Pension refund Germany – Blog

  • Mark@Germanypensionrefund


While you are living in Germany, you are not only working: besides paying bills and following your career, you are also putting money aside for your retirement. If you are employed in Germany that happens automatically. Your employer takes around 9,5 % out of your monthly gross salary and pays it into the German statutory pension scheme, the Deutsche Rentenversicherung.

But what happens to the money you paid after you leave Germany? No need to worry, it will not just disappear! But unless you act, your contributions will stay untouched in Germany forever. Keep reading to find out how you can get a German pension refund:

STEP 1: The first step is to find out, if you are eligible for a refund depending on your residency, as described below.

STEP 2: Unless you have already reached the German legal age for retirement, you have to pass a 24 months waiting period, which starts the month after your last contribution to the pension fund, typically after you leave your last job in Germany. Please note: Even if you have passed 24 months waiting, you cannot apply until you have left the EU/EEA/CH region, as Regulation (EEC) No 1408/71 Article 10(2) states. (You are not eligible for a pension refund while residing within a member state.)

STEP 3. Fill out the application form. Afterwards get your personal information (passport/ID and a proof of residency) confirmed by a local authority or a German Embassy. Even though the embassy might be far from where you live, it will help speed up the process and you will not be asked to send further proof. If you do not feel like dealing with German bureaucracy, feel free to contact us to help you with that.

STEP 4. Once the forms are completed, add a copy of your passport, and send it to the Deutsche Rentenversicherung. We recommend you to use a trackable way of sending your documents so they will not get lost and you have to do the confirmation part again.

STEP 5. Be patient. Once the Deutsche Rentenversicherung has reviewed your case which can take up to 6 month they will send a letter containing a ”Bescheid” to the address you provided in the application form. It will contain the period of contribution and the amount refunded. Also they will automatically send you the amount. Carefully check if the contribution period is correct! Sometimes it does not cover the full period. In that case immediately reply or call to make sure you get your full refund. Also make sure to reply within the deadline. If the deadline is passed it legally means that you accept the content of the ”Bescheid”. Even if it is incomplete you cannot make any further changes or ask for a full refund!

Can you do this alone? Yes, you can. So, you might ask yourself: why are there services like Basically, to make getting your refund faster and easier. Technically, you can cook your own dinner, file your own tax, build your own house and grow your own vegetables. Or you can refer to a professional service, if you want to have a better quality, safe a lot of time and enjoy the convenience.

You can apply in any language, but the Deutsche Rentenversicherung only replies in German. That makes it a bit inconvenient if you are not fluent in formal German. If you like to have a professional partner that will give you all these benefits, feel free to contact us for help.

Some advice if you are doing it on your own: The application process itself is straightforward but we recommend you to gather all correspondence documentation with the Deutsche Rentenversicherung while you are still in Germany, that will help speed up the refund process.

If you know your insurance number e.g. the process will be faster.

Typically, after reviewing your application, the pension office will send you a letter asking for more information or for confirmation that you are fully aware of the consequences and if you really want to get a refund.

The consequences are that all contributions so far are removed from your account and returned to you. You will no longer be in the pension scheme system and if you ever return to work in Germany, your contributions will start over from the beginning.

Unfortunately, the Deutsche Rentenversicherung will reply to you in German language and you will have to figure out what it means. Make sure to reply within the timeframe given, otherwise your application might end in a denial of your refund.

Also make sure to double check the contribution times that they will state refunding you – sometimes they only find part of your contributions in the system (e.g. if you changed employers) and you will have to communicate and sometimes prove that in order to get your full refund.

Many expats find it difficult to deal with the Deutsche Rentenversicherung because of the distance, language barriers and a general lack of insight in the German bureaucratic system and how to deal with authorities.

That is why we have established Germanypensionrefund to help expats with the entire end-to-end communication with the German offices and to make sure, that you get a full refund. Feel free to contact us for further information or to simply ask questions.

Germany pension refund: what are the requirements

Every employee in Germany automatically pays contributions into the Deutsche Rentenversicherung, every month. Many expats do not even realize that fact, because you will not see the money unless you study the numbers on your monthly paycheck.

This applies to everyone, regardless of your citizenship, visa status, contract period or voluntary private pension contributions. Once you retire and you have paid for more than 60 months total into the system, you receive a regular pension from the government based on how much you have contributed.

If you leave Germany …

a) … and you reside outside the European Union, European Economic Area and Switzerland, you might qualify for a refund of your contributions according to the exceptions outlined in Article 210 in the 6th book of social law (§ 210 Sozialgesetzbuch Sechstes Buch (SGB VI)).

b) … and you reside in a non-contracting state, you might qualify for a pension refund no matter how long you paid contributions into the system.

At the moment, there are agreements with the following countries, all other non-EU-countries are considered non-contracting states:

Albania, Australia, Bosnia-Herzegovina, Brazil, Canada / Quebec, Chile, India, Israel, Japan, Kosovo, Macedonia, Montenegro, Morocco, Philippines, Serbia, South Korea, Tunisia, Turkey, Uruguay, United States, and soon: Moldova

Please note: qualifying is not enough to get a refund, you still need to apply to receive it.

I hope you got a clearer idea now on how to get your German pension refund.

Feel free to post a comment if you have any questions or directly contact us.

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