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Pension payment to a foreign bank account

Earnings-related pension – both personal pension and survivors' pension – that has accrued in Finland can be paid to a pensioner living in any foreign country. The nationality of the pensioner has no bearing on their entitlement to pension. There is one exception: part-time pension. The part-time employment required for part-time pension can only take place within the EU, the EEA and countries that have signed a social security agreement with Finland, which means part-time pension is only paid to those countries.

If you wish, your pension can be paid to your foreign bank account. For that, we require your international IBAN account number and your bank’s BIC or SWIFT code, which your bank can provide you with. You can change your bank account number yourself on our eServices (Finnish banking codes or a mobile certificate required for logging in). You can also send the information to us by letter or by fax, or you can print up the ‘Notification of a changed bank account’ form below and send the completed and signed form to Varma by post. Your bank account details cannot be given over the phone or via e-mail, because the notification of a changed bank account must contain the pensioner’s signature.

Varma pays pensions abroad always through a Finnish bank. The bank transfers the pension abroad usually in the currency of the receiving country. If the pension is paid to a country outside the EU and EEA, the Finnish bank will charge a commission on the pension. The foreign receiving bank may charge fees even if the pension is being paid to an EU or EEA country. Contact your foreign bank directly for information about the amount of the fees charged.

Notification of a changed bank account (pdf)

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