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German Pension Refund
Get your German pension refunded – fast, secure, and with no upfront fees.
We're based in Berlin and have been helping non-EU citizens worldwide reclaim their German pension contributions from the Deutsche Rentenversicherung (Germany's official state pension authority) since 2015.
We operate on a no-win, no-fee basis — with no upfront costs, full legal support, and secure payouts via a German law firm’s escrow account. You’ll receive full English support throughout the entire process.
On average, our clients receive €14,800, with most refunds processed in just 8 weeks.
Who is eligible for a refund?
If you’re a citizen from outside the European Union who worked in Germany, you may be entitled to a full refund— once you’ve left the country. You must meet both of these conditions:
#1: You currently live outside the EU
#2: At least 24 months have passed since your last pension contribution in Germany
If that applies to you — congratulations. You may qualify to reclaim your full pension contributions.
Visit our FAQ page for full details.
We handle the bureaucracy — you get your refund.
You won’t need to deal with confusing paperwork or German bureaucracy.
We manage the entire process, including:
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✅ Certificate of life
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✅ Payment declaration
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✅ Payment authorization
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✅ Deregistration and residency documents
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✅ Any additional paperwork required
No German bank account? No problem. We’ll ensure your refund is delivered to your local bank account, in your preferred currency.
Also eligible for occupational pension refunds (e.g. VBL)
If you contributed to occupational pension schemes like VBLklassik, we’ll help you claim that refund too — so you don’t leave any money behind.
Legal support included. No upfront payment. 100% online.
Your application is handled by a trusted German law firm.
Legal fees are already included in our 9.75% success-based fee — and you only pay if your refund is approved.
All payouts are processed through a secure escrow account to ensure transparency and safety.
Get Started today — your refund could be worth thousands.
How to get a German Pension Refund online | The German statutory pension insurance | All Rights Reserved
We have been helping people just like yourself successfully claim their refunds since 2015.
And we do it in an easy, fast, and secure way that will get you real results immediately.
Claim your refund online today, then sit back and relax until we deposit your pension payment refund into your bank account.
Check out how easy it is to get your German Pension Refund with us!
Read why expats love working with us.
Do I Qualify for a German Pension Refund?
If you are a non-EU citizen and you live in a non-EU country and at least 24 months have passed since your last pension contribution to the German pension fund, you may be entitled to get a German pension refund.
* Additional rules apply for citizens of the following countries:
For USA, India, Australia, Canada, Brazil, Albania, Moldova, North Macedonia, The Philippines, South Korea, and Uruguay…to qualify for German pension refunds, your German pension insurance balance must hold less than 5 years of pension contributions.
Japanese citizens: if you currently live in your home country, your German pension insurance balance must hold less than 5 years of contributions. However, if you live abroad in another non-EU country, like Canada as an example, this limit does not apply.
Former Yugoslav-state citizens can only claim a refund (before reaching retirement age) residing in a non-EU country outside the former Yugoslav-states area, like the USA as an example.
Israeli citizens only qualify for a German Pension refund (before reaching retirement age) if you currently live outside of Israel, in another country like New Zealand as an example.
Your nationality is not listed above? Congrats, that means no additional rules or limitations apply for you!
Claim your refund online today. You can also use our free eligibility check to verify if your pension contributions are eligible for a refund. No worries, we will take care of all the bureaucratic tasks like your payment authorization form, certificate of life, payment declaration, and all the other documents required to proceed with your refund. Please note that no minimum fee will apply to the process of refunding all your pension payments.
How Much Can I Reclaim From My German Pension?
While you were employed in Germany, 9.3% * was deducted from your gross salary up to the income threshold and transferred to the German Pension Insurance.
If you are a non-European citizen, you can claim your pension insurance contributions back after moving out of Germany, provided you are entitled to do so.
Use our free reimbursement calculator to get an estimate of your possible premium reimbursement.
The average pension refund is 14,800 Euros and you do not need to hold a German bank account to receive your funds.
About Germany Pension Refund
Germany Pension Refund is the leading expert for German pension contribution refunds on the market since 2015.
Our goal is to provide the safest, fastest, and most easy refund experience. Claim your refund online with us, then sit back with peace of mind while we take care of everything for you. Read more.
Office building Rentenversicherung, Berlin | The German statutory pension insurance | All Rights Reserved
We are experts on this topic. Our team is specialized in every social security agreement Germany has signed. Our experience goes back to the year 2015.
We team up with specialized law firms to speed up the process and gain full legal leverage. Read more.
We provide free evaluation of your case - do not hesitate to contact us regarding your refund, eligibility, residence, waiting period, or any other questions that might arise reading through the information about German Pension Refunds.
Read below how our most recent customers experienced working with us.
Or visit our Testimonials.
Recent Google Reviews – Germany Pension Refund
JUL/10/2025
Answered all questions promptly
Before, during, and after the refund process, I felt confident thanks to the clear information provided at each step. Julia was very kind in resolving my doubts and answered all my questions promptly. Thanks a lot Julia, well done!
Read on
JUL/08/2025
Smooth and hassle-free, received funds in 5 weeks
Highly recommend. The pension refund process was really smooth and hassle-free. I just sent some documents, signed 1-2 forms that Johannes sent and just relaxed. The complete process was much much faster than I expected and I received the funds in 5 weeks.
Read on
JUL/03/2025
Quick and easy
Great company, very quick and easy to work with. 5 stars!
Read on
JUN/24/2025
Extremely professional, definitely recommend
Extremely professional. I had claimed the refund on my own and it was rejected by the authorities. I then contacted German Pension Refund after reading good reviews about them. Johannes and his team appealed against this decision and finally got me the refund. They respond quickly and keep close follow up on your case.
Will definitely recommend.
Read on
JUL/09/2025
Processed pension in less than 1 month!
The agency is legit. Helped me processed my pension refund smoothly and surely without a hassle in less than 1 month! I would greatly recommend them! Thank you!
Read on
JUL/08/2025
Took 2 months
(Traducido por Google) Recomiendo ampliamente el Servicio de Reembolso de Pensiones de Alemania, ya que es como si fueras tú quien realiza la solicitud, incluso si ya no pudieras vivir en Alemania. Son muy profesionales y te guían e informan con gran fluidez durante todo el proceso. Tardé unos dos meses en recibir el reembolso en mi cuenta bancaria local.
(Original)
I fully recommend the Service of Germany Pension Refund as it is as if you were the one doing the request even thought, you are not living anymore in Germany. Johannes was very professional and guide/inform me quite smooth during all the process. It took around 2 months to get my funds back at my local bank account.
Read on
JUN/28/2025
Transparent, refund in 5 weeks
Got my refund in 5 weeks from application submission, no follow up needed. Very transparent process.
Read on
JUN/23/2025
Amazing! Completely stress-free
Germany Pension Refund are amazing!
They made the entire process of claiming my German pension refund completely stress-free. The team (esply Julia) was super prompt, professional, and took care of all the paperwork and communication with incredible efficiency. They handled it all and kept me updated every step of the way. I highly recommend their service to anyone looking to claim their pension refund from Germany. Thank you for making something that felt overwhelming so easy!
Read on
JUL/09/2025
Helpful, prompt, awesome
Awesome service, really helpful, prompt and make the whole process so easy. Thanks Christian!
Read on
JUN/27/2025
Trustworthy
Very professional and trustworthy company.
Recommend them to anyone needing their service.
Read on
JUN/23/2025
Easy to understand, very clear
I had the pleasure of getting the help of Christian Kliem at Germany Pension Refund. Christian was very clear with his communication - Made everything easy to understand - and dealt with everything that needed to be done to get my Pension Refund back.
Highly recommend!
Read on
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Frequently Asked Questions
Who can get a refund?
Anyone who worked in Germany 2 years or longer ago, is a non-EU citizen, and has left the EU/UK.
Is the refund taxable?
In Germany, no. Please check if your country of residence has a double-taxation agreement with Germany.
What documents do I need?
Your passport, deregistration certificate, and pension number (Sozialversicherungsnummer).
How is the refund paid?
Into a secure law firm escrow account, and then transferred to your preferred global account.
What is the average German refund amount?
On average, our clients receive a refund of €14,800 — but the exact amount depends entirely on how much was deducted from your salary during your time working in Germany.
The refund is calculated by the German pension office (Deutsche Rentenversicherung) and is based on:
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Your gross income for each year worked in Germany
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The official pension contribution rate for each year
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The annual contribution cap (“Beitragsbemessungsgrenze”) applied during your contribution periods
👉 Example: If you worked in 2025 and earned above the monthly cap of €8,050, your annual pension contribution would be €8,983.80. That year alone would be fully refundable if you're eligible.
⚖️ Important: By law, only a full refund of all eligible contribution periods is possible. Partial refunds are not allowed, and no agency — including us — can increase or manipulate the refund amount.
This isn’t like a tax refund: there are no deductions, tricks, or adjustments. If you're eligible, the entire amount contributed by you is refunded — directly based on your official records.
You’ll receive a full official refund statement from the German pension authority before any money is transferred or any fees apply.
Want to learn more?
