{"id":77610,"date":"2023-09-29T10:10:00","date_gmt":"2023-09-29T08:10:00","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=77610"},"modified":"2026-04-14T15:10:50","modified_gmt":"2026-04-14T13:10:50","slug":"trots-legala-praktiska-flytthinder-sa-hjalper-vi-vara-kunder","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/trots-legala-praktiska-flytthinder-sa-hjalper-vi-vara-kunder\/","title":{"rendered":"Trots legala & praktiska flytthinder: S\u00e5 hj\u00e4lper vi v\u00e5ra kunder"},"content":{"rendered":"\n

I \u00e5ratal har vi p\u00e5 Nordnet drivit fr\u00e5gan om en enklare och effektivare flyttr\u00e4tt f\u00f6r pension. Vi tycker att ingenting \u00e4r mer naturligt \u00e4n att en pensionssparare sj\u00e4lv ska f\u00e5 v\u00e4lja var han eller hon vill ha sitt sparande. Mycket har h\u00e4nt och idag har vi flyttr\u00e4tt p\u00e5 alla pensioner och ett lagstadgat avgiftstak om max 650 kronor. Heja!<\/p>\n\n\n\n

Men, flyttfr\u00e5gan l\u00e4mnar alltj\u00e4mt mycket att \u00f6nska. S\u00e5 sent som f\u00f6rra \u00e5ret fick Finansinspektionen i uppdrag att kartl\u00e4gga legala och praktiska flytthinder och f\u00f6resl\u00e5 \u00e5tg\u00e4rder f\u00f6r att f\u00e5 bukt med dem. Denna kartl\u00e4ggning presenterades f\u00f6rra veckan och tyv\u00e4rr \u00e4r den inte vad vi hoppats p\u00e5. Vi hade v\u00e4ntat oss mer.<\/p>\n\n\n\n

Jag har f\u00e5tt en pratstund med Markus Viborg, som \u00e4r ansvarig f\u00f6r tj\u00e4nstepensions- och flyttaff\u00e4ren h\u00e4r p\u00e5 Nordnet.<\/p>\n\n\n\n

Markus, ber\u00e4tta, vilka sv\u00e5righeter st\u00f6ter du och ditt team p\u00e5 n\u00e4r det kommer till att flytta pension.<\/strong><\/h4>\n\n\n\n

Pension \u00e4r viktigt, men det g\u00e5r inte att sticka under stol med att det \u00e4r komplext. De flesta som bytt arbetsgivare n\u00e5gra g\u00e5nger har pensioner utspridda hos olika banker och f\u00f6rs\u00e4kringsbolag, vilket g\u00f6r det sv\u00e5rt att \u00f6verblicka p\u00e5 egen hand.<\/p>\n\n\n\n

D\u00e4rf\u00f6r k\u00e4nns det s\u00e5 bra att kunna s\u00e4ga att vi numera hj\u00e4lper kunden med det h\u00e4r. I v\u00e5r flyttportal f\u00e5r man enkelt koll p\u00e5 vilka pensioner man har, hj\u00e4lp att ta reda p\u00e5 om de \u00e4r flyttbara samt \u2013 f\u00f6rst\u00e5s \u2013 att genomf\u00f6ra sj\u00e4lva flytten om det \u00e4r vad man vill.<\/p>\n\n\n\n

N\u00e4r man v\u00e4l best\u00e4mt sig f\u00f6r att flytta, hur fungerar det d\u00e5?<\/strong><\/h4>\n\n\n\n

Det \u00e4r h\u00e4r det blir knepigt f\u00f6r m\u00e5nga. Det \u00e4r n\u00e4mligen s\u00e5 att den arbetsgivare som en g\u00e5ng i tiden \u00f6ppnade tj\u00e4nstepensionen m\u00e5ste godk\u00e4nna att den flyttas. Det \u00e4r inte bara konstigt, utifr\u00e5n att arbetsgivaren naturligtvis inte borde ha med saken att g\u00f6ra, det kan ocks\u00e5 vara komplicerat att f\u00e5 in en s\u00e5dan underskrift.<\/p>\n\n\n\n

Ja, hur g\u00e5r det till egentligen?<\/strong><\/h4>\n\n\n\n

Vi hade hoppats p\u00e5, och har ju slagits f\u00f6r, att kravet om f\u00f6re detta arbetsgivares underskrift ska slopas. Nu blev det inte s\u00e5. D\u00e4remot hj\u00e4lper vi p\u00e5 Nordnet alltid till med detta. Det kan finnas flera sk\u00e4l till att det \u00e4r sv\u00e5rt att f\u00e5 tag p\u00e5 en arbetsgivare; firman har kanske g\u00e5tt i konkurs, eller s\u00e5 har man inte l\u00e4ngre en god relation. Oavsett vilket g\u00f6r vi det h\u00e4r jobbet \u00e5t v\u00e5ra kunder; vi skriver brev och ringer tills fr\u00e5gan \u00e4r l\u00f6st.<\/p>\n\n\n\n

Och sedan \u00e4r det bara att flytta?<\/strong><\/h4>\n\n\n\n

Nya f\u00f6rs\u00e4kringar ska \u00f6ppnas, gamla avslutas och pengar f\u00f6ras \u00f6ver. Det \u00e4r m\u00e5nga steg och det tar tid. Min f\u00f6rhoppning \u00e4r dock att v\u00e5ra kunder ser s\u00e5 lite som m\u00f6jligt av detta. Vi g\u00f6r hela tiden v\u00e5rt yttersta f\u00f6r att kundens upplevelse ska vara bra, d\u00e4rf\u00f6r sk\u00f6ter vi all kontakt med gamla arbetsgivare och avl\u00e4mnande f\u00f6rs\u00e4kringsbolag.<\/p>\n\n\n\n

N\u00e4r jag h\u00f6r om alla hinder kan jag inte l\u00e5ta bli att undra; varf\u00f6r ska det beh\u00f6va vara s\u00e5 sv\u00e5rt?<\/strong><\/h4>\n\n\n\n

Det \u00e4r enkelt att konstatera varf\u00f6r det \u00e4r sv\u00e5rt. Det finns ingen vilja i branschen att \u00e4ndra p\u00e5 det h\u00e4r. M\u00e5nga bolag tj\u00e4nar stora pengar p\u00e5 att kunderna ligger kvar i dyra pensionsl\u00f6sningar, \u00e5r efter \u00e5r. Rent formellt har pensionsspararna fri flyttr\u00e4tt. Men i praktiken h\u00e4mmas den av ineffektiva processer och l\u00e5nga handl\u00e4ggningstider.<\/p>\n\n\n\n

Det \u00e4r tr\u00e5kigt att det ska beh\u00f6va vara s\u00e5, men samtidigt positivt att h\u00f6ra att v\u00e5ra kunder faktiskt f\u00e5r proffsig service under hela resan.<\/strong><\/h4>\n\n\n\n

Det st\u00e4mmer, till dess att vi har en flyttr\u00e4tt v\u00e4rd sitt namn kommer vi att g\u00f6ra allt i v\u00e5r makt f\u00f6r att konsumenten ska ha de m\u00f6jligheter han eller hon f\u00f6rtj\u00e4nar. Allt annat \u00e4r ot\u00e4nkbart.<\/p>\n\n\n\n

Tusen tack f\u00f6r pratstunden, Markus.<\/strong><\/h4>\n\n\n\n

Tack sj\u00e4lv!<\/p>\n\n\n\n

\n
L\u00e4s mer & b\u00f6rja flytta<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

I \u00e5ratal har vi p\u00e5 Nordnet drivit fr\u00e5gan om en enklare och effektivare flyttr\u00e4tt f\u00f6r pension. Vi tycker att ingenting \u00e4r mer naturligt \u00e4n att en pensionssparare sj\u00e4lv ska f\u00e5 v\u00e4lja var han eller hon vill ha sitt sparande. Mycket har h\u00e4nt och idag har vi flyttr\u00e4tt p\u00e5 alla pensioner och ett lagstadgat avgiftstak om […]<\/p>\n","protected":false},"author":40152,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4055],"tags":[130],"class_list":["post-77610","post","type-post","status-publish","format-standard","hentry","category-pension","tag-pension"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/09\/MartinMarkus_1200x430-1-150x54.jpg","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/09\/MartinMarkus_1200x430-1-150x54.jpg 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/09\/MartinMarkus_1200x430-1-620x222.jpg 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