If you reside in a European Union Member State, Norway, Iceland, Liechtenstein, Switzerland or a state which has signed a bilateral cooperation agreement on social security with Estonia, then in order to apply for a pension from Estonia:
- Contact the social security authority of your country of residence;
- Present to them the documents necessary for applying for a pension from Estonia.
The competent authority of your country of residence will forward your pension application to us.
If you reside in another country, please note that in order to receive an Estonian pension you must have earned at least 15 years of pension qualifying period in Estonia. Please contact the Estonian Social Insurance Board directly to apply for an Estonian pension.
Proof of Life
If you reside outside of Estonia and receive your pension (old-age pension, survivor’s pension or pension for incapacity for work) from Estonia, you are required to prove that you are alive each year.read more
Payment of Estonian pension to foreign states
If you reside in a European Union Member State, Norway, Iceland, Liechtenstein, Switzerland, Canada or Australia,
we usually pay your Estonian pension once a month on the 5th day of each month for the current month.
At your request we can also pay the pension once a quarter or once every six months.
If you reside in Moldova, Ukraine, Belarus or the Russian Federation,
your Estonian pension is paid through the competent authorities of the relevant country once a quarter. If you relocate to one of those countries and want your Estonian pension payments to continue, you must contact the competent authority of your country of residence which will arrange for the necessary documents and send them to us.
If you relocate elsewhere,
we will keep paying your pension if you have earned at least 15 years of pension qualifying period in Estonia.
Let us know that you have relocated to another country and submit an application for continued payments of Estonian pension:
- Via e-mail to the address [email protected];
- Via mail to the address Paldiski mnt 80, 15092 Tallinn;
- By fax: +372 640 8155.
If you want us to transfer your pension to a bank account in a foreign bank, the service fee charged by the local bank shall be covered by you.
Taxation of Pensions if You Live Abroad
Rules for imposing income tax are different for residing in Estonia and for residing outside of Estonia. For example, Estonian income tax incentives do not apply to people residing outside of Estonia.
- Income tax (20%) is imposed on the pensions of everyone whose place of residence is not in Estonia.
- By way of an exception your Estonian pension is not subject to income tax in Estonia if you reside in Albania, Arabia, Armenia, Azerbaijan, Austria, Bahrain, Georgia, Guernsey, Spain, Croatia, Ireland, India, Italy, Japan, Jersey, Kazakhstan, Greece, Kyrgyzstan, Cyprus, Lithuania, South Korea, Latvia, Macedonia, Isle of Man , Mauritius, Moldova, Norway, Poland, Portugal, France, Germany, Serbia, Singapore, Slovakia, Slovenia, Great Britain, Switzerland, Thailand, Czech Republic, Turkey, Turkmenistan, Ukraine, Uzbekistan, Belarus or Vietnam. If you reside in one of those countries, you are required to submit once a year a certificate of residence for tax purposes issued by the Tax Board of your country of residence. If you hold a valid certificate of residence for tax purposes, we will pay your Estonian pension in full and it is subject to tax in your country of residence. If you do not have a certificate of residence for tax purposes or it has expired, your pension is subject to 20% income tax in Estonia.
- Tax-free pension income can be used if you live in Belgium, Bulgaria, the Netherlands, Iceland, Liechtenstein, Luxembourg, Malta, Sweden, Romania, Finland, Denmark or Hungary.
- From the beginning of 2023, a separate tax-free income of 704 euros per month applies to people who have reached retirement age.
- From 2023, a general tax-free income of 654 euros per month applies to a person of working age. The individual tax-free income rate depends on the person's annual income in Estonia and the country of residence.
Last updated: 09.05.2023