Three reasons to cash out your German pension contributions now.
Your German pension contributions work like a savings account. If you don't qualify for a regular pension (less than 60 months of contributions), a cash-out may be your only way to get this money back.
“Got €16,400 back. Camilo kept me updated every step.”
James T. · Canada
Guide path
Why cashing out makes sense for many expats
The decision to cash out depends on your contribution history, where you live now and your future plans.
Less than 60 months of contributions? A pension is off the table.
If you contributed for fewer than 60 months (5 years), you don't qualify for a regular German pension. Those contributions sit unused unless you claim a refund.
The 24-month waiting period is your window
After leaving Germany and waiting 24 months, you can apply for a cash-out. You can start the process with Fundsback earlier -- we submit the application once the waiting period is complete.
Average refund: EUR 12,926 across 3,500+ cases
The exact amount depends on your salary and how long you worked in Germany. Fundsback gives you a free estimate before you commit.
Cash-out questions that come up frequently
Who can claim a pension refund?
Pension refund is usually relevant for people who paid into the German pension system, may not fit the standard pension path and want to check whether reclaiming contributions makes more sense than waiting for regular retirement benefits.
ExploreDo I have to wait 24 months for a pension refund?
In many refund cases, the 24-month gap after your last mandatory contribution is part of the timing logic. The exact fit still depends on your insurance history and whether another pension route is more relevant, so it should be checked in context first.
ExploreHow long does a pension refund usually take?
The timeline depends on contribution history, document readiness and authority handling. The first step should clarify whether a refund is realistic before anyone gives you a fixed timeframe.
ExploreReady for the right next step?
Use the guide for orientation, then continue into the matching service path or contact once the next action is clear.
