You paid into the German pension system. Here is who qualifies for a refund, and who doesn't.
Non-EU citizens who worked in Germany and now live outside the EU can reclaim their pension contributions (Rentenerstattung) after a 24-month waiting period. Average refund: EUR 12,926.
“Got €16,400 back. Camilo kept me updated every step.”
James T. · Canada
Guide path
The eligibility path in three checks
Refund eligibility depends on your current residence, contribution history and whether you still have open pension insurance obligations in Germany.
Non-EU citizenship and current residence outside the EU
You must be a non-EU citizen and currently live outside the European Union, the EEA and Switzerland.
The 24-month rule: waiting period after leaving Germany
You can apply 24 months after your last mandatory pension contribution in Germany. You can start the process earlier; the application is submitted once the waiting period is complete.
Fewer than 60 months of contributions (the 5-year rule)
If you paid into the German pension system for less than 60 months total, a refund is the standard path. With more than 60 months, a regular pension may be the better option.
Common eligibility questions
Who can claim a pension refund?
Generally, non-EU and UK nationals have the right to a German pension refund. In special cases, EU and UK citizens also have the right to a pension refund. For this reason, it is important to check eligibility individually for each case.
ExploreDo I have to wait 24 months for a pension refund?
Yes, in most cases there is a mandatory 24-month waiting period, which cannot be avoided. In any case, checking whether a pension refund is possible and finding out your earliest eligibility date is useful as soon as you leave or are planning to leave Germany. This gives you enough time to decide. If you decide to obtain a pension refund, you can start preparing everything in advance and make sure that you receive your refund as soon as you are eligible.
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.
Still unsure whether this applies to you? Answer a few questions — no documents needed.