Fundsback

Fundsback is a Germany-based service specialising in helping expats and former residents reclaim German pension contributions after leaving the country. Many foreign nationals who work in Germany for a period but then leave are entitled to a refund of a portion of their statutory pension contributions (Rentenversicherung) — but the process of claiming these refunds is complex, bureaucratic, and unfamiliar to most.

The standard situation: non-EU nationals who have contributed to the German state pension system (Deutsche Rentenversicherung) for less than five years and have left Germany permanently can apply for a refund of the employee’s share of contributions — typically becoming available 24 months after leaving Germany. For some nationalities, treaty provisions also allow EU nationals to claim under certain circumstances.

Fundsback guides clients through the entire claims process: identifying eligibility, gathering required documentation, submitting the application to the Deutsche Rentenversicherung, and following up until the refund is paid. The service is particularly valuable because many people who are entitled to refunds simply don’t know they can claim, or don’t pursue it due to the complexity of dealing with German authorities from abroad.

For expats who have concluded their time in Germany and moved on, Fundsback offers a straightforward way to recover money they’re owed.