You are a Moroccan citizen and you were previously employed in Germany? Then you might be eligible to cash out your German pension contributions. The reimbursement is possible if you meet the following requirements:
Learn about the details of these requirements in the following article:
There is a social security agreement between Morocco and Germany. This agreement must be considered in connection with the reimbursement of contributions. So how can you find out if you meet the above shown requirements? Check out the following 3 questions:
1. Do you live in any of the following countries?
- Bosnia and Herzegovina
- any country that is a member of the European Union (Please note: not part of the European Union are: the United Kingdom, Iceland, Liechtenstein, Norway and Switzerland, although these countries are geographically located in Europe)
In these countries, the insurance obligation is the same as the one in Germany.
Therefore, if you live in one of those countries, a refund is not possible.
2. Do you live in Germany or a country that is a member of the European Union?
If your answer is “yes”, you are entitled to voluntary insurance in the German pension insurance scheme. Therefore, a cash out is not possible at this time.
3. When did you pay your last contribution either in Germany or any country listed under the first question?
If at least 24 months have passed since you were employed in any of those countries, you are eligible to get your cash out (if the other requirements are met as well).
To summarize, a contribution reimbursement is possible for a Moroccan citizen if he or she does not live in the European Union. If there has already been a pension benefit from the German pension insurance, a refund is not possible.
Please note: the 60 months rule (5 years) doesn´t apply to Moroccan citizens.
Please note: in case you live in Morocco, you need to have a bank account with a Moroccan bank to receive the refund.
Would you like to check if you qualify for a contribution refund? Click here to use our free Pensioncheck: https://www.fundsback.org/en/services/fundsback-pensioncheck/
German Pension Contribution Service uG
Phone: +49-(0)511 898 444 20
Fax: +49-(0)511 898 444 21