Third pillar contributions info

Unlike the second pillar, contributions to the third pillar are not made automatically. After choosing the third pillar fund（https://tuleva.ee/en/iii-pillar-instructions/）, you will need to transfer money to your pension account to purchase fund units. You can contribute either through one-time payments or by setting up a standing order.

Make a contribution（https://pension.tuleva.ee/3rd-pillar-flow/）

Fund units appear on your pension account by the end of the next working day. If you transferred money over the weekend, you will see new units on your pension account by Tuesday evening.

If you want to make a one time contribution to someone else’s Tuleva III pillar fund, use these payment details in your internet bank:

Payee: AS Pensionikeskus

Account number ( choose one ):

Luminor Bank : EE961700017004379157

SEB : EE141010220263146225

LHV: EE547700771002908125

Reference ( Viitenumber ): Pension account number (you can find the number here（https://www.pensionikeskus.ee/en/accounting/iii-pillar/subscription-query-iii-pillar/）)

Payment details ( Makse selgitus ): 30101119828, EE3600001707

Frequently asked questions

How are payments made into the third pillar?

As contributions to the third pillar are not automatically deducted from your wages or social tax as in the second pillar, you make these contributions yourself, and they will be credited to the fund as soon as you have made the payment (or set up a standing order). To make a contribution log in here（https://pension.tuleva.ee/login）.

Can I make contributions to a family member’s third pillar?

Yes, you can. You can find instructions here（https://tuleva.ee/en/iii-pillar-contributions-info/）.

But keep in mind that income tax is calculated for the pension account holder.

Where I can find my III pillar recurring payment?

You can find your recurring payment in your internet bank.

In Swedbank you can see recurring payment by selecting Pension -> III pillar -> Selecting a Fund -> Actions -> Pension III pillar regular payments.

In SEB you can find recurring payment by clicking here.（https://e.seb.ee/web/ipank.p?act=PYSIMK）

By selecting Transactions -> Standing payment orders. In the list, you will find a standing order with AS Pensionikeskus as the beneficiary.

In LHV internet bank, you can find recurring payment by clicking here（https://www.lhv.ee/portfolio/payment_standing.cfm）.

You can find the recurring payment made by selecting Everyday Banking -> Standing Orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee.

In Luminor bank y（https://luminor.ee/auth/#/web/view/autopilot/） ou can find the recurring payment by clicking here.

You can find recurring payment made in your Luminor bank by selecting Autopilot -> Standing orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee.

How can I change the date/amount of my recurring payment?

To change the terms of recurring payment, go to your internet bank, where payments are made and you can make the changes you want.

In Swedbank you can see recurring payment by selecting Pension -> III pillar -> Selecting a Fund -> Actions -> Pension III pillar regular payments. You can see the name of the fund, where regular payments are directed and by clicking on this the recurring payment opens. Terms of this recurring payments can’t be made, but you can cancel the contract and start a new one.

In SEB you can find recurring payment by clicking here.（https://e.seb.ee/web/ipank.p?act=PYSIMK）

By selecting Transactions -> Standing payment orders. In the list, you will find a standing order with AS Pensionikeskus as the beneficiary. You can change the data on the given standing order or, if you wish, delete the order.

In LHV internet bank, you can find recurring payment by clicking here（https://www.lhv.ee/portfolio/payment_standing.cfm）.

You can find the recurring payment made by selecting Everyday Banking -> Standing Orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee. You can change the terms of the standing order or, if you wish, cancel the standing order.

In Luminor bank y（https://luminor.ee/auth/#/web/view/autopilot/） ou can find the recurring payment by clicking here.

You can find recurring payment made in your Luminor bank by selecting Autopilot -> Standing orders from the menu. In the list, you will find a standing order with AS Pensionikeskus as the payee. There you can change the data or finish the standing order.

What are the restrictions for withdrawals? When and how can I use the funds?

You can withdraw your funds from the 3rd pillar whenever you like. The withdrawals are taxed as follows:

before you turn 60 years old: 20%

after your turn 60 years old: 10%

when you are over 60 and draw money down as pension payments: 0%

More detailed info.（https://www.pensionikeskus.ee/en/iii-pillar/payments/taxation-of-payments/）

How can I make a payment if I also collect in another III pillar fund?

You can make a contribution in Tuleva III Pillar Pension Fund if you log in our web here.（https://pension.tuleva.ee/login）

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