I've migrated from Italy to Austria. I don't trust Italy and I would prefer to migrate the money I have in my retirement fund in italy to austria. Is it that possible in EU?

Another option could be to withdraw the money from the Italian retirement fund to a bank or a private retirement fund.

Is it possible?

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    I'm not sure if this is something that's governed by EU law. Assuming not, it'll be entirely specific to the rules of each country
    – Gagravarr
    Commented Mar 13, 2014 at 14:14
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    @gagravarr not only countries but also pension funds, since in some EU countries those are private organisations
    – Andra
    Commented Mar 13, 2014 at 14:15
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    You can either get paid from each of the 10 countries or you can consolidate your commitments into one countries account. But most of the time you cannot take portions(only the whole sum) and most of the time you do not even see the money , the just say where you want to move it to, country, company etc.
    – Piotr Kula
    Commented Mar 13, 2014 at 14:15
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    @Revious: I mean one thing is if it's possible to withdraw, another is how is pension from multiple EU countries handled.
    – vartec
    Commented Mar 13, 2014 at 15:00
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    @Revious, I think that in that case you should add tags for the countries concerned. And as it stands, the title is probably too broad too, unless someone can show that there is a 'one-size-fits-all' answer for Europe
    – Benjol
    Commented Mar 14, 2014 at 6:31

1 Answer 1


Q: What happens if someone works in 10 countries to his retirement?

If they happen to be 10 EU countries, then in the last country that person worked in he should apply for pension and get pension combined from all the countries he worked in.

As Europa.eu portal explains, if you've worked in several EU countries, you may have accumulated pension rights in each of them, but you only apply in one, which ought to take care of aggregating them.

When the time comes for you to claim your pension, you'll have to apply in the country where you're living - unless you have never worked there. In this case, you should apply where you last worked.

That country is then responsible for processing your claim and bringing together records of your contributions from all the countries you worked in.


If you've worked in several EU countries, each country's pension authority will first calculate your pension using its own rules, based on the contributions you paid there (known as independent benefit).

Q: Is it possible in EU to withdraw a portion of the contributions for retirement?

This depends on individual regulations in each country. As far as I know, most European countries do not allow withdrawal of retirement contributions.

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