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Fast. Transparent. No upfront fees.
We help you to get your German pension contributions reimbursed
As a Non-EU-citizen who has worked for less than 5 years in Germany, you are eligable to get your pension fund contributions refunded. We are here to making that happen for you.
"Professional, fast, and transparent — Florian and team turned a complicated process into a smooth experience. I finally got my refund without the usual headaches of German bureaucracy."
— Michelle L., USA
"Professional, fast, and transparent — Florian and team turned a complicated process into a smooth experience. I finally got my refund without the usual headaches of German bureaucracy."
— Michelle L., USA
Secure your pension refund risk-free
Book a free consultation
Expats receive on average a reimbursement of 12.530€
Florian Schmid
Co-Founder @ RefundMyPension
How we help Non-EU-Citizens reclaim their pension contributions stressfree and without any risk
Florian Schmid
Co-Founder @ RefundMyPension
How we help Non-EU-Citizens reclaim their pension contributions stressfree and without any risk
+ 150 clients consulted
We have been serving expats with their insurance matters in Germany since 2013
"The German paperwork looked overwhelming, but RefundMyPension took care of everything. They kept me updated at every step and secured my refund without any stress on my side."
— Sarah M., Canada
“Florian and team made the whole process so simple — I filled out a short form, and a few months later the money was in my account. Couldn’t be happier and I so glad I have used their service.”
— Daniel K., Australia
"I thought it would take years or maybe not even be possible to get my pension back. Thanks to Florian, I received over €8,000 that I had completely written off. Highly recommend their service!"
— Priya S., India
Fast. Transparent. Easy.
We reclaim your German Pension contributions stress-free for you.
Our success rate is at 98% in getting our client claims approved.
Quick refund process
Many of our cases are completed in just a few weeks. You sit back and relax while we do the work.
Always up-to-date on the progress
We take care of all the paperwork and communication and keep you up to date along every step.
Only pay if you get your refund
Our commission fee of 7% of the refund amount is only payable if we are successful. 100% win-win.Only pay if you get your refund.
No German bank account needed
Repayment of your reimbursement directly to your bank account globally.
Florian Schmid & Matthias Geiger
Co-Founders @ RefundMyPension
Claim what is rightfully yours.
More than half of the expats leaving Germany do not claim their pension contributions back after leaving the country. Don’t write this opportunity off.
Over our past client cases, we see that our expats clients receive an average reimbursement of 12.530 EUR. There could be a high refund waiting for you, too.
Smooth step-by-step process
How you will get your German pension contribution back when working with us
Free eligibility check &
calculation of your refund
You answer a few questions about your work in Germany, so we can tell you how high your refund is going to be.
Document collection,
submission & follow up
We gather the necessary papers and handle translations, file your claim and take over communicaton with the German Pension Office.
Refund your pension
contributions to you
Once approved, you have something big to celebrate. Your money is transferred directly to your bank account.
Your time investment along this 8 week process is usually less than 30 minutes
Refund Calculator
Wondering how much of your German pension contributions you can reclaim?
Expats receive on average a reimbursement of 12.530€
FAQ
Your questions answered
You can reclaim 100% of the employee contributions (9.3%) you paid into the German pension system. Employer contributions and certain state portions are not refundable. The exact amount depends on your salary, how long you worked in Germany, and how much was deducted from your paychecks. After our free refund check, we’ll give you a clear estimate of what you’re entitled to.
Our service fee is 7% of the refund amount, but only if your refund is successful. There are no upfront costs or hidden fees — if we don’t secure your pension refund, you don’t pay anything.
You may be eligible for a refund of your German pension contributions if certain conditions are met. First, at least 24 months must have passed since your last mandatory pension contribution in Germany. You must also currently live outside the European Union (EU), European Economic Area (EEA), Switzerland, or the United Kingdom. Additionally, the refund applies to individuals who are not citizens of an EU/EEA country or Switzerland and who are not making voluntary contributions to the German pension system.
You can start the application 24 months after your last pension contribution in Germany. In some cases we are able to get the process going earlier. Just speak to us so be can handle your individual situation.
Your refund will be transferred directly to your bank account, no matter where you live in the world.
We handle the entire refund process for you. We check your eligibility, collect and verify all required documents (Certificate of Life, Payment Declaration, Payment Authorization, Deregistration and Residency Documents, Any Additional Required Paperwork=, submit your application to the German Pension Authority, follow up on any requests. Once approved, your money is transferred safely to your bank account, with full guidance provided in English throughout the process.
If you and your partner come to us together and we start on the process for both of you, we can combine our service fee for both of you and offer a discounted fee of 5% per person.
Working with us
About Florian Schmid
Florian Schmid is the co-founder of RefundMyPension and your main point of contact throughout the pension refund process. Since 2013, Florian has been helping expats navigate life in Germany, specializing in all aspects of insurance — from the moment they arrive to the day they leave and beyond.
With over a decade of experience guiding international clients through Germany’s complex insurance & pension systems, Florian combines expertise with a personal, hands-on approach. He understands the challenges expats face and is dedicated to making the process of reclaiming pension contributions simple, transparent, and stress-free.
Whether it’s answering your questions, managing communications with authorities, or ensuring your refund is processed smoothly, Florian is committed to helping you get back what’s rightfully yours — every step of the way.
Working with us
About Matthias Geiger
Matthias is co-founder of RefundMyPension and the one mainly responsible for how we communicate and connect with our clients.
Matthias spent many years in the health and language learning fields, working closely with expats in Germany. He saw first-hand how difficult it can be to navigate German language and bureaucracy.
When he met Florian, who had been helping expats with insurance and pensions for over a decade, it immediately clicked. They decided to combine their experience to create a simple, transparent way for expats to get their pension refunds — without the paperwork or confusion.
That’s how RefundMyPension began — with the goal of helping people get back what they’ve earned, stress-free.
RefundMyPension
Claim what is rightfully yours
RefundMyPension.com
SevenSignals GmbH
Widenmayerstr. 41
80538 München
RefundMyPension.com
SevenSignals GmbH
Widenmayerstr. 41
80538 München