you require a signed or stamped certificate, for instance for a visa, log in to Varma Online Service and send a message via the “Messages and attachments” page, or send a request for a pension certificate via secured email.

  1. In the “Lähettäjä” field in turvaposti, enter your email address.
  2. Click “Jatka” to continue and enter the subject and your message.
  3. Click “Lähetä” to send the message.

Log in to Varma Online Service

Send a secure email message

Help with using our services

Take care of your pension matters online

In our online service, you can, for instance

  • order the employee pension card
  • send and receive messages and attachments
  • view decisions and documents in the electronic archive
  • update your contact details and raise your tax percentage.
Log in to Varma Online Service