Retired citizens who want to check their accumulated pension payments or find out how much has accumulated must sign in to the e-Government (e-Devlet) system. Through e-Government you can quickly view your accumulated pension amounts.
How to Find Accumulated Pension Payments?
When a person reaches retirement age and decides to retire, they must submit a retirement application. This application formally notifies the authorities of the individual’s retirement. Filing the retirement application is the first step to receiving pension payments.
Detailed information about pension payments is available through the e-Government system. To access it, sign in at https://www.turkiye.gov.tr. After logging in, use the search box and enter “Emekli Aylık Bilgisi” (Pension Monthly Information) to run the query.
Click the result, verify your identity, and you will access your e-Government account. Results for 4A, 4B and 4C Pension Monthly Information will appear. Select the institution from which you retired to view details about any accumulated pension payments you have not yet received. You can also use this service to check updates on future payments.
How to Query Accumulated Pension Payments?
People who applied for retirement often want to know from which date their pension will be paid. To be eligible for retirement, a person must meet age requirements, complete the necessary insured days and have paid required premiums.
Under Article 4/a of Law No. 5510, applicants are generally granted a pension effective from the beginning of the month following the application date. The timing and completion of procedures vary according to the Social Security Institution branch and the insurance types involved. Processing times can differ depending on workload and the location of the institution.
If multiple insurance services are involved, the consolidation process may take longer and delay the official retirement start date. Retirees use e-Government to learn about accumulated pension amounts and payment dates. On e-Government you can search for “SGK Birikmiş Maaş Sorgulama” or “Bağ-Kur Birikmiş Maaş Sorgulama” to view accumulated pension information. This information is available only through the e-Government portal.
How to Calculate Accumulated Pension Payments?
There is no single universal pension amount; pensions vary by individual and by the employer or institution. Therefore, saying a fixed amount will be paid is not possible. Retirees can calculate their accumulated pension to get a precise estimate. First, log in to e-Government and run the “Emekli Aylık Bilgisi” query to view your monthly pension details.
Using those results, a common method to calculate accumulated pension is:
- Divide your confirmed monthly pension amount by 30. This yields the daily pension rate since monthly payments are treated as 30 days.
- Calculate the number of days between your retirement application date and the day of the month you normally receive your pension. For example, someone who applied on April 10 and receives their pension on the 15th has a 5-day difference for that month.
- Add the full months and extra days to determine the total number of days owed. Multiply your daily net pension by that total to find the accumulated amount.
For civil servants who retire, pension payment days are usually at the beginning of each month. For those affiliated with SGK and Bağ-Kur, exact payment dates vary and should be checked individually.
e-Government Accumulated Pension Query
To query pension information on e-Government, follow these steps:
- If you have never logged in before or you lost your password, obtain a password from PTT.
- The password is delivered to you securely at the counter.
- From any computer, smartphone or tablet, go to https://www.turkiye.gov.tr/.
- Log in with your identity number and password.
- Use the search box at the top of the page.
- Type “emekli aylık bilgisi” to access the relevant service.
This process applies to standard monthly pension payments. Accumulated pension amounts cannot be queried directly through e-Government in all cases; specific details may require checking the pension monthly information pages.
When Does Pension Accumulate?
Accumulated pension is determined by the time between the retirement application date and the first payment date. A pension is typically assigned starting from the first day of the month following the application. The actual payment date within a month is important for calculating accumulated amounts.
For example, if an applicant files on March 10 and normally receives payments on the 20th, they will not receive a pension for March itself. Since pension entitlement starts on April 1, their first payment will arrive on April 20, and the unpaid days in March will be paid on that date as accumulated pension.
How Much Is Accumulated Pension?
The accumulated pension amount varies by person. To calculate a precise amount, follow these steps:
Access your monthly pension information on e-Government.
- Divide the net monthly pension shown by 30 to obtain the daily pension amount.
- Calculate the number of days between your application date and the payment day you receive each month.
- Determine the total days owed for the first payment (for example, one month plus extra days), then multiply the daily pension by that total to find the accumulated amount.
On Which Days Are Pensions Paid?
Pension payment days vary by employment category. Civil servants typically receive pensions at the beginning of each month. For those under SSK or Bağ-Kur, payment dates differ and should be checked in detail.
SSK Pension Payment Days
SSK pension payment days are determined by the last digit of the allocation number as follows:
- 9 — 17th of the month
- 7 — 18th
- 5 — 19th
- 3 — 20th
- 1 — 21st
- 8 — 22nd
- 6 — 23rd
- 4 — 24th
- 2 — 25th
- 0 — 26th
Those affiliated with SGK can also inquire about accumulated pension payments by visiting local SGK branches.
Bağ-Kur Pension Payment Days
Bağ-Kur pension payments are scheduled according to the last digit of the registration number:
- 9, 7 or 5 — 25th of the month
- 3 or 1 — 26th
- 4 — 27th
- 2 or 0 — 28th
Which Bank Receives the Pension?
The bank that receives the pension is chosen by the applicant. During the retirement application, applicants specify the bank account where payments should be made. This can be any bank operating in Turkey. If no bank is specified, the system defaults to Ziraat Bank and payments are deposited into an account created there. After payments begin, you can request a bank change via e-Government.
Can Pensions Be Withdrawn from ATMs?
Pension funds can be withdrawn both at bank branches and ATMs. Many retirees prefer ATMs for convenience. Note that the first pension payment is usually collected at a bank branch teller; subsequent payments can be withdrawn from ATMs.
What Deductions Are Taken from Pension?
Pension deductions may include:
- Debts owed to the state
- Alimony payments
- Medical examination fees
- Prescription and medication contribution fees
In addition, Social Security Support Contributions may be deducted from pensions of those who continue working while retired. You can review deductions through e-Government.
How Is the Pension Update Coefficient Determined?
The pension update coefficient is derived from Turkish Statistical Institute (TÜİK) data. At the end of each year TÜİK determines the annual change rate in the consumer price index and the gross domestic product growth rate. The update coefficient is calculated by adding the full CPI change rate to 30% of the GDP growth rate.
Who Can Receive Accumulated Payments from SGK?
Those eligible to receive accumulated payments from SGK include:
- Members under 4A and 4B
- Individuals who have met retirement service time and age requirements
- Those who reached retirement age but have missing premium days
Eligible individuals can claim accumulated payments from SGK. Retirement age and service time vary by person; generally, it is around 25 years of work for men and 20 years for women, though individual circumstances differ.
How Are Lump-Sum Premium Payments Reclaimed?
Lump-sum premium refunds are typically available to those who have not yet qualified for retirement. Key points include:
- For 4A, the year 2008 is significant. Those who began working before 2008 may reclaim premiums paid after that year. For 4B members the year does not affect entitlement in the same way.
- Premiums paid for military service credit, maternity credits, and foreign service credits may be refundable.
Applications are made with a petition and a copy of identity documents. This procedure is a separate process from querying accumulated pension payments; they are not the same and applicants should be advised accordingly.