When you retire

You need to apply for all your insurances. When and how you can take out your pension function a little differently. To apply use our form or log in with a Swedish e-ID.

When you apply you can use our form. In the application you need to write your insurance number - you find it in your annual pension statement. If you have a Swedish electronic identification (Swedish eID or BankID) you can log in an apply on our webbsite. You cannot stop payments once you have started to receive your pension.

You may have one or several insurances. Find out how many you have by reading your annual pension statement that you recieve once a year from us. 

Application for pension from Kåpan Pensioner

Log in and apply with Swedish e-ID or BankID

How you can withdraw your pension

Register your bank account

To receive your money you have to register your bank account. Our pensions are paid through Swedbank. If you have a foreign account you register your account by filling out this form and returning it in original to Swedbank.

Account notification for bank account in a foreign bank (pdf, new window)

If you have a Swedish account and a Swedish electronic identification (Swedish eID or BankID) you register your account records online.

www.swedbank.se/kontoregister

You can also register your Swedish account by filling out this form and returning it in original to Swedbank.

Notification of account number for pensions (pdf, new window)

You can only receive your pension to an account where you are the account holder or joint account holder.

This is how much tax you pay

We will deduct 30 percent tax on your pension payment from us.

If you live outside Sweden you can apply for Special income tax

If you live outside Sweden you can apply for special income tax via the Swedish Tax Agency (Skatteverket). It is called SINK tax.

Application for special income tax on non-residents (pdf, new window)

If we our the main payer you can change the deduction

If we are the main payer you can request us to raise the deduction, for example to 35 percent instead of 30 percent. Definition of the main payer is the one that pays out the largest amount of money.

  • Login to Mina sidor and fill in the form Ändra skatt. This requires a Swedish electronic identification (Swedish eID or BankID)

    Login to Mina sidor
  • If you don't have a Swedish electronic identification call our Customer Service at 060-18 75 85.

If you want us to deduct less than 30% in tax we must have a decision for changed calculation of tax deduction (jämkningsbeslut).

Payment days

If you were born on days 1–15 of the month, we make the payment on the 18th of the month. If you were born on the day 16-31 of the month, we make the payment on the 19th. If that day is a Saturday, we pay out the money on Friday. If that day is a Sunday, we pay out the money on Monday.