In 2025, Agirc-Arrco will maintain its policy of paying pensions to first business day of each month. On the other hand, when the 1st falls on a weekend or holiday, payment will be postponed to the next business day. Here are the expected payment dates for the year 2025:
- Thursday January 2
- Monday February 3
- Monday March 3
- Mardi 1er avril
- Friday May 2
- Monday June 2
- Tuesday July 1
It is essential to note that 7 monthly payments will be paid with a slight delay relative to the first day of the month. These dates can have an impact on the budgetary management of retirees, particularly for those who have automatic withdrawals scheduled at the start of the month.
Specificities of supplementary pension payment
The Agirc-Arrco supplementary pension payment system has some particularities that are vital to know:
- The effective transfer time on the bank account may vary between financial institutions. Generally quick, the operation can sometimes take a few days.
- For the small pensionsthe payment can be made in one go. This is the case when the amount is less than or equal to 143.86 euros (after the 1.6% revaluation in November).
- Retirees whose pension is between 143.86 euros and 287.72 euros can also benefit from a single payment.
- For the bank accounts domiciled outside Europethe monthly payment is replaced by a quarterly payment.
These provisions aim to optimize the management of payments while adapting to the different situations of retirees. It is essential to ensure that your retirement pension is sufficient to live on your own, taking into account these payment arrangements.
Comparison with the payment of basic pensions
Unlike the Agirc-Arrco supplementary pension, basic pensions follow a slightly different schedule. Here is a comparison table of the two systems:
| Characteristic | Agirc-Arrco supplementary pension | Basic pension |
|---|---|---|
| Usual payment date | 1st working day of the month | Around the 9th of the month |
| Adjustment if public holiday/weekend | Postponement to the next business day | 1st previous or next working day |
| Payment frequency | Monthly (except exceptions) | Monthly |
This difference in timing between the two types of pensions may require a adapted budget planning for retirees benefiting from both systems. It is recommended to take these dates into account when scheduling monthly expenses.
Anticipate changes for better management
Faced with these variations in payment datesit is wise for retirees to take certain precautions:
- Hold a precise timetable payment dates planned for 2025
- Adjust, if necessary, the automatic withdrawal dates
- Provide a small financial reserve to compensate for possible delays
- Stay attentive to communications from Agirc-Arrco regarding possible changes
By adopting these best practices, beneficiaries of the Agirc-Arrco supplementary pension will be able to approach the year 2025 with peace of mind, despite the slight payment delays announced. Proactive management of these changes will help maintain a financial stability throughout the year.
