Application for Nenkin/ Pension Lump Sum Withdraw in Japan

1. What is Nenkin?

Nenkin is a pension insurance payment, which is a mandatory contribution for all citizens over 20 years old living and working in Japan, including foreign nationals. For technical interns—who are foreign workers in Japan returning to their home countries after a few years—they are unable to receive pension benefits like Japanese citizens when they retire.

Therefore, foreign workers who have completed their tax obligations while working and living in Japan are entitled to receive a tax refund upon returning to their home country. This refund is called Nenkin (Nenkin insurance in Japan).

2. How is Nenkin Calculated?

The amount is calculated based on the duration of your insurance contributions in Japan. Below is an average estimate; the actual amount will depend on your salary and the length of your insurance contributions.

For example, if your average salary is 200,000 yen:

6 to 12 months: ~105,000 yen
12 to 18 months: ~210,000 yen
18 to 24 months: ~310,000 yen
24 to 30 months: ~420,000 yen
30 to 36 months: ~540,000 yen
36 to 41 months: ~650,000 yen
41 to 47 months: ~760,000 yen
48 to 53 months: ~860,000 yen
54 to 59 months: ~980,000 yen
Over 60 months: ~1,100,000 yen

If you are currently employed and contributing to labor insurance, you may receive from 0.4 to 2.6 months of your standard salary, depending on your contribution period. The standard salary is calculated by taking the total income during the insurance period (salary + bonuses, before tax) and dividing it by the total number of months of insurance contributions.

Let FINTRA JAPAN’s consultants calculate your Nenkin refund for you! Click the button below to connect immediately with a FINTRA JAPAN consultant.

3. What Are the Conditions for Receiving Nenkin?

To qualify for a Nenkin refund, returning technical interns must meet the following conditions:

The applicant must not be a Japanese citizen.
The Nenkin contributions in Japan must have been paid for more than six months.
The applicant must no longer be residing in Japan.
The application must be made within two years (24 months) after returning to the home country.
The tax refund process is divided into two stages: Nenkin First Payment and Nenkin Second Payment.

Required Documents:

A photocopy of the passport with the Japanese immigration stamp indicating the departure date.
A bank account confirmation document in the intern’s name.
- Note: The account must be in the name of the returning intern and be a Local bank account.
The original Nenkin booklet.
The Nenkin refund application form.

Additional Required Documents:

Both sides of the residence card (Zairyu Card)
Pension insurance book (Nenkin book). If lost, the last registered address in Japan must be provided.
Passport photo page.
Bank account confirmation document from your home country bank
YourhHome country contact number and address.

4. Frequently Asked Questions About Nenkin Refunds

How long does it take to receive Nenkin after returning home?

If you apply for a Nenkin refund immediately after returning home, the first payment can be received in approximately two months.

What documents are needed to process the Nenkin refund?

Nenkin application documents include:

A photocopy of the passport
A bank account confirmation document
The Nenkin refund application form
The original Nenkin booklet
A certificate confirming that you are no longer residing in Japan

How much can be received in the first Nenkin payment?

The amount depends on the years and amount of contributions.

For example, if the monthly income is about 200,000 yen:

Nenkin refund for five years: ~1,050,000 to 1,200,000 yen
Nenkin refund for three years: ~500,000 to 600,000 yen

How long does it take to receive Nenkin payments?

If there are no issues with the submitted documents, the first Nenkin payment (which covers 80% of the total amount) can be received within 3 to 6 months. The second Nenkin payment (the remaining 20%) is received 2 to 3 months after the first payment.

Can Nenkin be received without the Nenkin booklet?

Yes, you only need to provide your last registered address in Japan. FINTRA JAPAN can assist you in retrieving your Nenkin refund even without the booklet.

Can Nenkin be claimed if returning home before completing the contract period?

Yes, but only if you have paid insurance for at least six months. However, the refund amount will be lower compared to those who have contributed for 3 to 5 years.

Is there a risk of fraud when claiming Nenkin?

Many untrustworthy agencies and individuals offer low service fees but may withhold the second Nenkin payment (20% of the total refund). To avoid scams, ensure that the service provider:

Is a legally registered business.
Has offices in both Vietnam and Japan.
Provides an official contract with a company seal sent to your home.
Has positive reviews and a strong presence on Google, Facebook, and TikTok.

FINTRA JAPAN meets all these criteria. Contact us to process your Nenkin refund with only a 7% service fee for the second payment!

What happens if there is an error in the Nenkin application?

If errors are found in your application, the Japanese authorities will return the documents to you for correction.

What is the maximum period for claiming Nenkin?

According to the latest pension regulations for technical interns in Japan, if your final Nenkin contribution was made after April 1, 2021, you can claim a maximum of five years’ worth of Nenkin.

Contact FINTRA JAPAN now to start your Nenkin refund process!

5. Important Notes When Claiming Nenkin

Avoid using untrustworthy individuals or unauthorized agents. Many people have lost their second Nenkin payment by dealing with unverified individuals.
Choose a reputable company with experience and legal responsibility, such as FINTRA JAPAN. With FINTRA JAPAN, you will receive a clear, legally binding contract and full transparency in the refund process.
Be cautious of currency exchange fraud. Some agencies use exchange rates significantly lower than the market rate, leading to a loss of 30,000 to 40,000 yen.

Contact FINTRA JAPAN for a secure, reliable, and efficient Nenkin refund process!