Third pillar contributions info

 

You can make contributions one by one or set up a standing order. You can make contributions in our web app. Log in by clicking here:

Make a contribution

Fund units appear on your pension account by the end of the next working day. If you transferred money over the weekend, you will see new units on your pension account by Tuesday evening.

If you want to make a one time contribution to another person’s III pillar in Tuleva fund, use these payment details in your internet bank:

  • Payee: AS Pensionikeskus
  • Account number (choose one):
    • Luminor BankEE961700017004379157
    • SEBEE141010220263146225
    • LHV: EE547700771002908125
  • Reference (Viitenumber): Pension account number (You find the number here)
  • Payment details (Makse selgitus): 30101119828, EE3600001707

Frequently asked questions

You can find your recurring payment in your internet bank.

In Swedbank you can see recurring payment by selecting Pension -> III pillar -> Selecting a Fund -> Actions -> Pension III pillar regular payments.

In SEB you can find recurring payment by clicking here.

By selecting Transactions -> Standing payment orders. In the list, you will find a standing order with AS Pensionikeskus as the beneficiary. 

In LHV internet bank, you can find recurring payment by clicking here.

You can find the recurring payment made by selecting Everyday Banking -> Standing Orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee.

In Luminor bank you can find the recurring payment by clicking here.

You can find recurring payment made in your Luminor bank by selecting Autopilot -> Standing orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee. 

As contributions to the third pillar are not automatically deducted from your wages or social tax as in the second pillar, you make these contributions yourself, and they will be credited to the fund as soon as you have made the payment (or set up a standing order). To make a contribution log in here.

You can save any amount in the third pillar, there is no minimum. Here are some important things to keep in mind:

1. The optimal and maximum amount you should save in the third pillar is 15% of your annual gross income, but not more than 6,000 euros. This gives the biggest tax gain. Our calculator will help you make the calculation, and you can find more detailed explanations from investor Kristi Saare here.

The state is giving a great tax incentive to savers in the third pillar – next spring, you will get a tax refund on the amount contributed this year. Before looking for other investments, it is definitely worth making the most of the tax benefits of the third pillar every year. However, there is no point in investing more money in the third pillar than the tax-free limit. Read more about how the tax incentive for pension pillars will benefit you.

2. Don’t worry if you can’t save 15% of your gross income. For the beginning, set aside an amount that does not require you to sacrifice too much today. Start with as little as 25 euros a month and see if you can increase that amount next year.

3. The third pillar is an excellent tool for saving with a longer time horizon. As with any investments, don’t invest the money you need in the near future.

To change the terms of recurring payment, go to your internet bank, where payments are made and you can make the changes you want.

In Swedbank you can see recurring payment by selecting Pension -> III pillar -> Selecting a Fund -> Actions -> Pension III pillar regular payments. You can see the name of the fund, where regular payments are directed and by clicking on this the recurring payment opens. Terms of this recurring payments can’t be made, but you can cancel the contract and start a new one.

In SEB you can find recurring payment by clicking here.

By selecting Transactions -> Standing payment orders. In the list, you will find a standing order with AS Pensionikeskus as the beneficiary. You can change the data on the given standing order or, if you wish, delete the order.

In LHV internet bank, you can find recurring payment by clicking here.

You can find the recurring payment made by selecting Everyday Banking -> Standing Orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee. You can change the terms of the standing order or, if you wish, cancel the standing order.

In Luminor bank you can find the recurring payment by clicking here.

You can find recurring payment made in your Luminor bank by selecting Autopilot -> Standing orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee. There you can change the data or finish the standing order. 

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