Pensions with EU countries
proven experience
Gestionamos your European Pension
At PCB Pensions, we have extensive experience helping our clients manage pensions in countries of the European Union (EU), European Economic Area (EEA) and Switzerland. We specialize in coordinating the necessary procedures to have contribution periods in different countries recognized, simplifying the process and ensuring that you can access your pension without worrying about bureaucracy.
What are the bilateral agreement pensions?
Pension agreements for member countries of the European Union (EU), European Economic Area (EEA) and Switzerland are designed to protect the rights of workers who have developed their careers in more than one member country. These regulations, based on the Community Regulation on the Coordination of Social Security Systems, make it possible to aggregate contribution periods in the countries involved, ensuring that work efforts made in different social security systems are recognized when applying for a pension.
How do bilateral retirement agreements work?
When a person has worked in two or more countries within the EU, the EEA or Switzerland, the contribution periods in each social security system are added together to meet the minimum retirement requirements, such as the years contributed and the required age. However, each country calculates and pays a pension proportional to the time the person contributed in its territory.
For example:
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If you have worked 10 years in Spain and 20 years in Germany, these countries will add the 30 years of contributions to determine if you meet the retirement requirements in each country. Each country will pay a pension proportional to the time you contributed in its system:
- Spain will pay based on 10 years of contributions.
- Germany will do the same for 20 years.
Pensions with Switzerland
Retirement Age: Female 64 years old, Male 65 years old
Contribution Time: from 25 years
For Switzerland we manage:
Pension by agreement
Pensions with EU members
Retirement Age: Depends on the member country
Contribution Time: Depends on the member country
For members of the European Union we manage:
Pension by agreement
Pensions European Economic Area
Retirement age: Depends on the country
Contribution time: Depends on the country
For EEA countries we manage:
Pension by agreement
How we do it
These steps guarantee an agile, transparent and comfortable process, eliminating the complexity of managing international procedures. Schedule your appointment today and let us help you secure your future!
01
Book your appointment online
The first step is simple: schedule your appointment through our online platform. You only need to select the date and time that best suits your availability.
02
Personalized initial consultation
During the appointment, one of our experts will review with you your work history and contribution periods in Spain and the countries with bilateral agreements. We will answer your questions and evaluate if you meet the requirements to access a retirement agreement.
03
Complete processing management
If you decide to continue with the process, we will take care of all the necessary documentation and paperwork in both countries. From requesting contribution certificates to coordinating with social security institutions, our team does all the work for you, without you having to travel.
04
Follow-up and resolution
Once the process has started, we will keep you informed about the progress of your application. If any issues or delays arise, our team will act to resolve them quickly.
Frequently asked questions on bilateral agreement retirements
The time varies according to the countries involved and the complexity of the case. In general, the process can take between 6 and 24 months. Our team expedites the procedures so that you receive your pension as soon as possible.
The contribution periods in the EU countries, EEA and Switzerland are totaled under the regulations of the Community Regulation on the Coordination of Social Security Systems. This means that the years worked in different countries are added together to meet the minimum retirement requirements, such as years contributed and retirement age.
Yes, each country where you have contributed will pay a pension proportional to the time worked in its territory. The amount is calculated according to the regulations of each country and the contribution periods you have accumulated in their social security system.
Yes, you can apply for retirement from the country where you currently reside. The social security institution of the receiving country will coordinate with the other countries involved to process the corresponding pensions.
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To attend the appointment, it is necessary to have a document from Spain (DNI or NIE), the identity document from the country of origin and, if available, the updated employment record.
Please make sure you have these documents in physical or digital format as appropriate.
