Question 1

Can foreigners get a National Pension lump-sum refund when leaving Korea?

Accepted Answer

Yes, if at least one condition is met: your country grants a corresponding benefit to Korean nationals (reciprocity), Korea has a social security agreement with your country that allows a lump-sum refund, or you hold an E-8, E-9, or H-2 visa. Confirm your case with NPS (call 1355).

Question 2

Which countries cannot receive the NPS lump-sum refund?

Accepted Answer

Under their social security agreements, nationals of Ireland, Denmark, Spain, Sweden, Finland, and New Zealand are generally not paid a lump-sum refund; periods are combined instead. The UK agreement covers contributions only. However, an E-8/E-9/H-2 visa still allows a refund regardless of nationality.

Question 3

How much is the NPS lump-sum refund?

Accepted Answer

The refund returns the contributions paid (about 9% of your standardized monthly income, including the employer share) plus interest at roughly the 3-year deposit rate. This tool gives an approximate estimate only; the exact amount is determined by NPS.

Question 4

What is a social security agreement (totalization agreement)?

Accepted Answer

It is a treaty between Korea and another country that coordinates pension coverage. Some agreements provide a lump-sum refund on departure; others only combine (totalize) your insured periods so they count toward a pension in either country, without a cash refund.

Question 5

Do I need to leave Korea permanently to claim the refund?

Accepted Answer

Generally yes. The lump-sum refund for foreigners is paid when you permanently leave Korea (or reach age 60, or in case of death). Apply at an NPS branch before departure or by mail afterward, with your bank account for international transfer.

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