Finding lost money in Bulgaria.
Bulgaria's state pension record sits with its National Social Security Institute (NSSI). Private pension savings are held by licensed pension companies.
Last read: 1 November 2026
Pensions
Key facts and sources
- A person who does not meet the full insurance conditions can still retire with an incomplete insurance period if they have at least 15 years of actual insurance service. Source: National Social Security Institute, read 1 November 2026.
- A person with the required insurance period who retires up to one year before the retirement age has the pension reduced by 0.4 per cent for each missing month. Source: National Social Security Institute, read 1 November 2026.
Questions
How do I find a lost pension in Bulgaria?
Start with the NSSI, which holds the state pension contribution record. For private savings, ask the pension company you saved with.
Can I get a Bulgarian pension without a full insurance record?
In some cases, yes. The NSSI says at least 15 years of actual insurance service can give a pension with an incomplete insurance period.
What happens if I retire early in Bulgaria?
The NSSI says that retiring up to one year before the retirement age cuts the pension by 0.4 per cent for each missing month.
Worked in more than one country?
No national tool looks across borders. PensionHunter traces pensions left behind across borders. It is run by Battersea Park Capital. Capital Find Money's founder has an interest in it, and we feature it because no national tool looks across countries. Try the free lost pension checker. Our own count of pensions left behind and the guides are free.
We always point people to the free government tracing route first, and we take nothing from financial advisers.