Common questions

MyPensionIQ brings your state, employer, private and real estate pension contributions together in one place, giving you a single view of your retirement savings, contributions and projected retirement income.

Individuals with multiple pensions, people who've worked across countries, employees with employer pensions, and organisations wanting to offer pension intelligence as part of their benefits or digital platform.

Pension information is often spread across governments, previous employers, pension providers and private accounts. MyPensionIQ brings this together so you can understand what you have, what you may receive, and what you can do next.

State pensions, employer pensions and private pensions. Depending on your plan, you can also include relevant retirement-related assets such as real estate.

Yes. MyPensionIQ is designed to give you a consolidated view of your retirement position rather than requiring you to check multiple providers separately.

Yes. Cross-border pension aggregation is one of the core use cases for MyPensionIQ — bringing eligible pensions from different countries into a single retirement view, subject to country and provider coverage.

We launch with Luxembourg, Switzerland and Liechtenstein for cross-border commuters, and Ireland, Malta and the Isle of Man for resident expat workforces, with more markets planned.

MyPensionIQ helps bring eligible pension information from different countries together so you can understand your overall retirement position.

Yes. MyPensionIQ is particularly useful for people who've built pension rights in more than one country during their career.

Where sufficient pension information is available, MyPensionIQ consolidates your pension projections into a combined retirement view.

Create your account, select the relevant pension or provider, and follow the connection process. Where direct connectivity is available, information is retrieved and consolidated into your MyPensionIQ dashboard.

Usually around 10 minutes per pension for digital connections. Some pensions may require additional information or manual verification.

You can still tell us about the pension and we'll use the available information to help build your retirement picture. Provider coverage continues to expand.

Yes, where supported by your plan. This lets you include pension information that can't yet be connected automatically.

It depends on the underlying provider or pension system and the type of connection. MyPensionIQ shows the latest available information.

MyPensionIQ combines your available pension information with factors such as contributions, retirement age and other relevant assumptions to estimate your potential retirement position.

No. Projections are estimates, not guarantees. Your actual retirement income can change depending on contributions, investment performance, legislation, inflation, retirement age and other factors.

Yes. Scenario planning lets you explore how changing your retirement timing could affect your projected retirement position.

Where the required information is available, you can explore different contribution scenarios to understand their potential impact on your retirement outcome.

Yes. MyPensionIQ helps you compare scenarios such as retiring earlier or later, changing contributions, or adjusting other relevant assumptions.

Yes. MyPensionIQ helps you understand how your projected retirement position compares with your goals and highlights areas that may need attention.

Yes. MyPensionIQ has been cleared by both the CSSF and the FSA, and your data is encrypted in transit and at rest.

No. MyPensionIQ never sells your personal pension information.

Your pension information is accessible only to you and authorised parties where you've explicitly provided permission.

MyPensionIQ uses secure connection methods where available, rather than requiring us to store your underlying pension-provider password.

Yes. You can manage your connected pension information and remove connections at any time.

MyPensionIQ has received clearance from both the CSSF (Luxembourg) and the FSA, with no licensing requirement, and falls outside the scope of FIDA.

No. MyPensionIQ is a pension aggregation, analytics and planning platform. It doesn't replace regulated financial advice.

The information required to create your account, connect eligible pension sources, and provide your pension dashboard and planning services.

It's needed to create an accurate consolidated view of your retirement position and provide relevant projections and insights.

You can request deletion of your personal information, subject to applicable legal and regulatory requirements.

No. Individual pension information stays private. Employer reporting is built around aggregated or anonymised information, not individual employee pension details.

Free to start with one pension connection. Premium is €49.99/year, Household is €94.99/year. Employer and enterprise pricing is separate — see the pricing page.

Yes. The free plan lets you start building your pension picture and explore the platform before deciding whether you need more.

A basic pension overview and projection, covering one state pension, up to two employer pensions and one private pension.

Yes. Upgrade whenever you need more pension connections, household planning, scenario analysis or other Premium features.

Yes. Paid subscriptions can be cancelled according to the applicable subscription terms.

MyPensionIQ turns pensions from an underused employee benefit into an understandable, engaging financial wellbeing experience.

It helps employees better understand their pension benefits — particularly employees with multiple pensions, international careers or cross-border retirement needs.

Yes. Employers can provide MyPensionIQ as part of their employee benefits and financial wellbeing offering.

No. Employee privacy is fundamental. Employer reporting focuses on aggregated engagement and benefit-level insights, not individual pension information.

Yes. Employers, financial institutions and benefits platforms can explore white-label deployment options.

Yes. MyPensionIQ can operate through API or embedded experiences, depending on your organisation's requirements.

Banks, insurers, pension providers, employee-benefit platforms and other organisations wanting to provide pension aggregation and intelligence within their own customer experience.

Yes. White-label deployments can be configured to align with your organisation's brand and digital experience.

Yes. Enterprise integrations can use API-based connectivity where appropriate.

Create your account, tell us where you've worked, and connect your eligible pension sources. MyPensionIQ brings the information together into one retirement view.

Initial setup is quick, though the time to connect pensions depends on the providers and countries involved.

No. MyPensionIQ is still useful if you have one pension today and expect to build additional pension rights throughout your career.

Your information is consolidated into your dashboard, where you can review your retirement position, explore projections and understand potential next steps.