Norsk Pensjon

What Norsk Pensjon does

Norsk Pensjon AS is a Norwegian non-commercial technology entity founded in 2006 and headquartered in Oslo. It operates a web-based pension portal that aggregates pension rights, contribution histories and projected entitlements from more than 80 Norwegian pension providers together with data from NAV (the Norwegian Labour and Welfare Administration). The platform is built on bilateral integrations with each provider and is accessible to any Norwegian resident holding a Norwegian birth number, making it a national-level aggregation utility rather than a commercial product.

The company's core product surface has expanded beyond passive viewing to include the Own Pension Account (Egen Pensjonskonto) consolidation service, manual pension request handling, and dedicated support for survivors and bereaved persons. A separate Avkastningsportalen addresses investment-return disclosure. The entity is backed by 6 (originally 7) Norwegian life-insurance companies and operates with a small team of 1–10 employees. Cross-stakeholder initiatives, including educational films produced with NAV, SPK and Finans Norge, indicate coordinated public-private pension-literacy efforts.

The business model is non-commercial in structure: end users access the portal free of charge, and operating costs are covered by the insurance shareholders rather than through fees, subscriptions, or transaction revenue. Go-to-market is product-led, relying on portal self-service, public-sector endorsement, and awareness campaigns rather than a sales motion. No revenue, ARR, or profitability figures are disclosed.

Name

Norsk Pensjon

Legal name

Norsk Pensjon AS

Website

https://norskpensjon.no

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

Norsk Pensjon AS is a Norwegian non-commercial pension portal founded in 2006 that aggregates pension data from 80+ providers and NAV for all Norwegian residents with a birth number, funded by six life-insurance shareholders.

Ownership category

akta.pro rank

Product category

Pension Information and Aggregation Services

NAICS

Pension Funds (525110)

SIC

Life Insurance (6311)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

akta.pro secondary industry

Tax-Aware Retirement & Estate Coordination (FSAEABAJ)

Keywords

• Pension aggregation portal
• Retirement benefit overview
• Occupational pension consolidation
• Pension information services
• National pension infrastructure

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Portal Operations (Non-Commercial): Norsk Pensjon is explicitly described as a non-commercial entity owned by life insurance companies. The portal is free for end users. Revenue model is not publicly disclosed but the company appears to be funded by its owners (six life insurance companies) to provide a shared infrastructure service for the Norwegian pension ecosystem.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Norsk Pensjon operates a non-commercial, free-of-charge web portal that consolidates Norwegian residents' pension entitlements from folketrygden (national insurance via NAV), occupational pensions (private and public), AFP, individual pension agreements, and life/disability insurance into a single overview. Users authenticate via ID-porten to view aggregated pension data, run retirement projections, and manage choices such as Egen Pensjonskonto consolidation, while bereaved family members can request deceased estate overviews.

Product overview

Norsk Pensjon operates the Pensjonsportalen (Pension Portal), a unified web-based platform that aggregates and consolidates pension information from multiple sources — NAV (folketrygden/national insurance), private and public occupational pension schemes, individual pension arrangements (fripolise, pensjonskapitalbevis, IPS, etc.), AFP, and life/disability insurance — into a single consolidated overview for each individual. The portal is complemented by a dedicated service for Egen pensjonskonto (Own Pension Account) that allows private-sector employees to manage consolidation and provider selection for their pension savings. Additional services include a manual request service for those unable to log in, a survivor/bereaved service, and educational video content via MinPensjon. The platform is non-commercial and jointly owned by seven life insurance companies, serving as Norway's national pension aggregation infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Pensjonsportalen (Pension Portal) A web-based pension portal that aggregates and consolidates pension agreements from NAV (folketrygden), occupational pension schemes, AFP, individual pension arrangements, and life/disability insurance into a single overview with retirement forecasting for Norwegian residents with a birth number.
• Egen pensjonskonto (Own Pension Account) service A service enabling employees with contribution-based occupational pensions to consolidate pension capital from current and previous employers into a single account with the current employer's pension provider, with the option to reserve against automatic transfer or select a preferred provider.
• Manuell tjeneste (Manual request service) A manual request service for individuals unable to log in to the portal, providing an overview of their pension agreements and insurance policies via a paper-based request process.
• Tjeneste for etterlatte (Bereaved/Survivor service) A service for surviving relatives, dependents, or estate administrators to obtain an overview of a deceased person's life insurance and pension agreements via a dedicated request process.
• Manuell tjeneste for egen pensjonskonto (Manual Own Pension Account service) A manual service for individuals unable to log in to the Own Pension Account service, allowing them to submit a paper-based reservation form to make reservation choices for their own pension account.
• Pensjonsleverandører-database (Pension providers directory) A directory listing all pension providers connected to the Norsk Pensjon portal, indicating which providers support age pension, disability pension, and survivor/life insurance data delivery.
• MinPensjon (Educational pension films) Educational video content produced in collaboration with NAV, Statens Pensjonskasse, Finans Norge, Forbrukerrådet and other stakeholders, designed to help individuals understand and plan for their retirement.

Quantifiable outcome

• Real-time consolidated pension overview from multiple providers
• +2 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• NAV (Norsk Organisasjon for Arbeidsliv og Velferd)coreStrategic or Co-development PartnerNAV provides pension data to the portal for displaying projected national insurance (folketrygd) pensions. Norsk Pensjon sends user birth numbers and projected salary data to NAV for calculation of future folketrygd benefits, which are then displayed in the user's consolidated pension overview.
• Statens Pensjonskasse (SPK)coreStrategic or Co-development PartnerProject partner in the pension awareness film initiative. Provides public sector pension information and collaborates on educational content about retirement planning.
• Finans NorgecoreStrategic or Co-development PartnerProject partner in pension education films. The Norwegian Financial Industry Association supports the collaborative pension awareness initiative.
• Forbrukerrådet (The Norwegian Consumer Council)coreStrategic or Co-development PartnerProject partner in the pension awareness film initiative, representing consumer interests in pension education.
• AksjeNorgeminorStrategic or Co-development PartnerProject partner in pension education films, contributing to public awareness about savings and retirement planning.
• Senter for seniorpolitikkminorStrategic or Co-development PartnerProject partner in pension education films, focusing on senior employment and retirement policy topics.
• FinansportalenminorStrategic or Co-development PartnerProject partner in pension education films, contributing financial information resources to the initiative.
• 80+ Connected Pension ProviderscoreTechnology or IntegrationThe portal aggregates data from over 80 pension providers including corporate pension funds, municipal pension schemes, insurance companies, and government pension schemes. These providers deliver pension data to the portal for inclusion in users' consolidated overviews.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Min Pension (Sweden): Swedish pension aggregation portal jointly owned by insurance and pension providers, providing a consolidated overview of public and occupational pensions for Swedish residents. Functionally the closest Nordic equivalent to Norsk Pensjon.
• PensionsInfo (Denmark): Danish public-sector pension information portal operated by ATP, aggregating pension data across Danish providers for citizens. Directly comparable in mission and functionality to Norsk Pensjon's portal.

Regional players

• Pension Danmark: Major Danish labor-market pension fund providing occupational pensions with online pension overview tools. Comparable as a regional Nordic pension provider with digital consolidation capabilities.
• Keva: Finnish local-government and public-sector pension provider with online pension estimation and projection tools. Comparable as a Nordic pension provider with consumer-facing retirement projection features.

Broad incumbents

• Pensionsmyndigheten (Swedish Pension Agency): Swedish government agency administering the national public pension system and providing citizens with pension projections and information. Comparable as a national public-sector pension infrastructure provider.

Others

• Pensioenfederatie (Dutch Pensions Federation): Dutch umbrella organization for pension providers, comparable to Pensjonskasseforeningen (Norsk Pensjon shareholder) in its role as an industry-coordinating body that supports pension transparency and aggregation initiatives.
• Franke (Netherlands): Dutch consumer-facing financial comparison and pension insight platform. Comparable as an independent consumer pension information service though operating in a different national market.

Emerging players

• Pillar (United Kingdom): UK-based pension dashboard and consolidation service for employees to track workplace pensions across providers. Comparable in product category as a multi-provider pension visibility tool, though in a different market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Norsk Pensjon