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How to Claim Your Pension Contributions in Germany: A Complete Guide for Non-EU Citizens

f you have worked in Germany and contributed to the Deutsche Rentenversicherung (DRV), you may be wondering what happens to your contributions when you leave the country permanently. For non-EU citizens, it is sometimes possible to claim a refund of your pension contributions.

In this guide, we explain who is eligible, the conditions you must meet, the required documents, and a step-by-step process to recover your money.

What is the Deutsche Rentenversicherung (DRV)?

The DRV is Germany’s public pension authority. While working in Germany:

  • You contribute approximately 18.6% of your gross salary each month.
  • Contributions are split between you and your employer.

💡Only your personal contributions can be refunded. Employer contributions remain in the pension system.

Who Can Request a Refund of German Pension Contributions?

Refunds are not automatic and are subject to strict eligibility criteria:

1. Be a citizen of a non-EU/EEA/UK/Switzerland country. Only non-European citizens can apply for a pension contribution refund.

2. No longer reside in Germany or the EU. At the time of application, you must:

  • Have permanently left Germany
  • Reside outside the EU, EEA, the UK, and Switzerland

3. Contributed less than 5 years (60 months).

  • Less than 60 months of contributions → refund possible
  • 60 months or more → no immediate refund, but you retain the right to a future pension

4. Wait 24 months after your last contribution. Applications can only be made 24 months after your last contribution.

💡 Any application submitted too early will be rejected.

Check for Bilateral Social Security Agreements

Some countries have social security agreements with Germany (e.g., USA, Canada, India, Australia, Japan).

In these cases:

  • Refunds may be limited or unavailable
  • Your German contribution periods may count toward your future pension in your home country

⚠️ It is recommended to verify your individual situation with the DRV before applying.

Required Documents to Claim a Refund

Before starting the process, make sure you have:

1. Official Form

  • Form V0901 – Application for Refund of Pension Contributions for Residents Abroad
  • Available in German and often in bilingual versions.
  • DRV Form

2. Identity and Residency Documents

  • Certified copy of your passport
  • Proof of residence outside the EU (utility bill, rental contract, official certificate)
  • Abmeldebescheinigung (deregistration certificate from your German municipality), if available

3. Proof of Contributions

  • Social security certificates (Meldebescheinigung zur Sozialversicherung)
  • Or German payslips / tax certificates

4. Bank Details

  • IBAN and BIC/SWIFT for international bank transfers
  • The account must be in your name to avoid delays

Step-by-Step Guide to Claim a Refund

Step 1: Verify Your Eligibility

  • 24 months have passed since your last contribution
  • You contributed less than 5 years
  • You live outside the EU

Step 2: Complete Form V0901

  • Fill out all sections legibly
  • Verify your employment and contribution dates
  • Sign the form

Step 3: Attach Supporting Documents

  • Include all required copies
  • Missing documents can delay processing by several months

Step 4: Submit Your Application

Send your application by post to:

Deutsche Rentenversicherung Bund

10704 Berlin

Germany

📬 Use tracked mail for faster, safer delivery. You can ask directly the DRV if they can offer you ways to provide the document digitally.

After Submission: Processing and Follow-Up

  • Processing can take several weeks to months
  • The DRV may request additional documents or clarifications

✅ Once approved, your refund is transferred directly to your bank account.

Key Points to Remember

  • Only your personal contributions are refunded
  • Refunds are final
  • After a refund, you lose all rights to a German pension on those contributions
  • When in doubt, contact the DRV directly for guidance

Need Help?

The Deutsche Rentenversicherung offers:

  • English-language services for non-residents
  • Personalised advice for expatriates and former German workers abroad

Conclusion

Claiming your German pension contributions is possible for non-EU citizens, but the process is strictly regulated. Proper preparation, meeting deadlines, and providing complete documentation are essential for a smooth and timely refund.

If you are unsure about your eligibility or any aspect of your pension contributions, it is strongly recommended to contact the DRV directly.