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CLAIM PENSION FROM GERMANY

Eligibility Check
& Pricing

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

  1. Calculate the amount & read FAQs
  2. Check your eligibility now!
  3. Book online service
  4. Get your money

Check eligibility now – Step 1/3

Don’t let language barriers slow you down – Get your German Pension Refunded

Pension Refund Germany

Price Display

10% provison

  • Book online in English!
    You can only book after you have passed the eligibility test
  • We will provide you with the correct forms to fill out
    Everything in english
  • We will explain to you in detail which documents are necessary
  • Our partners will guide you through the process step by step
    with a lawyer and a notary at your side
  • We check your documents and send them to the Deustche Rentenversicherung
  • We handle all communication with the authorities
  • After that, we have to wait for the refund to arrive
  • The payment of the commission will take place when you have received your refund
  • English customer support via email

Claim Your
German Pension

+ 10 % (incl. VAT) of the refunded amount

How the process works:

  • Click on the button “start now”
  • You can only book after you have passed the eligibility test
  • When booking you can choose which of our partners you would like to work with
  • Our partners will guide you through the process step by step, with a lawyer and a notary at your side
  • We will explain to you in detail which documents are necessary to get the pension refunded
  • We will provide you with the correct forms to fill out (English forms)
  • After we have collected and checked your documents, we will send them to the german pension insurance company
  • After that, we have to wait for the refund to arrive
  • The payment of the commission will take place when you have received your refund

FAQ – Pension Refund Germany

German state pension – What percentage can I get back 2023?

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 2023:

  • 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.

If you plan to have your pension contributions refunded, you can only get back the part that you paid into the pension insurance from your gross salary.

How to claim a pension from Germany?

To get your German pension contribution refunded, you need to check if you are qualified for Pension Refund. Therefore we have developped the Eligibility Check.

If you meet the necessary requirements, you can apply for a refund. To do this, you must fill out the correct forms and collect the right documents and send them to German Pension Insurance.

The German Pension Insurance will reply to you, after about 6 to 8 weeks, by post and in German. In addition, this institution mostley 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, you don’t speak German 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 contributions, from the application to the transfer. With us & our partner, 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.

Can I Claim it online?

Usually, the pension refund process can only be made partially digital. Not only do you have to fill out various forms, but you also have to have certain documents notarized and confirmed.

To make the process as easy, fast, and secure as possible for our customers, we have teamed up with our partner Pension-refund.com & developed a digital service. We work with an very experienced company specializing in Germany’s pension reimbursement. Our partner works directly with lawyers and notaries & know how to approach this important and complicated topic.

Why paying for the service?

The refund process can be more complex than expected, with various factors causing delays. For instance, you may assume that submitting the “V0901” form is sufficient, only to receive a request for additional documentation from the pension insurance later on. However, if the letter is sent to your previous address or is lost in transit, you may not receive it at all.

Moreover, the pension insurance may require multiple forms, including a separate one for identity verification and another that needs to be signed and stamped by your bank. Notarization of documents may also be necessary. We take care of all these details for you, eliminating the hassle and delivering a seamless online experience that keeps you informed of your progress every step of the way. You won’t even have to leave your home.

How you will receive your pension refund payment

Pension-refund.com has partnered with registered trustee lawyer Dan Suaidy, based in Hamburg at www.kanzlei-suaidy.de, to establish an escrow account for you. Once the German Pension Insurance makes the payment, the trustee lawyer will receive it and transfer the funds directly to your local bank account. Our partner Pension-refund.com entrusted this process to an official German lawyer, ensuring that you will receive your money with 100% certainty. The trustee lawyer is legally bound to act in your best interest as the trust beneficiary, which means that they must always make decisions that benefit you and no one else. While the trustee lawyer has significant financial control over the refund amount, their actions are always aimed at securing the best outcome for you.

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

or

  • 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.

or

  • 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 refunded

It does not matter how many years you have worked in Germany. It depends on whether you are entitled to pay voluntary contributions into the German pension insurance. This entitlement depends on your nationality and your current residence.

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 partner, we guarantee the fastest possible processing.

How Pension-refund.com manages to accelerate the refund process to just 4-8 weeks

Sources
  1. https://sozialversicherung-kompetent.de/rentenversicherung/zahlen-werte/1103-beitragssatz-rentenversicherung-2022.html
  2. https://ec.europa.eu/social/main.jsp?catId=1111&intPageId=4554&langId=en
  3. https://de.wikipedia.org/wiki/Gesetzliche_Rentenversicherung_(Deutschland)#Grundlage_der_Rentenberechnung
  4. https://www.gesetze-im-internet.de/sgb_6/BJNR122610989.html#BJNR122610989BJNG006801308
  5. https://www.oesterreich.gv.at/lexicon/E/Seite.991094.html
  6. https://www.deutsche-rentenversicherung.de/DRV/DE/Rente/Ausland/Sozialversicherungsabkommen/sozialversicherungsabkommen_detailseite.html