German Pension Refund for Canadians
Canadian citizens who worked in Germany can claim back their pension contributions when returning to Canada.
Eligibility Criteria
- Canadian citizenship (excluding dual EU citizenship)
- Currently residing in Canada
- 24+ months since last German pension contribution
- No option for voluntary German pension contributions
Canada-Germany Social Security Agreement
Canada and Germany have a totalization agreement for pensions, but Canadians living in Canada can still claim refunds of their contributions.
Refund Amount
Your refund includes only your employee contributions (9.3% of gross salary since 2023).
Example calculation:
- Monthly salary: CAD 4,500 (€3,000)
- Monthly contribution: CAD 418 (€279)
- 36 months worked: CAD 15,048 (€10,044)
Ready to Claim Your German Pension Refund?
Don't let your hard-earned pension contributions go to waste. Our expert team will guide you through the entire refund process.
Start Your ClaimRequired Documents
- Valid Canadian passport
- German Abmeldebescheinigung (deregistration)
- Sozialversicherungsausweis (social security card)
- Proof of Canadian residence
- Bank account information
Timeline from Canada
- Waiting period: 24 months after last contribution
- Processing: 3-6 months
- Transfer to Canadian bank: 6-8 weeks after approval
Ready to claim your refund? Start your eligibility check now!