How will I receive my ATP Livslang Pension?

You will receive the pension amount either as a lump sum or a monthly payment. The size of your ATP Livslang Pension determines how you receive ATP Livslang Pension:

• If your ATP Livslang Pension amounts to more than DKK 3,450 (2025) or DKK 3,600 (2026) per year before tax, you will receive your pension monthly for as long as you live.
• If your ATP Livslang Pension amounts to DKK 3,450 (2025) or DKK 3,600 (2026) or less per year before tax, you will receive your pension as a lump sum.

ATP’s Supervisory Board may change the annual limit in the future. Your payment may change from a lump sum to a monthly payment if you pay in more ATP contributions or postpone your retirement, thus increasing your pension.

If you live in Denmark, your ATP Livslang Pension will automatically be paid to your NemKonto when you reach the Danish retirement age.

If you live outside of Denmark, you must request to have your ATP Livslang Pension paid to you and specify to which account you want it transferred.

ATP Livslang Pension is paid in advance and is paid on the last bank day of a month.

Shortly before you reach the Danish retirement age, you will receive a letter from ATP Livslang Pension.

Therefore, make sure that ATP has your address. Our letter contains a form which you have to fill out with your bank information and return it to ATP.

Digital Post

If you are signed up for Digital Post you will receive your letter(s) in your digital mailbox. 

If you do not have an address in Denmark, please remember that ATP must have your address abroad in order to pay out your pension.

Choose a Danish or a foreign account

You decide whether you want your ATP Livslang Pension paid out to a Danish or a foreign bank.

If you have a Danish bank account the transfer will have no cost to you.

If you have a foreign account you must pay a fee.

The bank deducts a handling fee

Our banking agreement will charge up to 4,95 DKK per transfer, no matter which foreign country the money is transferred to. Your bank abroad may also charge a fee for receiving the money. Please contact your bank abroad regarding their fee.