PEPPPA

The Pan-European Personal Pension Providers Association

PEPPPA is the independent association representing providers of Pan-European Personal Pension (PEPP) products across the European Union. We unite financial institutions, digital platforms, and pension experts to advance a truly portable, tax-efficient, and consumer-focused pension model that supports mobility, transparency, and long-term retirement security across Member States.

Join PEPPPA

Pan-Europeanism

Advancing cross-border access, legal alignment, and linguistic interoperability to ensure PEPP is truly portable across the EU's single market.

Consumer Empowerment

Promoting transparency, affordability, and digital access to personal pension solutions that empower citizens to take control of their financial futures.

Supervisory Engagement

Facilitating constructive dialogue and technical cooperation between providers and EU/national supervisory authorities to support consistent and effective PEPP implementation.

Building Europe's Pension Future

PEPPPA facilitates cross-border collaboration, standardization, and dialogue among stakeholders to make the EU's vision of a Capital Markets Union with mobile retirement savings a reality.

Our Mission

To advance the successful roll-out, adoption, and harmonization of the Pan-European Personal Pension Product (PEPP) across the EU, in accordance with Regulation (EU) 2019/1238. PEPPPA acts as a platform for coordination, representation, and cross-sector collaboration in support of a sustainable European pension ecosystem.

For Policymakers

PEPPPA actively contributes to public consultations and regulatory dialogues conducted by EC, DG FISMA, EIOPA, and national competent authorities. By aggregating insight from licensed providers and ecosystem partners across the EU, we support evidence-based policy and pragmatic implementation of the PEPP framework.

PEPP Providers

Join a cross-disciplinary network of financial service providers, technology firms, and pension innovators working together to shape the future of retirement in Europe. PEPPPA fosters collective engagement, standard-setting, and operational best practices for licensed PEPP providers.

Transparency & Integrity

Operating independently and in the public interest, PEPPPA is committed to the highest standards of transparency, ethics, and impartiality. We ensure all stakeholders—including consumers, providers, regulators, and researchers—can participate in a fair and trusted pension ecosystem.

For PEPP Providers and Ecosystem Partners

Why Join PEPPPA?

As a member, you gain access to:

Regulatory Engagement

Contribute to shaping EU and national pension policy through structured input into legislative and supervisory processes

Technical Working Groups

Collaborate on implementation standards, operational guidance, and cross-border solutions with other regulated providers

Visibility & Advocacy

Strengthen your profile as a recognized PEPP provider and thought leader within the Capital Markets Union framework

Research & Intelligence

Access pan-European data, comparative policy insights, and PEPP uptake benchmarks across the EU

Community & Peer Network

Connect with innovators, academics, and fellow providers working to build scalable, future-ready pension solutions

Membership Categories

Member Type
Annual Fee (EUR)
Founding Member
€1,500
Early Adopter (1st 5)
€1,000
Large PEPP Provider
€2,000
Medium PEPP Provider
€1,200
Small/New Provider
€600
Associate Member
€750
Academics / Observer Institution
Free / €250
Join Now

For membership inquiries: membership@pepppa.org

Our Values

PEPPPA is built on core principles that guide our mission to transform European pension systems and empower consumers across the continent.

Pan-Europeanism

Bridging borders, languages, and legal systems across the EU to deliver a seamless, truly portable personal pension product.

Consumer Empowerment

Advocating for personal pensions that are accessible, simple, and secure—putting the long-term financial well-being of EU citizens first.

Academics and Research

Working closely with universities and research centers to support evidence-based policy and enrich understanding of PEPP's real-world impact.

Integrity

Upholding the highest standards of independence, public accountability, and responsible conduct in all our activities.

Academics & Research Partners:
Join the Conversation on Europe's Future of Retirement

PEPPPA invites universities, research institutions, and policy think tanks to participate as observers, contributors, and research partners. We believe robust academic input is essential to shaping evidence-based PEPP policy and evaluating real-world outcomes across Member States.

Policy & Behavioural Research

Conduct or co-publish research on cross-border retirement savings.

Consumer Behaviour Studies

Examine PEPP uptake, consumer preferences, financial literacy, and behavioral responses across diverse population groups.

Knowledge Exchanges

Participate in EU-wide dialogues, co-host roundtables, and contribute to comparative research on personal pensions
If you're conducting work related to personal pensions, financial inclusion, mobility, or EU consumer policy — we'd love to hear from you.

Contact us at research@pepppa.org to collaborate or propose a project.

Latest Posts

LifeGoals – Why VAT Should Be Excluded from the PEPP Fee Cap

The Pan-European Personal Pension Product (PEPP) was created to provide a simple, transparent, and portable way for Europeans to save for retirement. To protect consumers, the Basic PEPP is subject to...
Read More

LifeGoals – The Future of the Pan-European Personal Pension Product: Unlocking Its Potential

The Pan-European Personal Pension Product (PEPP) was launched with an ambitious vision: to create a simple, portable, and transparent retirement savings product that works across the European Union...
Read More

LifeGoals – Blueprint: Time for an Occupational PEPP

A Pan-European Pension Product: Revision of the PEPP Regulation to Incorporate Occupational Pension Provisions. The blueprint argues for revising the Pan-European Personal Pension Product (PEPP)...
Read More

PEPPA

The Pan-European Personal Pension Providers Association (PEPPA) is a non-profit association (ASBL/VZW) based in Brussels, bringing together financial institutions, technology providers, and experts committed to building a portable, transparent, and future-ready European pension ecosystem.

Contact Us

Pan-European Personal Pension Providers Association (PEPPA)
Boulevard du Régent 54
1000 Brussels, Belgium

Stay Connected

General inquiries:
info@pepppa.org

Transparency Register ID: REG 822177699469-94

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