Pension Regimes
Four regulatory environments. One platform.
European pension regulation varies significantly by country. Pensvyne covers the major frameworks relevant to tech and professional services SMEs hiring across the region — so your team is always on the right side of the rules.
Where Pensvyne operates.
Mandatory workplace pension with qualifying earnings assessment. 3% employer, 5% employee minimum. Re-enrolment every 3 years.
Learn moreEmployee right to convert salary into pension. Employer 15% BRSG subsidy on Entgeltumwandlung contributions. Multiple implementation vehicles.
Learn moreSectoral pension fund participation with franchise offsets. WTP 2023 reform transitioning defined benefit schemes to defined contribution by 2028.
Learn moreSwedish ITP1/ITP2 via Collectum, Danish ATP statutory contributions, Finnish TyEL salary-percentage system. Covers the main employment pension obligations across Scandinavia.
Learn moreRegulatory Framework
The cross-border context: IORP II.
The EU's IORP II Directive (Institutions for Occupational Retirement Provision) sets the overarching framework for cross-border pension provision within the EU. It establishes requirements for governance, member communication, risk management, and supervisory reporting that apply to occupational pension schemes operating in EU member states.
For a UK-based company with employees in the Netherlands and Germany, this means managing one domestic regime (UK TPR/NEST) and two EU-regulated schemes (Dutch and German bAV), each with their own national supervisor and reporting requirements.
Pensvyne is designed to make this manageable — not to eliminate the regulatory complexity (which is fixed by law), but to ensure you have the right processes, data, and documentation in place for each jurisdiction without building three separate administration processes.