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Pension Refund Service


Calculator & FAQ

With our service, we apply for your pension refund for you! Book online now!

  1. Calculate your refund amount now!
  2. Check your eligibility
  3. Claim your refund online

Our customers are reimbursed an average of

– € 5,780 –

Calculate your Pension Refund amount now

Calculate now


Get your German Pension Refunded

The next step is to determine if you are eligible for the pension refund by taking the eligibility test.

FAQ – Pension Refund

German state pension – What is that?

In Germany, the state pension is part of the social security system. The main purpose of pension insurance is to protect people who have been employed in Germany in old age, in the event of illness or unemployment. However, there are also reasons to have your state pension refunded earlier or for other reasons.

Pension insurance is financed by a particular method: employers and employees pay a certain percentage of the employee’s gross income as an insurance contribution.
Percentage in 2022:

  • Employers: 9,3 %
  • Employees: 9,3 %

In this way, the person acquires the right to social benefits in the event of unemployment, illness, reduced earning capacity, and finally, retirement age. The money that flows into the social security system is used directly to finance pension benefits for people with a claim.
Generally: Anyone wishing to claim their pension contributions must apply to the relevant pension insurance institution. 1, 2, 3

What is a pension refund?

A pension refund is the refund of your pension contributions (9.3%). Unfortunately, the share paid in by the employer cannot be refunded. Nevertheless, these are often large amounts that can be reimbursed. Calculate your pension refund now.

Have you worked in Germany for several years? Then you have probably paid money into your German pension insurance, and it is possible to have the money paid out before you reach retirement age. It could be interesting if you have already left Germany or plan to and do not intend to return. Claim it online now.

How to claim a pension from Germany?

To get your German pension contribution refunded, you need to check the following points:

  • Are you eligible for a pension refund?
  • Was your last pension contribution payment at least 24 months ago?

If you meet these two requirements, you can apply for a refund. To do this, you must fill out the correct forms and send them to German Pension Insurance. For this, you will need your German tax number (Steuernummer) and social insurance number (Sozialversicherungsnummer).

The German Pension Insurance will reply to you, after about 6 to 8 weeks, by post and in German. In addition, this institution will ask for further documents like a certified copy of your passport and a copy of your registration certificate. If there are any problems, you will have to contact them again. Please be patient.

The problem: You are already outside Germany and no longer have a postal address or simply don’t want to deal with German bureaucracy?

The solution: We will gladly take care of the process of reimbursing your German pension, from the application to the transfer. With us, you don’t need a fixed address in Germany, you don’t have to speak German, and your case will be processed faster, so you will get your money back sooner. Use our services.4,5

Can I Claim it online?

Normally, the German pension cannot be refunded online, but if you use our service, it is possible. We take care of all the processes and communication with German Pension Insurance via post. So you can wait from home until the refund is in your bank account.

Who is Eligible for a German Pension Refund?

Whether you are entitled to the pension refund in Germany depends on these basic requirements:

  • You must no longer be subject to compulsory contributions in Germany
  • The last payment must have been made at least 24 months ago
  • You have no possibility of paying into the German pension insurance scheme voluntarily

Whether or not you have the option of paying into the German pension insurance scheme voluntarily depends on your nationality and your current place of residence.

German Nationals

No chance of pension refund

If you have a German passport, you always have the option of voluntarily paying into the pension insurance scheme until you reach retirement age, no matter where you currently reside. It is why German citizens are generally not eligible for pension reimbursement. (Also applies to dual citizenship)

EU citizens and EEA citizens + Swiss + UK

Little chance of pension refund

EEA is the German abbreviation for European Economic Area, including all 27 EU countries + Iceland, Liechtenstein, and Norway. Switzerland is neither part of the EU nor of the EEA. Nevertheless, they are linked to the EU by many treaties, which means that Swiss citizens are on an equal footing with EU citizens in most areas. The same rule has applied to the United Kingdom since Brexit.

  • Belgium
  • Bulgaria
  • Denmark
  • Estonia
  • Finland
  • France
  • Greece
  • Ireland
  • Italy
  • Croatia
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Austria
  • Poland
  • Portugal
  • Romania
  • Sweden
  • Slovakia
  • Slovenia
  • Spain
  • Czech Republic
  • Hungary
  • Cyprus
  • Iceland
  • Liechtenstein
  • Norway
  • Swiss
  • United Kingdome

If you have citizenship in the EEA states (except Germany), Switzerland, or the United Kingdom, you can also pay into the German pension insurance scheme voluntarily until you reach retirement age, and a refund will only be possible once you reach retirement age.

With one exception:

you currently live in a non-contracting state. (No matter how long you have worked in Germany).6

Contracting States

Medium-high chance of pension reimbursement

The Contracting States are countries that have a social security agreement with Germany. If you belong to one of these countries, you have a good chance of receiving a pension refund:

  • Albania
  • Australia
  • Bosnia-Herzegovina
  • Brazil
  • Chile
  • India
  • Israel
  • Japan
  • Canada and Quebec
  • Kosovo
  • Morocco
  • Moldova
  • Montenegro
  • Northern Macedonia
  • Philippines
  • Serbia
  • South Korea
  • Tunisia
  • Turkey
  • Uruguay
  • USA

As a citizen of a Contracting State, you are eligible for the pension refund if:

  • You have worked in Germany for less than 5 years and now live in a Contracting or Non-Contracting State


  • You worked in Germany for more than 5 years and now live in a non-contracting state7
Non-Contracting States

High chance of pension reimbursement

If your country is neither one of the EEA countries nor one of the contracting states, it counts as a non-contracting state. It includes all states that do not have a social security agreement with Germany. At the same time, this means that as a national of a non-contracting state, regardless of your place of residence, you can virtually never make voluntary contributions to the German pension insurance scheme.

You are very well qualified for a refund of your pension if:

  • You now live in a contracting state. No matter how many years you have worked in Germany.


  • You live now in a non-contracting state. No matter how many years you worked in Germany.

How many years do I have to work in Germany to get the retirement benefits

It does not matter how many years you have worked in Germany. It rather depends on which nationality you have and in which country you currently reside.

  • Are you a German citizen?
  • Are you from an EEA country, Switzerland or the United Kingdom?
  • Are you from a contracting state?
  • Are you from a non-contracting state?

The basic requirements for entitlement to the pension refund are:

  • You must no longer be subject to compulsory contributions in Germany
  • The last payment must have been made at least 24 months ago
  • You have no possibility of paying into the German pension insurance scheme voluntarily

How do I calculate my German Refund amount?

The pension payment amount depends on how many months you have worked in Germany and how high your gross income was. It is because you paid 9.3% of your income to the German pension insurance every month up to a certain “Bemessungsgrenze” (assessment limit). You can get a full refund, which usually amounts to several thousand euros.

How long does it take to get a refund?

You must wait 24 months after the last pension contribution to apply for the refund. Depending on the case, the process can take between 1 and 6 months, and it may take a little longer if the amounts have to be transferred to a foreign account. However, with our service, we guarantee the fastest possible processing.