German Pension Refund for US Citizens

American citizens who worked in Germany can claim back their pension contributions when returning to the United States.

Eligibility for Americans

✓ US citizenship (not dual EU citizenship)
✓ Currently living in the USA
✓ 24 months since last German pension contribution
✓ Completed German deregistration

US-Germany Social Security Agreement

The USA and Germany have a totalization agreement (since 1979), but US citizens living in America can still claim pension refunds.

Tax Implications for Americans

Important: Your German pension refund may be taxable in the USA. Consult a tax professional about:

• IRS reporting requirements
• Whether to report as income
• FBAR requirements if refund is large

Refund Amount

Your employee contributions only: 9.3% of gross salary (2023+).

Example in USD:

• Monthly salary: $3,500 (€3,000)
• Monthly contribution: $325 (€279)
• 36 months: $11,700 (€10,044)

Required Documents

• US passport
• German Abmeldebescheinigung
• Social security card (German)
• US bank details (international wire capable)
• Proof of US residence

Notarization in the USA

Documents can be notarized at:

• German Embassy in Washington, DC
• German Consulates (major cities)
• Local notary (may require apostille)

Processing Timeline

• Waiting period: 24 months
• Application processing: 3-6 months
• Wire transfer to US bank: 4-6 weeks after approval

Common Questions for Americans

Do I need an ITIN or SSN on the application?

Your German pension application doesn't require a US tax ID, but you'll need your German Sozialversicherungsnummer.

Can I have it sent to my US bank account?

Yes! Provide SWIFT/BIC and IBAN equivalent (or ABA routing + account number).

What about state taxes?

State tax treatment varies. Consult your state's tax authority.

Ready to claim your German pension from the USA? Start your application now!