How should you think about the 24-month rule?
The 24-month timing logic matters in many refund cases, but it should be checked together with contribution history and your current situation instead of used as a standalone guess.
“Got €16,400 back. Camilo kept me updated every step.”
James T. · Canada
FAQ
Do I have to wait 24 months for a pension refund?
In almost every case, yes. The Deutsche Rentenversicherung only refunds contributions once 24 full calendar months have passed since your last compulsory pension contribution (§ 210(2) SGB VI), and you cannot shorten that period. It starts with your last insured month in Germany, such as your last payslip or your last month on unemployment benefit (ALG I); leaving the country or deregistering doesn't move the start. If you become compulsorily insured in Germany again during that time, the clock starts over. Have Fundsback check your case when you leave anyway. You'll know your earliest date, everything is ready, and the claim goes out as soon as the wait is over.
Next step
Start with the clearest next step for your case.
Use the pension-check entry for refund-led cases or contact Fundsback when you need a more guided service path.
