ATP - arbejdsmarkedets tillægspension in Denmark
All employees who are between 16 and 66 years old and who work at least 9 hours per week pay an ATP contribution on their income. If you have worked in Denmark, your employer has paid ATP for you and ATP contributions have also been deducted from your salary. This applies even if you live in Sweden.
Inform ATP of your address in Sweden in good time
Approximately 3 months before you reach retirement age, you will receive an information letter from ATP. The letter states how much you will be paid and if the amount is to be paid monthly or as a lump sum. It is therefore important to ensure that ATP has your address and that you inform them of your new address if you move. ATP does not get automatic notification of your new address if you move.
You can choose to receive payment from ATP Livslang Pension from the time you reach retirement age. You can also choose to defer payment until 10 years after your retirement age. The longer you wait to receive your pension, the higher the pension will be. The amount of ATP you receive as a pensioner depends on how much you have paid in contributions over the years.
Extra charge for payment to a Swedish bank
You pension can be paid into a Danish or a Swedish account. Please note that you must pay a fee if your pension is paid to an account overseas. You should send in your bank information to ATP to get your pension paid into a foreign account.
More information on ATP
You can find more information about ATP Livslang Pension at lifeindenmark.dk. If you have a NemID/MitID you can also see how much you have paid in.
If you have any questions, please contact ATP by phone on: +45 48 20 49 23
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Pension payment when working in Denmark
You apply for your pension in the country of your residence, for both the pension earned in Denmark and Sweden. The exception is if you have only worked in one of the countries. In that case, you must apply for your pension in the country where you received your income.