Pension and foreign countries
Living or having worked abroad
Slightly different methods of applying for pension apply depending on the country where the pension has accrued. The application for pension that has accrued to you in EU Member States and EEA countries, Switzerland, Great Britain and in social security agreement countries may be filed with your own pension provider in Finland.
- EU/EEA countries and countries with which Finland has a mutual social security agreement (Tyoelake.fi)
How to apply for a foreign pension when you live in Finland
Applying for pension that has accrued to you abroad differs depending on the country of employment.
EU Member States and EEA countries, countries with which Finland has a social security agreement
If you have worked in an EU Member State or EEA country or a country with which Finland has a social security agreement, you can file the application for your foreign pension with your pension provider in Finland. The pension will be paid from country to country.
You can apply for a foreign old-age pension when you apply for your Finnish pension if you are applying for both to start at the same time or if the foreign pension starts in no more than about a year from application. In this case, please complete the Application for an old-age pension.
If you want the foreign pension to start earlier or more than a year later than the Finnish pension, please apply for it by separate application. We recommend that you submit an application for a foreign pension about six months before the start of the pension. In this case, please complete the Application for a foreign old-age pension.
Use the My pension service to apply for pensions. The service will take you through the process one step at a time.
If you are unable to use the My pension service, you can also apply for a pension in writing.
Please post your application and attachments to: Keva, FI-00087 KEVA, Finland.
You can use the same application form to apply for a disability pension from Finland and abroad.
Finnish medical reports are usually enough as such and the foreign institution can request more information if needed. Since disability is defined differently in different countries, the decision of a foreign pension provider may differ from Keva’s pension decision.
- Read more about disability pension in Finland and how to apply for it: Disability pensions
Other than EU Member States, EEA countries and countries which Finland has a social security agreement
If you have worked in a country other than one with which Finland has a social security agreement, you must apply for your foreign pension yourself.
- You can ask the Finnish Centre for Pensions (Etk.fi) for advice how to apply.
If you receive a pension from a country that is not an EU Member State or an EEA country, or from a country, such as Russia, with which Finland does not have a social security agreement, please include a copy of the pension decision from the country concerned with your Finnish pension application.
More information about pensions in different countries
There are considerable differences in the pension systems in different countries. The same also applies to pension application procedures and practices.
- More information about pensions in different countries (Työeläke.fi) (In Finnish and Swedish)
Supplementary pension for non-Finnish citizens
If you have worked in the service of the Finnish Government abroad but are not a Finnish citizen, use the form below (in Finnish or in Swedish) to apply for a supplementary pension.Lomake: Valtion palveluksessa ulkomailla työskennelleen muun kuin Suomen kansalaisen ylimääräinen eläke (pdf) (55 kb) Extra pension till icke-finsk medborgare som varit anställd av finska staten utomlands (55 kb)
How to apply for a Finnish pension when you live abroad
Have you earned pension in Finland but are now living abroad? The pension will be paid to you regardless of your place of residence.
Please note that different application instructions apply on the one hand to EU Member States and EEA countries as well as countries which have a social security agreement with Finland, and to all other countries on the other.
People living in an EU Member State or EEA country or a social security agreement country
You should apply for pension in your country of residence. Each EU Member State and EEA country has a coordinating agency that deals with pension issues, and applications for Finnish earnings-related pension will be handled by this agency.
The coordinating agencies are usually the same agencies that process their national pension applications. If you do not know what the coordinating agency in your country of residence is, you can ask the Kela Centre for International Affairs (Kela.fi).
People living in other countries
Apply for Finnish earnings-related pension directly from Finland. Contact the Finnish Centre for Pensions (Etk.fi) or your pension provider.
Payment of pension abroad
Your pension can be paid into a bank account in Finland or abroad. Your nationality is of no relevance.
Pension paid abroad is liable to withholding tax. The amount of the withholding may be affected by factors including nationality and tax treaties.
Notify your foreign bank account online or in writing. We will require your international IBAN account number and your bank’s BIC code in order to pay your pension into a foreign bank account.
You can notify this information in the online service My Pension (available in Finnish and in Swedish) or in writing by posting your notification to: Keva, FI-00087 KEVA, Finland.
- How to change the bank account into which pension is paid: Changes to personal details
Proof of residence for persons living abroad
If you are permanently resident abroad, you must report your address to Keva each year. This applies even if your address is the same as the previous year.
The easiest way to report your address is through the online service My Pension (available in Finnish and Swedish).
We will send proof of residence forms in stages throughout the year to all pension recipients resident abroad. You can report your address online already before you receive Keva’s letter. If you do this, we will not send you a letter.
If for any reason you are unable to use the My Pension service, you can report your address also by signing and returning the proof of residence form to Keva. Please post it to: Keva, FI-00087 KEVA, Finland.
If we do not receive proof of your residence by the deadline, payment of pension may be suspended until proof of residence has been provided.