ginkgo bAV
ginkgo — Modern occupational retirement plans – Minimal effort. Higher pension.
ginkgo offers a modern, ETF-based, commission-free corporate pension plan (bAV) featuring an app for employees and a digital platform for HR. The solution integrates with common HRIS and payroll systems in under 30 minutes, automates administration and communication, and supports companies with the launch, including materials and training sessions. GDPR-compliant, meets EU standards, “Made in Germany,” and registered as an insurance broker with the Berlin Chamber of Commerce and Industry (IHK Berlin).
Security & Compliance
Security and privacy are top priorities.
Security Features
Certifications
- ISO 27001
- SOC 2
Data & Hosting
Data residency
European Union
Hosting
Explicitly stated: GDPR-compliant, “in accordance with EU standards,” Made in Germany.
Feature Scope
The platform combines ETF-based occupational pension plans with software for digital retirement planning. Employees can track how their savings develop in an app, while HR can administer pension plans as part of total compensation.
The platform consolidates existing contracts, documents and activities. It digitally processes pension events such as new enrollments, contribution changes, absences and job changes, with an adjustable level of automation. An HR console provides status tracking and portfolio management.
The employee app offers onboarding in under five minutes, visibility into contributions, costs and performance, and a knowledge base. Employees can adjust or pause contributions, make lump-sum payments and switch ETFs annually. The platform also shows pension vesting under the German Occupational Pensions Act and automates the use of subsidies under Section 100 EStG for eligible low-income earners, including part-time employees.
- Connections to more than 40 HRIS and payroll systems via API or ASCII interface; technical setup is stated to take under 30 minutes
- Commission-free financial product with an annual asset management fee of 0.6%, a monthly contract fee of €1 rising to €3 from year three, and ETF costs starting at approximately 0.12% annually; effective costs are generally below 0.9% annually
- A selection of approximately 200 ETFs and funds, with contribution changes or pauses available without additional costs
- Launch support covering program design, technical setup, communication materials, presentations, Q&A sessions and expert assistance before and after go-live; existing contracts can be migrated, including reserve capital
- GDPR compliance, stated alignment with EU standards, and insurance partners myLife and IDEAL under BaFin supervision, with protection through the statutory security fund Protektor
- Berlin headquarters, IHK registration and a license under § 34d GewO; listing in the German Digital Pension Overview
- German- and English-language website, with a contact form, appointment scheduling and a support section
Features at a Glance
Benefits
- Benefits enrollment
Mobile
- iOS/Android app
- Responsive UI
Analytics
- Dashboards
Compliance
- GDPR
Core HR
- Workflows
- Document management
- Employee self-service
Data & API
- Data export
- API
Security & IT
- Data residency region
Pricing Model
Flat
Focus on low (or possibly no) upfront commissions and low ongoing costs; employer contributions and employee contributions depend on the product and company.
Implementation
A 30-minute demo is offered.
Support
Web Form · Scheduled Meeting (Calendar Event)
Time zones: - CET/CEST
On the website: contact form and appointment scheduling; a dedicated support section listed in the navigation menu.
Integrations
40+ HRIS (unspecified)
HRISConnection via API or ASCII interface.
40+ Payroll (unspecified)
PayrollConnection via API or ASCII interface.
API-based connections
APIUsed for HRIS/payroll integrations.
ASCII file interface
OtherFile-based integration (ASCII) as an alternative or supplement to the API.
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