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Get Reimbursed
Only 9.75% service fee — no minimum, maximum €2,500.
Fast & secure payout via a German law firm’s escrow account.
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Your information is used only to assess your eligibility and process your refund. It is never sold and is only shared with trusted processors when necessary.
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German Pension Refund
Get your German pension refunded – fast, secure, and with no upfront fees.
We're based in Berlin and have been helping non-EU citizens worldwide reclaim their German pension contributions from the Deutsche Rentenversicherung (Germany's official state pension authority) since 2015.
We operate on a no-win, no-fee basis — with no upfront costs, full legal support, and secure payouts via a German law firm’s escrow account. You’ll receive full English support throughout the entire process.
On average, our clients receive €14,800, with most refunds processed in just 8 weeks.
Who is eligible for a refund?
If you’re a citizen from outside the European Union who worked in Germany, you may be entitled to a full refund— once you’ve left the country. You must meet both of these conditions:
#1: You currently live outside the EU
#2: At least 24 months have passed since your last pension contribution in Germany
If that applies to you — congratulations. You may qualify to reclaim your full pension contributions.
Visit our FAQ page for full details.
We handle the bureaucracy — you get your refund.
You won’t need to deal with confusing paperwork or German bureaucracy.
We manage the entire process, including:
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✅ Certificate of life
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✅ Payment declaration
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✅ Payment authorization
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✅ Deregistration and residency documents
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✅ Any additional paperwork required
No German bank account? No problem. We’ll ensure your refund is delivered to your local bank account, in your preferred currency.
Also eligible for occupational pension refunds (e.g. VBL)
If you contributed to occupational pension schemes like VBLklassik, we’ll help you claim that refund too — so you don’t leave any money behind.
Legal support included. No upfront payment. 100% online.
Your application is handled by a trusted German law firm.
Legal fees are already included in our 9.75% success-based fee capped at €2,500 for large refunds — and you only pay if your refund is approved.
All payouts are processed through a secure escrow account to ensure transparency and safety.
Get started today — your refund could be worth thousands.
How to get a German Pension Refund online | The German statutory pension insurance | All Rights Reserved
We have been helping people just like yourself successfully claim their refunds since 2015.
And we do it in an easy, fast, and secure way that will get you real results immediately.
Claim your refund online today, then sit back and relax until we deposit your pension payment refund into your bank account.
Check out how easy it is to get your German Pension Refund with us!
Read why expats love working with us.
Do I Qualify for a German Pension Refund?
If you are a non-EU citizen and you live in a non-EU country and at least 24 months have passed since your last pension contribution to the German pension fund, you may be entitled to get a German pension refund.
* Additional rules apply for citizens of the following countries:
For USA, India, Australia, Canada, Brazil, Albania, Moldova, North Macedonia, The Philippines, South Korea, and Uruguay…to qualify for German pension refunds, your German pension insurance balance must hold less than 5 years of pension contributions.
Japanese citizens: if you currently live in your home country, your German pension insurance balance must hold less than 5 years of contributions. However, if you live abroad in another non-EU country, like Canada as an example, this limit does not apply.
Former Yugoslav-state citizens can only claim a refund (before reaching retirement age) residing in a non-EU country outside the former Yugoslav-states area, like the USA as an example.
Israeli citizens only qualify for a German Pension refund (before reaching retirement age) if you currently live outside of Israel, in another country like New Zealand as an example.
Your nationality is not listed above? Congrats, that means no additional rules or limitations apply for you!
Claim your refund online today. You can also use our free eligibility check to verify if your pension contributions are eligible for a refund. No worries, we will take care of all the bureaucratic tasks like your payment authorization form, certificate of life, payment declaration, and all the other documents required to proceed with your refund. Please note that no minimum fee will apply to the process of refunding all your pension payments.
How Much Can I Reclaim From My German Pension?
While you were employed in Germany, 9.3% * was deducted from your gross salary up to the income threshold and transferred to the German Pension Insurance.
If you are a non-European citizen, you can claim your pension insurance contributions back after moving out of Germany, provided you are entitled to do so.
Use our free reimbursement calculator to get an estimate of your possible premium reimbursement.
The average pension refund is 14,800 Euros and you do not need to hold a German bank account to receive your funds.
About Germany Pension Refund
Germany Pension Refund is the leading expert for German pension contribution refunds on the market since 2015.
Our goal is to provide the safest, fastest, and most easy refund experience. Claim your refund online with us, then sit back with peace of mind while we take care of everything for you. Read more.
Office building Rentenversicherung, Berlin | The German statutory pension insurance | All Rights Reserved
We are experts on this topic. Our team is specialized in every social security agreement Germany has signed. Our experience goes back to the year 2015.
We team up with specialized law firms to speed up the process and gain full legal leverage. Read more.
We provide free evaluation of your case - do not hesitate to contact us regarding your refund, eligibility, residence, waiting period, or any other questions that might arise reading through the information about German Pension Refunds.
Read below how our most recent customers experienced working with us.
Or visit our Testimonials.
Verified Client Reviews – Google, ProvenExpert & Trustpilot
You can also view our profiles directly on Google, ProvenExpert and Trustpilot.
🇭🇹
DEC/22/2025
Exceeded my expectations
I recommend the services of German Pension Refund for their quality, efficiency, and timely service delivery in line with established standards. I received confirmation of my refund within five weeks, whereas the process typically takes up to six months. Their support exceeded my expectations, delivering effective and positive outcomes while significantly reducing bureaucratic complexity and potential delays.
Read on
🇮🇳
DEC/17/2025
Made everything so simple and convenient
I am very happy with the services provided. They made everything so simple and convenient that I received the funds in my bank account well before the estimated time. Highly Recommended…!!!! Kudos to Johannes who shared clear and specific instructions over email and got the whole thing done in just a few messages.
Read on
🇮🇳
DEC/13/2025
Very professional
Very professional service. Got the pension money without much effort from my side.
Read on
🇦🇺
DEC/06/2025
Very easy and smooth
A very easy and smooth process thanks to Christian. He kept me updated throughout the process and was able to answer any questions I had. I highly recommend using Germany Pension Refund if you're planning on accessing your German pension.
Read on
🇦🇷
DEC/18/2025
Whole process was super clear and easy
Excellent service and attention. They got my refund on time and save me from dealing with the German bureaucracy once again. The whole process was super clear and easy, I just had to sign some papers and send them scanned, they got rid of everything else. 100% recommended.
Read on
🇺🇸
DEC/15/2025
Efficient and pleasant
Julia and her team made what would have otherwise been a complicated process very efficient and pleasant. Highly recommended!
Read on
🇧🇷
DEC/11/2025
Highly efficient
Great communication, highly efficient. Refund processed in a matter of weeks. Much easier than dealing with German bureaucracy directly. Highly recommended!
Read on
🇮🇳
DEC/18/2025
Refund within 3 months
Julia from Germany Pension Refund was extremely helpful and helped me process my refunds very smoothly. I was able to receive my refund within 3 months. I fully recommend their service to all returning expats from Germany!
Read on
🇮🇳
DEC/13/2025
Impeccable
The service offered by this firm was impeccable with patience, clarity and good communication for honest pricing.
Read on
🇺🇸
DEC/02/2025
Excellent Communication and Process
I was apprehensive at first about hiring someone overseas to request my pension refund. However, the process could not have gone smoother. Johannes and his team were very communicative and I received my refund in less than three months!
Read on
Want to read more reviews?
Frequently Asked Questions
Who can get a refund?
Anyone who worked in Germany 2 years or longer ago, is a non-EU citizen, and has left the EU/UK.
How much is the service fee?
Our service is 100% success-based with no upfront payment.
The fee is 9.75% of your refund, and it is capped at a maximum of €2,500 — even for very large refunds.
All legal fees and processing costs are already included.
You only pay after your refund has been successfully received.
Is the refund taxable?
In Germany, no. Please check if your country of residence has a double-taxation agreement with Germany.
What documents do I need?
Your passport, deregistration certificate, and pension number (Sozialversicherungsnummer).
How is the refund paid?
Into a secure law firm escrow account, and then transferred to your preferred global account.
What is the average German refund amount?
On average, our clients receive a refund of €14,800 — but the exact amount depends entirely on how much was deducted from your salary during your time working in Germany.
The refund is calculated by the German pension office (Deutsche Rentenversicherung) and is based on:
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Your gross income for each year worked in Germany
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The official pension contribution rate for each year
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The annual contribution cap (“Beitragsbemessungsgrenze”) applied during your contribution periods
👉 Example: If you worked in 2025 and earned above the monthly cap of €8,050, your annual pension contribution would be €8,983.80. That year alone would be fully refundable if you're eligible.
⚖️ Important: By law, only a full refund of all eligible contribution periods is possible. Partial refunds are not allowed, and no agency — including us — can increase or manipulate the refund amount.
This isn’t like a tax refund: there are no deductions, tricks, or adjustments. If you're eligible, the entire amount contributed by you is refunded — directly based on your official records.
You’ll receive a full official refund statement from the German pension authority before any money is transferred or any fees apply.
Want to learn more?
