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Temporary agency workers in the Netherlands accrue mandatory workplace pension through StiPP (Pension Fund for Personnel Services). Under the modernized Dutch pension framework and CAO rules, flex workers build up pension earlier with higher total contributions, largely funded by the employer and clearly itemized on the weekly payslip.
1. What is StiPP and who is covered?
StiPP is the mandatory industry-wide pension fund for the staffing and personnel services sector in the Netherlands. Eligible agency workers automatically participate in the scheme.
- Mandatory industry pension fund for the Dutch staffing sector.
- Accrued pension capital stays yours even when changing assignments or agencies.
- 24/7 digital overview via Mijn StiPP Pensioen (using DigiD).
2. Earlier and stronger pension accrual under the modernized scheme
Aligned with the Dutch Future Pensions Act (Wet toekomst pensioenen) and updated CAO agreements, waiting thresholds have been removed and total contribution rates increased, alongside survivor’s pension protection during active participation.
- Faster entry into pension accrual without long qualifying periods.
- Higher combined employer-employee contribution toward your retirement pot.
- Partner and orphan pension protection while actively accruing.
3. How is the pension contribution split between employer and worker?
The total StiPP contribution is calculated on your pensionable earnings (gross pensionable wage minus the statutory offset/franchise). The staffing agency pays the majority share as employer, while a smaller fixed employee share is deducted from gross pay.
4. Checking StiPP on your weekly ACS payslip
Your weekly payslip from ACS clearly displays your pensionable base and employee StiPP deduction. Our coordinators are happy to explain every line in your own language.
5. What happens to your StiPP pension if you leave the Netherlands?
Your accrued StiPP pension capital is never lost. If you move to another Dutch employer you can transfer the value, and if you return to your home country your entitlement remains preserved until retirement age under StiPP rules.
6. What the modernized StiPP rules mean for hiring employers
For B2B clients, StiPP contributions are a statutory component of agency staffing costs. ACS includes up-to-date StiPP obligations transparently in every rate calculation.
