€100 of payroll cost becomes €115 of provision.
Contributions flow into the pension before tax and levies, plus at least 15% employer top-up. We set up everything.
Free of tax and contributions up to €338 per month (2026)
30 minutes · no obligation · pension scheme rules included
The 100-euro question
Example€100 pay rise
~€50
net for the employee
Tax and contributions take the rest.
€100 into the bAV
+15% top-up€115
provision per month
Full contribution plus employer top-up.
Worked example, depending on salary and tariff. Free of tax and social contributions up to €338/month (2026).
Pension scheme rules included: often €2,000 to €3,000 at a lawyer.
Every bAV needs legally sound pension scheme rules as its basis. With us they are included, at no extra cost.
Uniform rules for your whole team
Legally sound and neatly documented
The basis for contracts and the 15% top-up
One contribution, two winners.
You as the employer
Save social contributions on converted premiums.
Retain employees with a benefit that lasts.
Hand administration and communication to us.
Your employees
Around €50 net becomes €115 of provision per month.
A supplementary pension next to the statutory one (level ≈ 48%).
Transferable when changing jobs, nothing is lost.
Three steps to a finished bAV.
Choose the model
Direct insurance or other routes, fitting your company.
Contracts & top-up
We implement the 15% top-up cleanly and document everything.
Inform the team
We explain the bAV to your employees, clearly and without pressure.
Frequently asked questions about bAV
Does the employer have to contribute?
With salary conversion a 15% contribution is mandatory, we structure it sensibly for you.
What happens when changing jobs?
The bAV is transferable or can be continued contribution-free, your team loses nothing.
How high is the subsidy?
In 2026, premiums up to 338 €/month are free of tax and social contributions (4 % of the contribution ceiling), and up to 676 €/month additionally tax-free. We use the full allowance.
Why 360 for companies?
We connect company advice, financing and provisions, from bAV to liquidity, without making you jump between contacts.
Set up bAV for your company
Free initial consultation, we show your savings potential. The 15% top-up has applied since 2022, every month without bAV gives it away.