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Pension account

A pension account brings together your defined-contribution pension from current and previous employers. All in one place.

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  • Good management of your pension

  • Helpful advice from our experts

  • Full overview of your pension in the Spare app

What is a pension account?

Early in 2021, everyone who has a defined-contribution pension received own pension account – fully automatic. A pension account brings together your defined-contribution pension and pension capital certificate in one place. This gives you a better overview, lower costs and the chance to build a larger pension pot. Your own pension account was set up with your employer’s pension provider. You are free to choose a pension provider yourself. Below you can see what benefits you can enjoy by holding your pension account with us:

Advantages of a pension account at DNB:

Get access to a good selection of mutual funds

Choose how your pension will be invested

Good advice from our pensions team

We help you make the right choices

Full overview in the Spare app

In the Spare app, you can easily buy mutual funds and gather all your savings in one place.

Do you want to move your pension account to your employer’s agreement in DNB?

If your employer has pension savings at DNB, you can easily move your pension account from another provider to us. Order the transfer of your pension account to the employer’s agreement in the online bank.

Full overview of your pension in the savings app Spare

Investment video in Spare KAKEDIAGRAM 3840x3840

Spare gives you an overview of all parts of your pension, that which your employer has saved for you and what you save yourself, all in one place. The Spare app is available to everyone, including people who are not DNB customers.

What the Pension account and Pensjonskonto Flex have in common:

  • You must be employed in a company with a defined-contribution pension
  • You pay the costs for the administration of accrued pension benefits from previous employers yourself
  • Your pension capital certificates are collected automatically in the agreement
  • The money is locked until retirement age
  • You will be given access to pension profiles
  • The agreement can be moved to wherever you want at any time

If you have a defined-contribution pension, you receive a pension account automatically. If you want a Pensjonskonto Flex, this is something you have to make the choice to switch to.

What do I have?

If you have a defined-contribution pension, you receive a pension account automatically. If you want Pensjonskonto Flex this is something you have to choose to switch to yourself.

What is the difference between a pension account and Pensjonskonto Flex?

Pension­accountPensjons­konto Flex

The pension­account follows your employment­relationship

No, your pension will remain with DNB irrespective of where your employer has its pension scheme

Your current employer pays the costs for the savings they have for you

No, but you will receive compensation that corresponds to what the employer would pay for standard management with their supplier

Investment choice

You only get access to pension­profiles and mutual funds that the employer offers in its pension­scheme

You will be given access to a wide selection of pension profiles and mutual funds

Pensjonskonto Flex (Pension account Flex)

User 1

If you want access to a wide range of investments, our self-selected solution Pensjonskonto Flex may be something for you. If you want a Pensjonskonto Flex, this is something you have to make the choice to switch to.

Own pension account FAQs

Pension provider

The pension agreement is provided by DNB Livsforsikring AS.

Pensions

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