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Germany - Chile | German Pension Refund | All Rights Reserved
How Does German Pension Refund Eligibility Work for Chileans?
Germany and Chile maintain a bilateral Social Security Agreement that allows Chilean citizens to request a refund of their German pension contributions, regardless of how long they worked in Germany.
There is no contribution period limit—which means you can claim a refund even after you reach 60 months (5 years) of contributions.
Key details you need to know:
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You must live outside the European Union or United Kingdom to qualify for a refund.
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24 months must have passed after your last contribution month before applying for a refund.
Why You Should Get a Free Eligibility Check
Many Chileans aren't even aware they can claim their German pension payment, or they assume the process is too complicated. In reality, checking your eligibility is quick, simple, and we offer it completely free of charge.
You don’t pay anything just to find out whether you qualify. If you do meet the criteria, we’ll explain the next steps clearly and handle the process for you if you choose to move forward.
This service is tailor-made for non-EU citizens like Chileans who have returned home or moved elsewhere outside the European Union.
Office building Rentenversicherung, Berlin | The German statutory pension insurance | All Rights Reserved
What Happens if You Want to Work in Europe Again?
Worried that applying for a pension refund could affect your future work plans? No need.
Submitting a refund application does not stop you from moving back to Europe or working in Germany again in the future. Even if you return before your pension refund is processed, your application remains active and valid as long as you met the eligibility criteria on the date of claiming.
You can freely work, travel, and live in the EU again after applying.
How Much Money Are We Talking About?
As a benchmark, the average pension refund amount for former Chilean workers is around €14,800. But the amount refunded varies widely depending on your income, the years you contributed, and your personal circumstances.
Here's what’s taken into consideration:
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Employee contributions: 100% refundable — this is the money deducted directly from your gross salary.
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Voluntary pension contributions: If you paid in on your own, 50% of that can be refunded.
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Special cases: If you had a divorce settlement involving pensions, adjustments might apply.
Also, note that 9.3% pension contributions are only deducted up to a salary cap (Beitragsbemessungsgrenze). In 2025, that cap is at €8,050 per month in Germany.
Earnings above this amount are not subject to mandatory pension deductions and don't influence your pension refund calculation.
What Will It Cost Me to Claim My Pension Refund?
Our service works entirely on a success basis. That means:
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No upfront fees
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No hidden costs
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You only pay if your claim succeeds
The full fee is 9.75% of the total refunded amount, inclusive of VAT and any legal processing expenses.
We don’t get paid unless you do, which guarantees that we’re just as motivated as you are to secure your pension refund as efficiently as possible.
Can I Get A Refund Without a German Bank Account?
Absolutely. You don’t need a German bank account to receive your money.
Once your pension refund is finalized, the funds are paid into a secure escrow account managed by a licensed German law firm.
From there, the money can be wired to any account you nominate — whether it's in Chile, another country, or even to a family member’s account. You can also select the currency you prefer, reducing conversion losses and banking fees.
Can I Get A Refund Without a German Bank Account?
Absolutely. You don’t need a German bank account to receive your money.
Once your pension refund is finalized, the funds are paid into a secure escrow account managed by a licensed German law firm.
From there, the money can be wired to any account you nominate — whether it's in Chile, another country, or even to a family member’s account. You can also select the currency you prefer, reducing conversion losses and banking fees.
How Long Does the Pension Refund Process Take for Chileans?
Timing matters, and we understand that no one wants to wait forever for their pension refund.
Thanks to our specialized approach and direct coordination with German pension offices, most Chilean applicants receive their pension refunds within 8 weeks of filing, while self-filed applicants can have a waiting period of around 6 months.
Our team handles the hard part: gathering up and preparing the documents, responding to queries, and ensuring no administrative mistakes cause delays for your application.
Start Your Pension Refund Journey Today
Thousands of former expats from outside the EU have already successfully reclaimed their German pension contributions, and Chileans are no exception.
With a quick eligibility check, zero upfront costs, and expert legal handling, starting your claim takes just a few minutes.
Take the first step toward your pension refund today.
MAY/27/2025
Process was super smooth
Excellent company! I'd recommend them to everyone.
The process was super smooth and all the German bureaucracy was dealt by them.
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MAY/27/2025
No questions left unanswered
Just got my pension refund and it was as easy and straight forward as I could have imagined.
Very pleasant experience, everything was explained and no questions were left unanswered.
Johannes was always in touch all the way through and I never felt like my case or I don't matter, always friendly and helpful.
Thank you very much and good luck moving forward!
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MAY/21/2025
Transparent, quick, hassle free
I would like to recommend their services to anyone who wants a hassle free, transparent and quick service for their Pension Refund. The whole process was a cakewalk without getting into too much bureaucracy and least amount of documents. Julia was very patient with my questions. I got my refund in less than two months. Highly recommended.
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MAY/17/2025
Professional, on time, clear
I had a great experience working with Julia. The communication was professional and clear. All the requirements were clearly stated and the process was completed on time as expected
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MAY/16/2025
Truly commendable
I would like to express my sincere gratitude for the exceptional assistance provided by Johannes Kühn during my refund process. As an overseas claimant, navigating the requirements and paperwork could have been overwhelming, but Johannes’ professionalism, expertise, and responsiveness made the entire experience seamless and stress-free.
His attention to detail, clear communication, and dedication to resolving queries promptly were truly commendable. Thanks to his support, my claim was handled efficiently, and I am extremely satisfied with the outcome.
Johannes is a tremendous asset to the Company, and I would highly recommend Germany Pension Refund’s services to anyone seeking assistance with pension refunds from abroad.
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MAY/16/2025
2.5 months
I have no words to express my gratitude towards this firm and a very special thanks to Mr. Johannes. I was near about to lost my hope to get this money and one day I just seen this add on german fb friend. It was 4 yrs I left germany so were not sure abt it. Once I contact them, Mr. Johannes guide me for everything and I get my money just in 2.5months. If you want yr money without any trouble, just contact them. Thank you very much again Mr. Johannes and all other team members for make it happen.
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MAY/14/2025
Crystal clear communication, strongly recommend
I recently got my pension refund courtesy of Germany Pension Refund. Johannes was crystal clear in all his communication and helpfully answered/clarified all my queries. After I submitted the required documents, I was informed of the timeline for the processing to be completed and when I would get the refund. I was kept informed about the progress by Johannes. I thank and commend Johannes for being very helpful and thoughtful in all his interactions. I strongly recommend Germany Pension Refund.
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MAY/13/2025
Timely response and updates on the progress
Your professional approach, openness & transparency is highly highly appreciated. Timely response and updates on the progress. Very good experience of working
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MAY/11/2025
Entire process was quick and well handled
If you're planning for pension disbursement, I would highly recommend "Germany Pension Refund". I just had to sign few documents and the rest was taken care by Johannes. The entire process was quick and well handled by the refund team.
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MAY/10/2025
Lead me every step of the way
Johannes from Germany Pension Refund was super professional and very helpful! He lead me every step of the way and I’m very happy of the result. recommended!
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MAY/06/2025
Could not have done this without assistance and diligence
Finally able to get the refund on contributions to German pension. Anna Kliem was great, could not have done this without her assistance and diligence.
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MAY/05/2025
Less than two months as projected
It was great working with the German Pension Refund for claiming my pension. Johannes was responsive, making the process less than two months as projected. I recommend working with them!
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