Minimal HR effort

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).

Digitales Dashboard der ginkgo HR-Plattform zur automatisierten Verwaltung der betrieblichen Altersvorsorge
Case StuDy
Case StuDy
Case StuDy
Screenshot der ginkgo HR-Plattform: Automatisches Onboarding und Zuweisen von bAV-Gruppen für neue Teammitglieder
automation

Full automation
of all bAV events

For minimal HR effort, all events relating to ginkgo bAV are automatically captured and processed digitally, including

  • New hires & enrolments

  • Position & contribution changes

  • Absences (e.g. parental leave, sabbatical)

  • Change of company, and much more

The level of automation can be freely configured by people/HR teams — for full control with minimal effort.

management of Existing Contracts

Digital management of existing bAV contracts

The ginkgo platform also digitally maps existing company pension schemes, consolidating all pension-related documents and activities in one central place. Existing schemes are additionally integrated into automated pre-payroll processing — reducing email and paperwork chaos and enabling clear, centralised management of all company pension schemes on a single platform.

Experience the ginkgo app & platform

Discover the modern bAV with ETFs

Visualisierung der bAV-Verfallbarkeit (Vesting) und des gesicherten Kapitalanteils für Mitarbeitende in der App
BAV Vesting

Strengthen employee retention with pension vesting

The ginkgo platform visualises the statutory vesting rules for employer-funded company pensions under German pension law. This enables a vesting logic comparable to employee equity programs (VSOP/ESOP) — helping companies increase employee retention through employer-funded pensions. A win-win.

Subsidies under § 100 EStG

State subsidies for low-income earners

With the ginkgo platform, government pension subsidies can be used automatically - for so-called low-income earners (up to ~31T € taxable income per year) and also for part-time employees. This ensures that government support reaches those who need it most.

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FIND answers to frequently asked questions

FAQ

How does ginkgo handle existing bAV contracts?

Are there sales commissions in the ginkgo bAV?

How complex is it to implement ginkgo in a company?

What happens to my ginkgo bAV if I change my employer?