Regular pension instead of refund
If you have at least 60 contribution months or certain treaties apply, a regular pension claim is often the better route than a refund.
Pension Assist
Clarify your pension entitlement
Paid into the German system for 5+ years? You may have a regular pension entitlement. Fundsback helps you review your insurance record, prepare the application, and take the right formal next step.
"We first clarify what is possible — then we walk the path together."
Camilo Alfonso · Pension Consultant
Since 2015 with German pension cases
External lawyer on complex cases
Personal support for complex pension questions
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Why Fundsback
What sets Pension Assist apart
Eligibility check before the application
Sort insurance record and close gaps
External lawyer on every case
50/50 model — first half refunded if denied
Entire process in English
Personal contact person
Digital process through your dashboard
Not a refund fallback — its own service
Claim check
Do you likely have a pension claim?
5 years / 60 months as a signal
The 60-month threshold is an important signal but not the only condition. Nationality, residence, and treaty status also play a role.
Foreign periods can count
Insurance periods from other countries can be credited toward the German waiting period through bilateral agreements. This can strengthen your claim.
Process
How Fundsback supports your pension claim
Check your eligibility
We first clarify whether a regular pension claim is realistic and what the right next step should be.
Sort the insurance record
Documents, insurance periods, and missing gaps are brought into a clean working order. We identify gaps and close them where possible.
Prepare and file the application
The formal pension application is prepared with structure and filed with the Deutsche Rentenversicherung through our external lawyer.
4.9 out of 5 stars
What our clients say
Real experiences from people who clarified their pension entitlement with Fundsback.
★★★★★
"My case turned out to be a complicated one but they pushed it through even though DRV refused to payout initially. The communication was always nice and the process was very clear."
Vadim Raikhlin
Google review, 2025-03-11
★★★★★
"Everything went super smooth. They have a ticketing system where you can check the status of your case, ask questions and so on. I received my pension money back in less than 2 months with almost zero bureaucracy."
Daniel Klotz
Google review, 2025-02-04
★★★★★
"Extremely professional service and amazing transparency and trust. The whole process was completed in a very short span with minimal inputs and no hassle."
Mohd Atif
Google review, 2025-04-07
FAQ
Common questions about claims and applications
What is Pension Assist?
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Pension Assist is a Fundsback service that helps people navigate the regular German pension application process. It is designed for cases where a refund is not the best route and a standard pension claim, contribution review or application support is more appropriate. The service starts with a personal conversation to clarify fit before any deeper process begins.
Who qualifies for Pension Assist?
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Pension Assist is available to anyone who has contributed to the German pension system, regardless of nationality. It is particularly relevant for people who have 60 or more contribution months, are approaching retirement age or need structured help with a pension application they cannot easily handle from abroad.
How is Pension Assist different from Pension Refund?
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Pension Refund helps you get your contributions paid back as a lump sum, typically for non-EU citizens who have left Germany. Pension Assist helps you apply for regular monthly pension benefits, which may be the better route if you have 60 or more contribution months or if your nationality and residence situation makes a refund less relevant. Fundsback helps you figure out which path fits before you commit.
When is Pension Assist more relevant than Pension Refund?
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Pension Assist becomes more relevant when a regular pension route, contribution history review or a broader application question matters more than a refund-first evaluation. It is the better path when the case needs careful pension application guidance instead of an exit-style route.
What documents do I need for Pension Assist?
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The initial step usually requires your German insurance number (Versicherungsnummer), a valid ID or passport and your current address details. Depending on your case, Fundsback may later request your contribution history (Versicherungsverlauf), proof of employment periods or additional identity documents. The goal is to keep the first step simple and request more only when the direction is clear.
How long does the Pension Assist process take?
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The initial review and case clarification typically takes 2-4 weeks. The full pension application process with the German pension authority (Deutsche Rentenversicherung) can take 3-6 months depending on complexity, missing documents and authority processing times. Fundsback guides you through each step so there are no unnecessary delays on your side.
How should I think about pricing for Pension Assist?
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Pension Assist should position pricing with the same transparency standard as the refund path. The right fee logic can still depend on service scope and case complexity, so the current terms should be clarified before you move deeper into the process.
Free to start
Clarify your claim. Then prepare the application properly.
Talk to Camilo about your case. We will clarify together whether a regular pension claim is realistic for you.