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DYNO

DYNO

DynoDyno — Company Pension Plans with ETFs & No Commissions

DYNO is an insurtech/SaaS platform for modern corporate pension plans in Germany. Companies and employees receive a commission-free, transparent, and digital corporate pension solution featuring government-subsidized ETF investments, a choice of over 20 insurers, and full access to contributions, projections, and documents.

Compensation & Benefitssaas
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Use Case

DYNO digitizes and automates corporate pension plans (bAV) and supplemental benefits such as bKV for companies in Germany. Its commission-free, ETF-based bAV plans address high distribution costs, opaque returns, manual administration, and legal and communication risks in HR.

Automated processes reduce administrative work, including calls, letters, and follow-ups with insurers. Employees gain transparency, flexibility, and digital self-service options. For employers, the intended benefits are stronger employer branding and predictable costs; for employees, higher net pensions.

The “bAV Explained (Employer)” page is a practical guide for employers, HR managers, and business owners in Germany. It covers:

  • Benefits of bAV, including employee retention and tax incentives
  • Employer obligations, risks, and legally compliant documentation and disclosure
  • Implementation options, including direct insurance and support funds
  • Plan structures and cost models
  • How to establish a modern, cost-efficient plan or evaluate and migrate existing contracts

Target Audience

The solution is for companies in Germany that want to offer modern, digital, commission-free occupational pension plans. It suits businesses from SMEs to large enterprises across industries, including tech, manufacturing, and services.

It is relevant for HR and people teams, CFOs, and managing directors, as well as partners who want to efficiently offer or manage occupational pension plans for their clients:

  • Tax advisors
  • Payroll and benefits providers
  • Modern brokers

Data Residency

de

Target Segments

SMBEnterprise

Source URLs

  • https://heydyno.de/unternehmen
  • https://heydyno.de/en/?utm_source=openai
  • https://heydyno.de/preise-arbeitnehmer?utm_source=openai
  • https://heydyno.de/en/partner?utm_source=openai

investment_universe

70–100+ ETFs to choose from; ETF-based retirement planning with no commission deductions

robo_advisor_analysis

Robo-advisor-based analysis and the DYNO Score as an indicator of quality

employee_experience

Transparent dashboards with real-time insights into retirement accounts, contributions, projections, and ETF performance

employer_branding

Comprehensive communications package for the internal promotion of the occupational pension plan

Scale references

500+ companies and 15,000+ employees (according to the provider)

business model

SaaS license fee for employers instead of commissions; predictable monthly costs

value_claim

Up to €150,000 more in retirement benefits over the long term due to the elimination of commissions (according to the provider)