Company pensions are often a black box — complex, opaque, and out of sight once the contract is signed. The ginkgo app changes that. With intuitive onboarding in under five minutes, full transparency on contract performance, and a comprehensive knowledge data base, company pensions finally become easy to understand, transparent, and top of mind.




With ginkgo, we offer a modern company pension: fully digital, quickly implemented, with minimal admin effort. And the ginkgo bAV is very well received - just two months post rollout, our bAV adoption had tripled.
After various discussions, we’ve identified ginkgo as a truly great partner for the new bAV at share. We’re really excited about the concept behind their solution, the functionality of the app and platform, and the idea of a modern company pension plan overall.
As part of the ginkgo bAV launch in the company, ginkgo also supports the implementation of existing bAV contracts on the ginkgo platform. This allows all documents and activities related to bAV to be consolidated on a single platform. In coordination with the company, ginkgo also supports the transition from existing bAV contracts to the ginkgo bAV, as well as the transfer of bAV capital for new employees.
No, the ginkgo bAV is commission-free. There are no hidden commissions or high brokerage fees.
Implementing ginkgo bAV in a company is quick and easy. Employers can set up the ginkgo platform in less than 30 minutes — the platform integrates seamlessly with existing HR systems. Administration is digital and automated — with minimal admin effort.
You can simply take your pension with you if your new employer agrees — and continue saving as usual. Alternatively, you can exempt your bAV from contributions, continue it privately or transfer the accumulated capital into a new company pension plan.