Traditional company pension plans (bAV) often add little value. We are changing that - with the ginkgo bAV. ETF-based. Commission-free. Fully digital.
In line with EU standards
Based in the heart of Berlin
Permission in accordance with §34d GewO
Nach EU-Standard
Mit Sitz im Herzen von Berlin
Als Versicherungsmakler gemeldet bei der IHK Berlin
Company pensions (bAV) often are not yet a valuable part of compensation for SMEs. Why is that?
Expensive bAV contracts
Lack of transparency and high costs
Push 1:1 sales
Hidden sales commissions
Weak user experience
One letter per year - pension “out of mind”
High admin effort
Complex implementation
For company pensions to become a truly valued part of compensation, modern high-performing financial products are needed - that are fully visible to employees.
Modern financial product
Commission-free and ETF-based - for better returns & higher pensions
Innovative app for employees
For real-time transparency on company pensions at all times
Digital platform for people/HR
For maximum efficiency — unlocking the full bAV potential
Efficient rollout in the company
For maximum impact with minimum effort
The ginkgo bAV is a modern financial product: ETF-based, commission-free and with low running costs. Because bAV also deserves modern financial products.
With the ginkgo app, employees have 24/7 access to their company pension, with full transparency regarding contributions and fees. This keeps bAV always top-of-mind and allows for easy and flexible management, such as adjusting contributions at any time.
On the ginkgo platform for people/HR, all events relating to bAV are automatically recorded and processed digitally. Integration with HRIS & Payroll takes <30 minutes. This keeps bAV admin for people/HR to a minimum.
Using an API or ASCII interface, ginkgo can be integrated with over 40 HRIS and payroll systems — for maximum quick set-up.
ginkgo supports or takes over the entire launch process. With suitable materials and launch sessions, tailored to your company — for effective and authentic communication.
Our team of experts is always available to answer technical or subject-related questions about bAV — before and after the launch. This way, ginkgo takes the complexity of bAV completely off your plate.
Together with the company, ginkgo defines the optimal bAV program — with professional expertise, market benchmarks and, if necessary, budgeting support.
ginkgo takes over the complete technical set-up, including seamless integration with existing HR and payroll systems.
ginkgo takes care of planning and provides communication materials and formats to optimally prepare employees & HR teams for launch.
The new bAV goes live. ginkgo delivers the launch presentation, hosts Q&A sessions, and drives employee activation. For a successful start.
