Sociale Verzekeringsbank

What Sociale Verzekeringsbank does

Sociale Verzekeringsbank (SVB) is the Dutch statutory administrator (Zelfstandig Bestuursorgaan, or ZBO) of national social insurance schemes, founded in 1901 and headquartered in Amstelveen. It is the sole legal executor of the four volksverzekeringen — AOW (state old-age pension), Anw (survivor and orphan benefits), kinderbijslag (child benefit), and Wlz (long-term care insurance) — plus personal budgets (PGB), AIO supplements for elderly with limited income, voluntary insurance, occupational-disease compensation (TAS/TNS, TSB), remigration benefits, and war-victim schemes. The organisation also coordinates cross-border social security under EU regulations 883/2004 and 987/2009, operating dedicated BBZ and BDZ offices for Belgium and Germany and serving Dutch nationals in Curaçao, Aruba, and Sint Maarten.

SVB runs a platform-plus-portal technology stack: citizen-facing Mijn SVB and Mijn PGB portals (DigiD-authenticated), the TWinternet employer portal (eHerkenning-authenticated), and the Berichtenbox integration with MijnOverheid. The core technology layer consists of algorithmic decision-support systems that translate statutory rules into automated eligibility, calculation, and sanction decisions for AOW, AKW, AIO, Anw, and remigration benefits, plus a risk-based investigation algorithm for compliance selection. Data exchange is conducted through Suwinet and direct integrations with Belastingdienst, CAK, UWV, CIZ, DUO, IND, CBS, CJIB, and the Stichting Pensioenregister. The organisation is certified to ISO 27001 and BIO frameworks and operates under AVG/GDPR with a dedicated Data Protection Officer.

SVB is a non-commercial government entity; it has no pricing, no commercial revenue model, and no private equity, venture, or public ownership. It is fully state-owned under the Dutch Ministry of Social Affairs and Employment (SZW) (with VWS oversight for certain schemes) and is funded through the Dutch government budget and statutory social-insurance contributions. Services are distributed free at point of use via digital self-service, telephone contact centers, regional physical offices, and postal mail, with multilingual coverage (Dutch, English, German, French, Spanish, Turkish, Polish). End-user segments include all Dutch elderly, all parents/guardians, long-term care recipients, cross-border workers, employers with international employees, self-employed/DGAs working abroad, and specific vulnerable groups (war victims, remigrants, occupational-disease victims, conscientious objectors).

Name

Sociale Verzekeringsbank

Legal name

Sociale Verzekeringsbank

Website

https://svb.nl

Company type

Private

Founded year

1901

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Sociale Verzekeringsbank (SVB) is the Dutch government institution that administers the Netherlands' statutory national social insurance schemes — including the AOW state pension, child benefit, survivor benefits, and long-term care insurance — for all Dutch residents and cross-border nationals under EU and bilateral treaty coordination.

Ownership category

akta.pro rank

Product category

Statutory Social Insurance Administration

NAICS

Insurance and Employee Benefit Funds (5251), Pension Funds (525110), Health and Welfare Funds (52512)

SIC

Services-Social Services (8300)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industries

Family & Child Benefits Administration (Child Allowance, Parental Leave) (BPAIAKAD), Social Care & Long-Term Care Benefits Administration (BPAIAKAK), Eligibility, Enrollment & Benefits Administration (HLAEALAH)

Keywords

• Statutory social insurance
• National pension administration
• Child benefit scheme
• Long-term care insurance
• Social security coordination

Headquarters

HQ city

Amstelveen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Distribution channels6 records

Marketing channels5 records

Core offering

Sociale Verzekeringsbank (SVB) is the Dutch government institution that administers mandatory national social insurance schemes. It determines eligibility and pays AOW old-age pensions, Anw survivor benefits, kinderbijslag (child benefit), AIO income supplements for the elderly, Persoonsgebonden Budget (PGB) personal budgets, and Wlz long-term care insurance status. It also issues A1/certificates of coverage for international detachments and coordinates social security with EU/EER and treaty countries via dedicated bureaus BBZ (Belgium) and BDZ (Germany).

Product overview

Sociale Verzekeringsbank (SVB) is the Dutch national social security administrator executing government-mandated insurance schemes and benefits. The organization operates a platform-plus-portal model consisting of citizen-facing portals (Mijn SVB and Mijn PGB), specialized services (TWinternet for employers, BBZ/BDZ for cross-border workers), and core benefit schemes including AOW (old-age insurance), Kinderbijslag (child benefit), PGB (personal budget), Wlz (long-term care), and international detachment services. The infrastructure includes algorithmic processing for automated benefit determination, risk-based fraud detection, and comprehensive data exchange with government partners.

Differentiator

Problem solved

Functional benefit

Products and services

• AOW (Algemene Ouderdomswet) - State Old-Age Pension Statutory national old-age pension providing income support to Dutch residents upon reaching retirement age; SVB determines eligibility, calculates benefit amount, and processes payments.
• Kinderbijslag (Child Benefit) Quarterly child allowance payments to parents for children under 18. SVB determines eligibility and distributes payments, with automated processing for second and subsequent children.
• PGB (Persoonsgebonden Budget)
• Wlz (Wet langdurige zorg) - Long-term Care Insurance Long-term care insurance determining eligibility for Dutch health insurance; SVB conducts Wlz research to verify insurance status for citizens.
• AIO (Aanvullende Inkomensvoorziening Ouderen) - Supplementary Income for Elderly Supplementary income provision for Dutch elderly residents whose AOW pension and other income is below the social minimum; algorithm determines payment as benefit or loan.
• Anw (Algemene Nabestaandenwet) - Survivor and Orphan Benefits Survivor and orphan benefits under the Algemene Nabestaandenwet for partners and children of deceased insured persons.
• Internationale Detachering (International Detachment / A1 Certificates) Determines applicable social security legislation for employees working internationally and issues A1 Certificates of Coverage; coordinates with sister agencies in treaty countries.
• Mijn SVB (Citizen Self-Service Portal) Primary digital self-service portal for Dutch citizens to view payments, update personal details, submit change notifications, upload documents, and request data access for AOW, child benefit, and Anw matters.
• Mijn PGB (Personal Budget Portal) Digital portal for Personal Budget (PGB) holders and their representatives to manage budgets, submit declarations, and track payments.
• TWinternet (Employer Portal) Online portal for employers to apply for A1/Certificates of Coverage for international assignments, check employee insurance status, and manage international detachment documentation; accessed via eHerkenning.
• BBZ (Bureau voor Belgische Zaken) and BDZ (Bureau voor Duitse Zaken) Specialized cross-border advisory services for workers and self-employed between the Netherlands and Belgium (BBZ) or Germany (BDZ), including pension overviews, year statements, and information sessions.
• Beroepsziekten (Occupational Disease Compensation) Compensation schemes for occupational disease victims: TAS/TNS Asbestregeling for malignant mesothelioma and asbestosis, and TSB-regeling for other occupational diseases.
• Remigratie-uitkering (Remigration Benefit) Benefit scheme providing support to Dutch nationals who remigrate to their country of origin, subject to statutory conditions.
• Vrijwillige verzekering AOW en Anw (Voluntary Insurance) Voluntary AOW and Anw insurance for individuals not mandatorily insured under Dutch national schemes; algorithm calculates statutory premiums.

Quantifiable outcome

• Publishes annual most popular Dutch baby names (2025: Noor and Noah were most popular)

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability9 records

Feature8 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Belastingdienst (Dutch Tax Authority)coreOthersSVB exchanges AOW, Anw, and benefit payment data with the Belastingdienst for tax withholding, income verification for income-dependent benefits, and tax reporting. Belastingdienst also shares schuldig nalatig (culpable negligence) proposals with SVB and provides information for AIO supplement determinations.
• CAK (Centraal Administratiekantoor)coreOthersSVB exchanges Wlz (Long-term Care Act) insurance status data with CAK for determining health insurance obligations and co-payments. CAK also receives SVB data for uninsurer identification (OVOZ) and sends Wlz institution residence data to SVB for survivor benefit calculations.
• UWV (Uitvoeringsinformatisering Werknemersverzekeringen)coreOthersSVB coordinates with UWV for premium withholding and settlement for certain benefit schemes. UWV receives salary statement data (Loonaangifte) from SVB and UWV handles salary statement processes for various benefit recipients.
• CIZ (Centrum Indicatiestelling Zorg)coreTechnology or IntegrationSVB provides Wlz insurance status data to CIZ for healthcare indication assessments. This exchange ensures that only Wlz-insured individuals receive care indications from CIZ.
• DUO (Dienst Uitvoering Onderwijs)minorOthersSVB exchanges student status data with DUO for child benefit compliance (single-parent supplement verification), AIO/Anw income testing for students aged 21-30, and orphan benefit verification for students aged 18+.
• IND (Immigratie- en Naturalisatiedienst)minorOthersIND shares immigration status data with SVB for remigration benefit assessments and Wlz insurance determinations for status holders.
• CBS (Centraal Bureau voor de Statistiek)minorOthersSVB provides AOW entitlement and demographic data to CBS for statistical purposes, including AOW accrual data for persons aged 15-66 and international benefits data.
• European Sister Organizations (EU/EER Social Security Institutions)coreStrategic or Co-development PartnerSVB exchanges AOW/Anw payment data, proof-of-life data, and insurance career data with sister social security institutions across EU/EER countries, Switzerland, and treaty countries (Australia, Canada, USA, Japan, etc.) to prevent fraudulent payments and coordinate cross-border benefits.
• Rijksoverheid (Dutch Government)coreOthersSVB operates as a Zelfstandig Bestuursorgaan (ZBO) under the Dutch government. It collaborates with Rijksoverheid on procurement (Aanbestedingswet 2012), uses Rijksinkoop platforms (Inkoop Uitvoeringscombinaties, ZBO Inkoop Netwerk), and aligns with national digital government services (MijnOverheid, DigiD, eHerkenning, Berichtenbox).
• CJIB (Centraal Justitieel Incassobureau)minorOthersCJIB handles fugitive and detention data sharing with SVB, ensuring suspension of AOW/Anw payments during detention and equal treatment of fugitives.
• Grensinfo.nlminorStrategic or Co-development PartnerSVB collaborates with grensinfo.nl, the official cross-border information portal for people living, working, or studying across the Dutch border, providing coordinated information about cross-border social insurance.
• BRP (Basisregistratie Personen)coreTechnology or IntegrationSVB accesses the national person registry (BRP) via Suwinet for verifying residency, family relationships, and life events (birth, death, marriage, relocation) that affect social insurance eligibility and benefit amounts.
• Nationale OmbudsmanminorOthersSVB refers unresolved complaints to the Nationale Ombudsman, an independent body that handles complaints about Dutch government organizations including SVB.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/SVBonline
• Facebookfacebook.com/socialeverzekeringsbank
• LinkedInlinkedin.com/company/sociale-verzekeringsbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 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 Sociale Verzekeringsbank