German Pension Refund for Australians

For Australian nationals who have worked in Germany, understanding how to secure a pension refund is crucial. Your contributions to the German pension system represent an important part of the country’s social security network. Yet, the prospect of retrieving these contributions and comprehending the specific prerequisites for Australians can seem overwhelming.

This article aims to provide a comprehensive overview of the eligibility criteria for Australians to receive a pension refund from Germany.

Whether you’re considering applying for a refund of your German pension contributions or simply want to grasp the intricacies of the social security agreement between Germany and Australia, this guide is designed to provide clear and helpful insights. It seeks to equip you with the necessary information to make well-informed decisions regarding your financial future after leaving Germany.

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German Pension Refund Eligibility for Australian Nationals

As an Australian living and working in Germany, you contribute approximately 9% of your monthly taxable income to the Deutsche Rentenversicherung, which is the official pension insurance system in Germany. It’s vital to understand that this contribution is a shared responsibility, with your employer matching your payments into the social security system.

So, what becomes of these contributions after your employment in Germany ends? Can they be reclaimed?

The guidelines for requesting a refund of your pension contributions from the German Pension Insurance are specified in the German Social Security Code (§210 SGB VI) and are further detailed in the Social Security Agreement between Germany and Australia. This agreement is tailored to the needs of Canadian nationals, detailing eligibility criteria and the process for applying for a refund of your contributions.

Understanding the procedure for claiming a refund of your German pension contributions is key as you plan for your future post-Germany. As a Canadian, you may be eligible for a refund, provided you fulfill certain conditions.

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Pension Refund Eligibility: General Criteria

When you leave Germany, you generally become eligible for a refund of your German pension contributions if:

a) you are ineligible to make voluntary contributions to the German pension system (voluntary insurance/freiwillige Versicherung) from your new place of residence.

and

b) at least 24 months have passed since your most recent contribution to Germany’s statutory pension scheme.

The option to make voluntary insurance payments (a) depends on the social security agreement between Germany and your home country.

Typically, you do not qualify for a refund of your German Pension contributions if:

a) You are eligible for pension benefits or are already receiving a retirement pension from Germany.

b) You can make statutory pension contributions or are covered by compulsory insurance in Germany.

c) You have the opportunity to make voluntary contributions to the German pension scheme (freiwillige Versicherung).

In short: The eligibility for German Pension Refund for Australians


As an Australian citizen, you are eligible for a refund of your German pension contributions only if your employment in Germany lasted less than 5 years (meaning you have made pension contributions in Germany for no more than 59 months) and at least 24 months have elapsed since your most recent pension contribution in Germany.

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Intergovernmental Social Security Agreements

The bilateral social security agreements between Germany and Australia govern how social security benefits are exchanged between the two countries.

For Australian citizens living in Germany as tax residents, the agreements specify that they can receive a German retirement pension after contributing for 60 months.

Regarding voluntary contributions to the Deutsche Rentenversicherung, the agreements allow individuals residing in the EU or the UK to continue making contributions to qualify for a German pension (freiwillige Versicherung). If you’ve already contributed for at least 60 months, you can keep contributing from anywhere in the world.

If you live in the EU/UK or have contributed for at least 60 months, you’re not eligible for a pension refund because you qualify for a German pension. The agreements enable Australian citizens to make voluntary contributions, even without direct benefits.

However, if you don’t meet the pension eligibility criteria and live outside the EU or UK, you might be eligible for a pension refund after 24 months from your last contribution.

German Pension Refund for Australians

Claim your Pension Payout with our Free Eligibility Check


Navigating the process of obtaining German pension refunds can be quite varied, often taking anywhere from several months to over half a year. For those looking for a quicker solution, specialized services such as Fundsback offer an expedited option. Known for our efficiency and effectiveness, at Fundsback, we’re dedicated to making your pension refund experience smoother with expert guidance.

In addition, Fundsback provides useful tools, including a free eligibility check and a user-friendly refund calculator. These tools are designed to evaluate your eligibility for a refund seamlessly and estimate the potential refund amount. Our aim with the refund calculator is to ensure a transparent and easy process for reviewing your pension insurance records with the German pension fund and starting the German Pension refund process.

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Streamline your German Pension Refund with Fundsback

Fundsback makes it easy to optimize your Social Security benefits in Germany, offering a smooth and efficient process. Our specialists provide tailored assistance and guidance to Australian citizens applying for German pension refunds. Given the complexities involved, expert support is crucial to ensure you’re well-informed and comfortable throughout.

At Fundsback, we pride ourselves on delivering personalized advice to assess your eligibility for a refund and maximize your payout.

Choosing Fundsback means navigating the complexities of the German pension system effortlessly, securing your refund with confidence, and eliminating typical hassles associated with such processes.

Do you need help with your German pension? Contact us today for a consultation!