How to Claim My German Pension Refund Step by Step?

How to Get a German Pension Refund?

Pension refund in Germany is a complicated process. There are certain criteria that must be met in order to receive a refund of your pension contributions. If you meet these requirements, you can proceed with the application process.

On average, this process takes about six months.

How to Get My Money, Step by Step?

STEP 1: Check Your Eligibility

Your eligibility for a pension refund depends primarily on your nationality and your current country of residence.

In short: If you have the option of voluntarily contributing to the German state pension system, you will not be eligible for a refund.

In detail: Eligibility primarily applies to individuals who are neither German nor citizens of countries within the European Economic Area (EEA), including Switzerland and the United Kingdom.

STEP 2: Fill in the Application Form(s)

You can find information and necessary forms on the Deutsche Rentenversicherung website. Unfortunately, there is no English version.

We have simplified the process, digitized it, and translated it into English. Our lawyer will personally guide you through this procedure.

STEP 3: Collect & Send the Required Documents

Required documents include:

• Deregistration certificate
• Social security card
• Income tax return
• Insurance record from your health insurance

STEP 4: Wait for Your Money to Arrive

After submitting your application, the review process can take up to 6 months. Once complete, you'll receive a decision letter with detailed information about the refund amount.

FAQ: How to Get My Pension Contributions Refund

How many years do I have to work in Germany?

The number of years doesn't determine eligibility. Instead, it depends on how long you have not made contributions and whether you have the option of making voluntary contributions.

How long does it take?

You must wait 24 months after your last contribution before applying. The refund process itself takes 1-6 months.

Can I claim it online?

Normally, no. However, our service provides digital assistance with all necessary processes.

How much money can I get back?

Starting in 2023, employees contribute 9.3% of their gross income. Only your personal contributions are eligible for refund.

Your pension contributions are calculated based on 9.3% of your monthly income, up to an income threshold of €7,050.

Can I have my pension refund if I leave after 5 years?

This depends on your citizenship status and current country of residence.

Where do I find the pension claim form?

You can access all necessary documents on the official Deutsche Rentenversicherung website.

Can I receive a refund within two years?

You can start the process as soon as 24 months have passed since your last contribution.

Ready to Start?

Don't pay until we have successfully refunded your pension! Contact us today to get started.