ginkGo Pricing

We take company pensions off your plate

ginkgo’s model deliberately works without sales commissions. We believe they have no place in company pensions. Instead, companies pay for using the ginkgo platform and all related services, with no extra cost per contract. For full cost control, no matter how fast your team grows. Employees pay low ongoing fees, which the insurer deducts from the policy balance. Always transparently shown in the ginkgo app.

Pricing for employers

Commission-free company pension
Access to and brokerage of commission-free direct insurance policies. Your employees sign up fully digitally through the ginkgo app.
System integration
ginkgo connects live to your HR and payroll systems. Employee data and contributions sync automatically, with no manual work.
Digital administration
Manage users, groups and contributions directly in the platform. KPI dashboards show the status of your company pension at any time.
Existing contracts
Keep existing company pension policies on the platform too. ginkgo supports switches and balance transfers, backed by legally sound documentation.
Ongoing support
ginkgo provides ongoing support for your People/HR team and your employees through a mix of self-service, educational resources, and personalized one-on-one guidance upon request.

from

€20

Per month

For your entire workforce
‍No extra costs per managed contract

Fee tiered by company size and pension program. Custom pricing on request, including for smaller teams.

Implementation fee

ginkgo supports your bAV (re)launch on the subject-matter, technical and communications side. For these services, ginkgo charges an implementation fee based on company size and the scope of implementation.

Technical Implementation
Integration with your HR and payroll systems, plus full onboarding to the ginkgo platform.‍
Launch & Change Management
Preparation for your bAV (re)launch—from the launch presentation to ready-to-use communication templates for your employees.
Employer Branding
Helping you showcase your company pension (bAv) as a visible and attractive part of your compensation package, internally and externally. ginkgo runs the kick-off event in German or English, tailored to your workforce.

Fees for employees

ginkgo’s goal is retirement savings with strong returns, without high, intransparent costs. For employees, that means: no upfront commissions, full cost transparency and low ongoing fees.

Ansparphase

€0
Upfront commissions
0 %
Beitragskosten
€1
Monthly contract fee: €1 in years 1 & 2, €3 from year 3
0.6%
Annual fee on contract balance
from 0.07%
ETF costs – choose from 200+ globally diversified ETFs & funds
0 €
Transaktionskosten, Ausgabeaufschläge
0 €
Kosten für Beitragsänderung, Beitragsfreistellung, Fondswechsel (1x jährlich)
0 %
Zuzahlungskosten

from

0.67%

effective costs

Depending on contribution, contract term and fund selection

These fees are deducted from the contract balance by the insurer. ginkgo receives a share for digital contract management.

Rentenphase

Bei einer Einmalauszahlung entfallen diese Kosten.

0,5 %
Einmalig zu Rentenbeginn auf das vertragsguthaben
1,8 %
auf die monatliche Rentenzahlung

Experience the ginkgo app & platform

Discover the modern bAV with ETFs

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Customer Testimonials

What customers say about us

ginkgo takes bAV off the table for us — with a modern platform for automated processes and digital administration. And with professional support for employees and people teams with all questions about bAV.

Elena Pfaffenrot

Director of HR at KoRo

ginkgo efficiently guided us through the complexities of bAV, from financing benchmarks to set-up and communication. And the acceptance among our employees is very good — they make significant contributions of their own.

Ruth Smith

Senior People Operations Partner at Upvest

FINDE antworten auf häufig gestellte fragen