Trusted by 500+ Indians who claimed their refund

Your Money is Waiting in
Germany

Left Germany after working here? Claim back thousands of pension contributions you already paid. We handle the German bureaucracy—you just receive your money.

Your money, rightfully yours
No German skills needed
100% remote from anywhere
No upfront fees to pay
Quick check — Do you qualify?
Calculate My Refund Talk to an Expert
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English Support
Expert Guidance
Average refund for 3 years of work
€14,800
That's money you already earned. Get it back.
  • No upfront costs
  • Pay only when you receive your refund
  • Complete transparency throughout
See Your Estimate

Why Indian Citizens Are Uniquely Eligible

Thanks to the bilateral Totalization Agreement between India and Germany, Indian citizens have special provisions for pension refunds that many don’t know about.

The Totalization Agreement Advantage

Unlike EU citizens who can transfer their pension rights between countries, non-EU citizens like Indians can claim a full cash refund of their employee contributions when they permanently leave Germany.

Under 60 Months = Full Eligibility
If you contributed for less than 5 years, you qualify for a refund
Your Money, Rightfully Yours
These are contributions you already made from your salary
No Loss of Rights
Claiming a refund is your legal right under the bilateral agreement
Your Journey to Refund
Step 1: You worked in Germany and paid pension contributions
Step 2: You moved back to India (or another non-EU country)
Step 3: Apply for your refund through Deutsche Rentenversicherung
Did you know? Your contributions are sitting idle in Germany earning no interest. Claim them and put that money to work for you.
9.3%

of your gross salary was deducted for pension every month

100%

of your employee portion is refundable

€14,800

average refund for 3 years of work

Calculate Your Refund
2-Minute Eligibility Check

Check If You Qualify

Answer 3 quick questions to find out if you're eligible for a German pension refund

Non-EU Citizen
You are an Indian citizen or other non-EU national
Indian passport holders are among the most eligible due to the bilateral Totalization Agreement
Left Germany
You no longer live in Germany or the EU
Already back in India? Perfect—you can apply 100% remotely from anywhere
Worked Less Than 5 Years
Your German pension contributions span less than 60 months
Even 6 months of contributions can mean €1,000+ back in your pocket
1 2 3

Do you currently live outside the EU?

India, USA, UK, Canada, etc.

Join 500+ expats who have successfully claimed their refund

Common Misconceptions We Hear

“I thought this money was gone forever”
It’s waiting for you to claim it
“The process must be complicated”
We handle all German paperwork
“I need to go back to Germany”
100% remote process from India
Interactive Calculator

See How Much You Could Claim

Adjust the sliders to estimate your refund based on your German employment

How German Pension Contributions Work

Germany deducts 18.6% of your gross salary — half from you (9.3%) and half from your employer. Non-EU citizens can claim back their 9.3%.

Your contribution: 9.3% Employer: 9.3% You can claim your 9.3%
Your Employment Details
5,000 €
€2,000€12,000
36 months
6 months59 months (max)
Contribution Breakdown
Your contributions (9.3%) €16,740
Employer contributions (9.3%) €16,740
Total contributed €33,480
Your Estimated Refund
Live Estimate
Estimated refund amount
€16,740
Based on your employee contributions
27 Trips to India
0+ Months rent covered
Actual refund may vary based on income thresholds and contribution history.
Start Your Refund Process Average processing time: 8–12 weeks
Common Questions Answered

We've Heard It All Before

Your concerns are valid—and we have answers. Here's what our clients typically worry about, and the reality.

"I left Germany years ago..."

Still eligible! Most clients claim 1–5 years after leaving. Some even after 10+ years. Your contributions don’t expire.

No time limit
"German forms intimidate me..."

We handle all German paperwork and correspondence. You never need to write a single word in German.

100% English service
"How long does this really take?"

8–12 weeks on average from submission. We provide regular updates so you’re never left wondering.

8–12 weeks average

Why Use Professional Help?

Doing It Yourself
  • Navigate complex German pension system alone
  • Fill out forms in German (V0901, V0905, etc.)
  • Risk rejection due to incomplete applications
  • Wait months with no status visibility
  • Handle complications or rejections yourself
With Our Help
  • Dedicated expert handles your entire case
  • All forms completed and submitted for you
  • 99% success rate with proper documentation
  • Regular status updates in English
  • We manage any issues or follow-ups
Get Expert Help
No upfront fees • Pay only when you receive your refund
Simple 4-Step Process

Your Refund Journey

A straightforward process from start to finish—we handle the German bureaucracy

5 minutes
Share Your Details

Fill out our eligibility form with your German employment history and current situation.

Takes just 5 minutes—no German required. Our form is simple and in English.
Work history Current location Basic documents
STEP
01
STEP
02
1–2 days
Document Collection

We guide you through gathering required documents—payslips, deregistration proof, and more.

Most people already have these documents. We'll help you find any missing ones.
Payslips Abmeldung Passport copy
We handle it
Application Submission

Our team handles all paperwork with Deutsche Rentenversicherung on your behalf.

You relax while we navigate German bureaucracy. No action needed from you.
German forms Official submission Follow-up
STEP
03
STEP
04
8–12 weeks
Receive Your Refund

Funds are deposited directly to your bank account. Typical timeline: 8–12 weeks.

Direct transfer to any country—no German bank account needed.
Bank transfer Any currency Full amount
Start Your Application
No upfront costs • Pay only when you receive your refund
Required Documents

What You'll Need

Gather these documents to start your refund application. Don't worry—we'll guide you through each one.

Last Payslip
Required

Your final payslip from Germany showing Rentenversicherung deductions

Why is this needed?
Deregistration Certificate
Required

Abmeldebescheinigung from your local registration office

Why is this needed?
Proof of Current Address
Required

Utility bill or bank statement from your current country

Why is this needed?
Not sure where to find these?

We'll help you locate and organize all required documents during the consultation.

Get Help
India EPF
Moving from India? Don't Forget Your EPF

If you worked in India before moving abroad, you may be eligible to withdraw your Employee Provident Fund (EPF) contributions. NRIs can typically claim their full EPF balance after leaving India permanently.

Key Points:
  • NRIs can withdraw EPF after 2 months of unemployment in India
  • Both employee and employer contributions are withdrawable
  • Interest earned is also part of the withdrawal

Note: This page focuses on German pension refunds. For Indian EPF assistance, please mention it in your inquiry and we'll guide you accordingly.

FAQ

Frequently Asked Questions

Get answers to common questions about German pension refunds

Generally, if you contributed for 60 months or more, you become eligible for a German pension at retirement age rather than a refund. However, certain bilateral treaties and specific circumstances may provide alternatives. We recommend a consultation to explore your options.

No, to receive a pension refund, you must have permanently left the EU. If you're living in another EU country, your German pension contributions are typically transferable or aggregated with that country's pension system under EU regulations.

The typical timeline is 8-12 weeks from complete document submission to receiving your refund. This can vary based on Deutsche Rentenversicherung's processing times and the completeness of your application.

No, you can receive your refund in any bank account worldwide. Deutsche Rentenversicherung can transfer funds internationally, though your bank may charge receiving fees for international transfers.

If you're at or near retirement age and have contributed for 60+ months, you may be eligible for a German pension instead of a refund. This could actually be more beneficial in the long term. We can help you evaluate both options.

You can claim a refund after leaving Germany, but if you return and resume work, you'll start a new contribution period. Consider whether returning is likely before claiming a refund, as you'd lose those contribution years.

Occupational pensions are separate from the statutory pension (Rentenversicherung) and have different rules. Some company pensions may be refundable, frozen, or transferable depending on the specific scheme. We can help assess your situation.

Pension refunds may have tax implications in both Germany and your home country. In many cases, the refund is not taxed in Germany, but you should check your home country's tax rules. We recommend consulting a tax advisor for your specific situation.
Start Your Application

Check Your Eligibility

Share your details and we'll assess your German pension refund eligibility

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Why Choose Us
  • Expert knowledge of German pension system
  • English language support throughout
  • Complete document handling
  • Secure and confidential process
  • Transparent timeline and updates
What to Expect
  • 24h Initial eligibility assessment
  • 1–2 weeks Document collection guidance
  • 8–12 weeks Refund processing time
Free Consultation: There's no cost or obligation for the initial eligibility check. We'll only proceed if you qualify and choose to move forward.