Germany holds a lifelong state record under your insurance number, and the online overview only opens with a German or EU digital identity. We identify what is in your name and hand you the route in. $99, full refund if we find nothing material.
If you worked in Germany and moved on, changed employers, or lost the paperwork years ago, you are in the right place. Pensions are rarely gone. Most of the time the scheme simply lost track of you.
What your Pension Identification Report delivers
Nobody sits between you and your pension. You act the moment the evidence lands.
For Germany, the central record is not publicly searchable from your employment history alone. Your Pension Identification Report delivers the honest access-map: what exists, where your record sits, the deadlines and traps that affect your entitlement, the exact route in, and your entitlement position. The record in Germany sits behind a national credential wall (BundID / eID over the Digitale Rentenübersicht), often keyed to a residency status that no longer applies to departed expats. This is exactly why the human tier exists here: automation can map the door, but it cannot walk through a credential wall for a departed expat. In the Enhanced Pension Identification Report and the Global Pension Identification Report, under your signed Information Request Authority (IRA) the PensionHunter research team prepares your information request for the authority through the official channel, written and ready for you to send, the work no chatbot or portal can do.
Identification & research only, no financial advice
Germany is unusual among walled markets. The state record can be opened from abroad by post with only your lifelong insurance number, no digital identity required, and the results come back to you. Where it genuinely gets hard is the occupational layer, which has no national register at all, so employer continuity across decades is the real bottleneck.
Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension.
Start here
$99
Country Pension Identification Report, Germany
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report ($499): your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report ($799): the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Your Germany report, see the full sampleGERMANY SAMPLEThis is the Germany sample, produced by the same methodology that runs every real case.Open the samplePensionHunter is a team of pension researchers working across 41 countries. We do not touch your money, we take no percentage, and every report is reviewed by a human before release.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
The §210 contribution refund irreversibly extinguishes the ENTIRE record (old-age, disability, survivor cover, all credited periods), yet with 60 totalized months you may already hold a vested pension; plus the Mütterrente child-raising screen.
The record never lapses by inaction, but late claiming permanently forfeits months past the §99 3-month window (post-67 delay partly offset). DRV stops proactive contact ~3 years after leaving.
Personal-record access wall: Digitale Rentenübersicht (German/EU eID + Steuer-ID; third-country leavers locked out)
A postal DRV Kontenklärung route is available, startable with only the lifelong Versicherungsnummer, no eID, results posted
From abroad: Germany is unusual among walled markets: the personal record can be opened from abroad with only the lifelong insurance number, no eID required, the genuine difficulty is occupational (bAV), which has no national register at all and where employer continuity over decades is the bottleneck.
Totalization across EU/EEA/CH + ~18 bilaterals (incl. US, CA, AU, JP, IN); German periods <12 months absorbed by the other EU state.
Primary sources: deutsche-rentenversicherung.de · gesetze-im-internet.de (SGB VI)
Worked in more than one country? One Global Pension Identification Report covers every country you worked in, up to all 41 we cover.
Whether anyone officially counts unclaimed pensions in Germany is a question with a published answer, and we keep it on one page: the Germany row on our pension scoreboard.
For pension schemes and trustees with members in Germany, see our cross-border member tracing services
A postal DRV Kontenklärung route is available, startable with only the lifelong Versicherungsnummer, no eID, results posted
Germany is unusual among walled markets: the personal record can be opened from abroad with only the lifelong insurance number, no eID required, the genuine difficulty is occupational (bAV), which has no national register at all and where employer continuity over decades is the bottleneck.
The record never lapses by inaction, but late claiming permanently forfeits months past the §99 3-month window (post-67 delay partly offset). DRV stops proactive contact ~3 years after leaving.
Totalization across EU/EEA/CH + ~18 bilaterals (incl. US, CA, AU, JP, IN); German periods <12 months absorbed by the other EU state.
Full refund. Our report is a fixed $99 fee; if it delivers nothing material, you pay nothing.
Specific situations we cover. For expats, returning citizens and cross-border workers.
The same kind of guide, other countries
Last reviewed: · Facts verified against the dossier-pipeline gate.
15 pages. 41 countries. Join the list to receive it.
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Some clients order a Pension Identification Report for themselves. Many order it to get their affairs in order: one document their family can find, whatever happens.
We identify what is in your name in Germany and hand you the route in. $99, full refund if we find nothing material.
Find my pensions in GermanyImportant Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or assist with claiming or accessing pension funds.
PensionHunter is not regulated by BaFin or any equivalent financial-services or pensions regulator in Germany. Our service is limited to research and information provision. We charge a fixed research fee paid in advance, Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.