Tax credit
Tax and national insurance contributions
We deduct ‘loonheffing’ from your AOW pension. ‘Loonheffing’ consists of wage tax and national insurance contributions under the Anw survivor benefit scheme and the Wlz long-term care scheme.
Tax credit
You do not have to pay tax and national insurance contributions on all of your income. You can also get tax credits. This means you will pay less in tax and contributions. You can only get the tax credit on 1 of your incomes.
Your AOW pension is your only income
In that case, you should ask us to apply the tax credits to your AOW pension. This means you will pay less in tax and the net pension amount you receive each month will be higher.
You are receiving an AOW pension (state pension) and a supplementary pension.
You must make sure you only use your tax credits for 1 of your incomes. Otherwise you will pay too little in tax, which you may then have to pay later. It is usually best to have the tax credits applied to your highest source of income.
Find out more about tax credits on the websites of the Belastingdienst (Tax and Customs Administration - in English) and the Consumentenbond (Consumers Association - in Dutch).
You are receiving a wage or salary, an AOW pension (state pension) and a supplementary pension.
In this situation, it is usually best to have the tax credits applied to your wages.
Find out more about tax credits on the websites of the Belastingdienst (Tax and Customs Administration - in English) and the Consumentenbond (Consumers Association - in Dutch).
If you want to change the way your tax credits are applied
If you want to change the way your tax credits are applied to your AOW pension, log in to My SVB and tell us what change you want to make.