Pension capital certificates


Pension capital certificates are pension assets that former employers with a defined contribution pension scheme have saved for you.

If you have an own pension account through your current employer, your pension capital certificates are automatically collected there - without you having to do anything.

If you have a pension capital certificate with another pension provider, you can easily move it to Storebrand.

Move your pension capital certificate today

If you have a pension capital certificate with another pension provider you can move it to Storebrand. Our advisors are happy to help you.

Please call tel. 22 31 20 00

Log in and get an overview

If you have a pension account in Storebrand, you can log in and get a full overview of your pension.

On your pages, you can change your savings profile, plan your pension and start withdrawals.

Log in - check your pension


With a pension capital certificate with us, you get:

  • a good overview of your pension
  • retirement savings automatically adjusted to your age
  • access to a wide selection of funds and savings profiles
  • a simple solution to start pension payment

Q&A Pension capital certificates
  • add What is a pension capital certificate?

    A pension capital certificate is a certificate documenting your total pension contributions from a former employer or employers with a defined contribution pension scheme. From 2021 you will receive a pension capital certificate only if you stop working in the private sector.

    Your pension capital certificates will be transferred automatically into your own pension account during 2021, unless you reserve yourself from the transfer.

  • add Can I merge several pension capital certificates?

    Yes. In doing so you will also save administration costs. 

    Your pension capital certificates will be transferred automatically into your own pension account during 2021, unless you reserve yourself from the transfer.

  • add When can I start claiming the pension?

    You can start claiming your pension from capital certificate assets when you retire, from the age of 62. Should you become disabled before 62 the rule still applies. 

    The money will be been paid out together with other pension assets.

  • add How do I start the pension payout?

    Well before you retire, Storebrand will send you a letter asking for necessary information to initiate the pension payout. Once this is in place, the payout will start.

  • add What happens to my pension savings if I die?

    In the event of your death all assets on your pension account will be paid out to your beneficiaries.

  • add What is administration costs and why do I have to pay this?

    Administration fees are costs related to administering your agreement. In Storebrand, you pay an annual administration fee of 1 percent of the pension savings balance, but not more than NOK 400. If you have several pension capital certificates, we recommend that you collect these into one agreement to avoid additional fees.

Details on pension capital certificates

More information about investment choices, savings profiles and how to easily make changes to your pension capital certificate.
  • add Investment choices

    In Storebrand, you can change the pension profile on your pension capital certificate free of charge. With the right savings profile, you can achieve a much better return and thus more in retirement. You have many exciting funds to choose from, with different management fees. depending on the risk represented by the various funds.

    Our fund selection (page in Norwegian)

  • add Payouts

    Payouts from pension capital certificates can start from the age of 62. The payout period is set at a minimum of 10 years and up to the age of 77. However, if the annual pension payout is less than 20 per cent of the National Insurance basic amount, the payout period can be altered.

  • add Costs
    • Annual administration costs: 1 percent of the savings balance, but not more than NOK 400
    • The management fee depends on which funds you have invested in, varying from 0.2 to 2.5 percent.
    • Fund switching: no costs.
  • add Switching savings profile or funds

    Switching savings profiles or funds is free of charge.

    1. Log in to your personal pages.
    2. Select the tab «Pension» and menu item «Pension agreements».
    3. Find the agreement you want to change your savings profile on.
    4. Press «Show details», then «Change savings profile».

Past performance is no guarantee of future returns. Future returns will depend, among other things, on market developments, the manager's skills, investment risk and management costs. The return can be negative as a result of a fall in stock prices.
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