How does the pension scheme work in Denmark?

Your pension is paid for by yourself, the government and maybe your employer.

In Denmark, you receive state pension from the state of Denmark, but a lot of people choose to deposit money in a pension company.

In some cases, your employer deposits money for your pension. However, that depends on your contact and terms of employment.

State pension

You may be entitled to state pension when you reach the state pension age. If you are a wage earner, your employer will ensure that part of your wage is paid into a pension scheme.


ATP Livslang Pension (ATP lifelong pension) is a pension scheme enforced by law. ATP ensures that you receive extra pension besides your state pension.

ATP is automatically paid to you when you reach the pension age. 

Individual pension

You have the possibility to set up an individual pension scheme. For that you need a private pension company.

There are a lot of those private pension companies in Denmark and Copenhagen, and they are often connected to a bank.

More information

Read more about pension in general at Life in Denmark.

Read more about your pension options at What are my pension options?

Read more about pension at Work in Denmark.