Managing a company pension scheme takes up valuable HR time — from new hires and salary changes to employee exits. The ginkgo HR platform automates the entire pension lifecycle, reducing administrative effort to a minimum. In addition, the platform enables employers to fully leverage government subsidies for low-income earners under § 100 of the German Income Tax Act (EStG).


Using an API or ASCII interface, ginkgo can be integrated with over 40 HRIS and payroll systems — for maximum quick set-up.
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.
ginkgo efficiently guided us through the complexities of bAV, from financing benchmarks to set-up and communication. And the acceptance among our employees is very good — they make significant contributions of their own.
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.