German Pension Refund Eligibility
As a citizen of Serbia, while you were employed in Germany, each month a percentage of your gross salary was paid to the Deutsche Rentenversicherung - the statutory German Pension Insurance - as a pension insurance contribution to secure your retirement pension.
But what happens to your contributions now that you have left Germany? Can you get a German Pension Refund?
The German Social Security Code (§210 SGB IV) regulates the reimbursement of pension contributions from the German Pension Insurance. After you have left Germany, contributions can be refunded on application, if...
a) you have no right to voluntary insurance with the German pension insurance where you currently reside, and...
b) at least 24 months have passed since the last pension contribution payment in Germany.
While b is relatively easy to meet, the social security agreement between Serbia and Germany defines whether and where citizens of Serbia have the right to voluntary insurance. And whoever is given the right to voluntary insurance cannot get a refund. To be eligible for a refund it is very important not to be given the right to voluntary insurance (as it does not matter if you intend to make use of it).
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Voluntary Insurance vs. German Pension Refund
The social security agreement between Germany and Serbia regulates this question:
As a citizen of Serbia, you have the right to German voluntary insurance after leaving Germany if you still reside in the EU, EEA, CH, UK, Moldowia, Kosovo, Montengro, Serbia, or Bosnia-Herzogowina.
If you live outside of this area, you are not allowed to pay German voluntary insurance, no matter how long you have already paid contributions.
In other words, citizens of Serbia are only entitled to a German Pension Refund if they currently reside outside the EU, EEA, CH, UK, Moldowia, Kosovo, Montengro, Serbia, or Bosnia-Herzogowina, and 24 months have passed since the last contribution paid in Germany.
Rule of Thumb For Serbians:
You can only get a refund of your German pension contributions if you live outside of the EU, EEA, CH, UK, Moldova, Kosovo, Montengro, Serbia, or Bosnia-Herzogowina It does not matter how long you have contributed to the German system.
GermanyPensionRefund.com is the best choice to get a refund of your German pension contributions: safe, fast, and efficient international service for pension refunds.
How Much Can I Claim From My German Pension Insurance?
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.
* Current rate since 2018, different in previous years
German Pension Contribution Refund
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Thanks to our years of experience, we know exactly how to speed up the processing time of your German Pension Refund and we make sure that you enjoy a smooth, pleasant, and uncomplicated premium refund.
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Our company was founded in 2007 in Berlin, where the head office of the German pension is located. We therefore work in the immediate vicinity, which has many advantages for your German Pension Refund.
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Feel free to Contact Us regarding your German pension refund, eligibility, residency, waiting period, or any other questions that might arise reading through our refund information. We are here for you.