If you are an Indian citizen and your baby is just born in Germany, here are the things you need to do as soon as the baby has arrived. A newborn always brings joy to the family. The first hours and days are always exciting and overwhelming to the parents. To avoid confusion and organize your post delivery life easier, check out our checklist once you are settled. Citizenship Indian expatriates in Germany often wonder whether their newborn in Germany receives German citizenship or Indian citizenship. A child born in Germany after 1 January 2000 may acquire German citizenship even if neither parent is German. For this however, one parent must have lived legally in Germany for a minimum of five years and have an unlimited residence rights or a residence permit for three years. Between the ages of 18 and 23, children who become German citizens in this way must decide whether to retain the German citizenship or take their parents' citizenship. Your child will automatically become an Indian citizen if you do not fall under any of the categories pointed out above. However, the child will officially become an Indian citizen only after you register him / her in the Indian consulate. Read FAQs on the website of The Federal Foreign Office for more info. How do I get my child's Indian citizenship? Get the birth certificate Within seven days of delivery, you are required to register your baby's birth at the local registry office (Standesamt) where the baby is born. Nowadays, you can do this online through the hospital. It is also possible for the mother to register the birth of the child herself. As an alternative, you can also have the father, the midwife, a relative, or a close friend register the birth on behalf of the parents with an authorisation letter. Documents required to register the birth at Standesamt A copy of both the parents’ birth certificate (A translated version if not in English). Marriage certificate (A translated version if not in English). Copy of the passport of both the parents Application form (you will get the application form either when you register at the hospital for the delivery or when you arrive at the hospital at the time of the delivery) After submitting your application online, you can apply for a birth certificate on your city's citizen portal ( muenchen.de for people in Munich or berlin.de for Berliners). It may take a week or two to receive it by post; yes, you can only receive it by post. Usually, multiple copies of the birth certificate (Geburtsurkunde) will be sent to you. You may use them to apply for the child benefit (kindergeld) , health insurance , parental allowance (elterngeld) , etc. If you need to get any documents translated to German, or from German to English, Beglaubigung24 is a trustworthy translation service you can rely on. You’ll also have the possibility to request for additional copies and international versions of birth certificates (in English) which you may use to apply for the passport and for other purposes. If the online submission is not possible in your city, you or the representative you authorise will be able to do the same at the local citizen's office. How to register my baby as an Indian citizen in Germany? Registering your baby as an Indian citizen in Germany is a four step procedure. An online application form has to be filled on the web portal of Government of India You also need to upload the below documents to complete step Photograph of the child (Indian passport size (35x35 mm / 2 x 2 inch), white background, JPG format, the size should not exceed 20 KB) Signatures of the both the parents (JPG format less than 20 KB in size) Birth Certificate of the child issued by local German Authority (PDF format, less than 1 MB) Copies of passport of both parents (first and last page of the passport) [ PDF format, less than 1 MB] Print out of the form that was submitted online to the Ministry of Foreign Affairs. Before submitting it, make sure both parents have signed it. You may submit the form in person at the Office of the Consulate General of India in the city you live or send it to the consulate along with the supporting documents as per the checklist mentioned below. If there’s no Indian consulate in the city you live in, you can go to the Indian consulate in a nearby town. Alternatively, you can also post the application to the Indian consulate nearest to you. An application Fee must be paid at the counter if you are visiting the consulate in person. If you send the application by post, you can make a bank transfer. However, the payment may be made in advance (as it may take 2 to 3 working days to get reflected in their bank account). Ensure that the supporting documents include proof of payment. Otherwise, the application will be sent back to you without processing. Documents required to register my child as an Indian citizen in Germany Print-out of the form filled online Copy of Birth Certificate issued by the local German Authority Copies of passports of both parents Copy of Address proof (Meldebescheinigung/ Personalausweis) Self-addressed envelope with stamp of Euro 4.05 (if applicants requests for dispatch of Birth Certificate by Post) Please refer to the respective Indian consulate’s website for the information about the fees and bank account details. Please note that: The child is eligible for registration as Indian Citizenship by “Descent” only if any one of the parent (or both the parents) hold Indian nationality at the time of birth of the child. The Indian Consulate reserves the right to contact you for any additional documents, if necessary. The applicant may be called for a personal-interview or the verification of original documents if necessary. Please also note that the application for Indian citizenship must be made within one year of the child's birth on the prescribed form How to get Indian Passport for my child born in Germany Upon receiving Indian citizenship, you can apply for your child's Indian passport. Checklist of Documents and procedure to apply for Indian passport: Go to ‘ Passport Seva at Indian Embassies and Consulates ’, website, select Germany from the list of countries, and fill out the application form on behalf of your child. Print-out of the field passport application form. Instead of signature, take a thumb impression of your child in the signature box on the first and last pages of the application form (Note that the left thumb impression if the child is a boy and right thumb impression in case of girl) Copy of birth certificate issued by the local German authority Copy of the Indian birth certificate 2 photographs of the child (one pasted on the designated place in the application form and other stapled on the last page of application form) Self-attested copies of parents' passports and residence permits / visas Copy of Meldebescheinigung (Proof of residency/address) A Consent Letter from parents (please refer to your respective consulates website for the form) Annexe G – applicable if either one of the parent has not given consent (please refer to your respective consulates website for the form) As mentioned above, you may submit the form in person at the Office of the Consulate General of India in the city you live or send it to the consulate along with the supporting documents as per the checklist mentioned below. If there’s no Indian consulate in the city you live in, you can go to the Indian consulate in a nearby town. Alternatively, you can also post the application to the Indian consulate nearest to you along with the supporting documents. A processing fee must be paid at the consulate if submitting the form in person or transfer the corresponding amount to the consulate’s bank account if you are sending the application via post. You may check the consulate’s website for the fee info. For sending the new passport by Post, please also send a medium sized self addressed and stamped (EUR 4.05) envelope along with your application Please note that the child’s presence may not be necessary at the consulate. Processing Time of the application for Indian passport in Germany Depending on the rush at the consulate, it may take around 6-8 weeks for issuing the new passport. You can also apply for both Indian citizenship as well as Indian passport in one go. However, make sure you include both applications as well as separate copies of supporting documents in the envelope. The Indian consulate will send back the applications if separate copies of supporting documents are not included in the envelope when you send them. In our experience, applications sent to the Indian consulate by post are considered as prioritised as in person applications. Therefore, we recommend sending all your applications by post to avoid any unnecessary waiting time at the consulate. Apply for the residence permit for the Indian child in Germany When you receive your child's passport, the rest of the process is the same for anyone residing in Germany. Requirements If both parents (in the case of shared parental responsibility) or the parent with the sole parental responsibility are in possession of a valid residence title when the child is born Your baby was born in Germany and is registered as living in a household with the custodial parents The residence permit for the child can be obtained from any local citizens office (Bürgeramt) in Germany if you meet one of the above criteria. While the condition is the same in most cities, some Bürgeramts will require you to meet additional criteria as well. Therefore, before your appointment, you should check with your local citizen's office. The Bürgeramt may refer you to the local foreigner's office (Ausländerbehörde) if your family's situation differs, such as if one parent is a European citizen. You can get a free consultation at your local foreigners office if you're not sure where to begin. The section 33 of the residence act (Aufenthaltsgesetz - AufenthG) defines every scenario for residence permit in Germany. Some frequently asked questions Can Indian parents get financial assistance for their newborn in Germany? Yes, Indian parents in Germany may be eligible for financial assistance through various government programs, such as child benefits and parental leave. Is it mandatory to vaccinate an Indian newborn in Germany? Yes, vaccinations are mandatory in Germany and Indian newborns are required to receive vaccinations according to the country's recommended immunization schedule. How do Indian parents find childcare services for their newborn in Germany? There are various childcare options available for Indian parents in Germany, such as daycare centers, nannies, and au pairs. The local authorities and expat communities can provide information and assistance in finding suitable childcare services. Do Indian newborns in Germany need a visa to travel to India? Yes, Indian newborns in Germany need a German visa to stay in the country for more than 90 days and if wishes to travel to India. The visa application process will depend on the purpose of the stay (e.g. tourism, study, or work) and the individual circumstances of the child's family. What kind of documentation do I need to travel with my Indian newborn in Germany? You will need a valid passport for your child, as well as any necessary travel documents, such as a visa or residency permit. You may also need to provide documentation of your child's health status and vaccinations.

EU Blue Cards are issued by EU member states to third-country nationals. The holder of an EU Blue Card is entitled to take up residence in the EU for the purpose of taking up gainful employment. The EU Blue Card is designed in a way to attract the highly qualified professionals from third-countries to jobs where there is a shortage of qualified personnel or where a shortage is likely to arise in the future. The EU Blue Card is the main residence permit for university graduates from abroad. It is a simple and unbureaucratic procedure geared to third-country nationals keen to put their talents to use in Germany. In fact, An EU Blue Card can be applied for in all EU Member States apart from Denmark, Ireland and the United Kingdom. Slight differences apply with regard to the conditions, such as the amount of the gross annual salary. What opportunities does the EU Blue Card offer? Generally, an EU Blue Card is issued for the duration of your work contract, including 3 additional months, within a 4-year period. It is possible to be granted an extension if certain requirements are fulfilled. Your local Foreign Registration Authority ( Ausländerbehörde ) must approve of any job changes taking place within the first two years of employment. When you have a Blue Card, You may apply for a settlement permit after 33 months after getting a Blue Card. A settlement permit can be issued after 21 months if you can provide the proof of required language skills (at least a B1 level). Requirements to apply for an EU Blue Card? You have a German degree, a recognised foreign higher education degree, or you have a foreign higher education degree that is comparable to a German higher education degree. You already have an unlimited job contract / offer from a company in Germany. The position must be appropriate for someone with your qualifications (higher education degree) You have a minimum annual gross salary of 41,041 Euros. A reduced minimum annual gross salary of 44,304 Euros applies to employment in the occupational fields of mathematics, computer science, the natural sciences, engineering and human medicine (not including dentistry) (as of 2021 - the salary thresholds are readjusted for each calendar year). Documents Required for the German EU Blue Card Valid passport. A recent biometric photo. Fully filled and duly signed application form. Declaration on the Employment Relationship. ( Erklärung zum Beschäftigungsverhältnis) Employment contract or job offer. Proof of residence (Wohnungsgeberbestätigung) OR your rental agreement Original degree or diploma certificate. Proof of insurance How to apply for a EU Blue Card in Germany Once you have all the documents ready, get an appointment at your local foreigner’s office ( Ausländerbehörde ). The official will verify the documents and accept your application. You will then be asked to make the payment by cash or by your bank card. Cost of a Blue Card for Germany First time issue: €100 Extension ( up to three months ) : €96 Extension more than three months: €93 Turkish citizens: €28.80

A job seeker visa may be an option for you if you have the skills and qualifications to work in Germany. This visa lets you stay in Germany for six months and search for a suitable job.Finding a matching job within the six months allows you to apply for a work permit or a residence permit to stay and work in Germany. Germany is one of the most attractive destinations for skilled workers who want to pursue a career in Europe. The country offers a high standard of living, a strong economy, a diverse culture and a rich history. If you are a qualified professional who wants to work in Germany, you may be eligible for a job seeker visa. A job seeker visa is a type of long-term visa that allows you to stay in Germany for up to six months and look for a job that matches your qualifications. You cannot work during this period, but you can attend interviews and network with potential employers. If you find a suitable job within the six months, you can apply for a work permit or a residence permit to stay and work in Germany. In this article, we will explain: What are the requirements for a job seeker visa What are the documents you need to prepare How to apply for a job seeker visa How to find a job in Germany How to convert your German Job seeker visa and Apply for a Work Permit or a Residence Permit In our experience, IT and related areas don't tend to emphasize having German certification. However, if your area of interest requires you to know German such as marketing, medicine, consulting, etc. or work with German regulations you might need to have a language certification before you can apply. Requirements for a Job Seeker Visa According to the German residency act, section 20 , to apply for a job seeker visa, you need to meet certain requirements, such as: Having a recognized university degree or equivalent qualification in your field of expertise Having sufficient funds to cover your living expenses during your stay in Germany Having health insurance that covers your medical needs in Germany Having a clear criminal record and no security threats Having basic knowledge of German language (optional but recommended) Documents for a Job Seeker Visa You also need to prepare some documents to support your application, such as: A valid passport and two recent passport-sized photos A completed and signed application form A cover letter explaining your motivation and goals for seeking employment in Germany A detailed curriculum vitae (CV) highlighting your skills and qualifications Copies of your academic certificates and transcripts Proof of your work experience, such as reference letters, contracts or payslips Proof of your financial means, such as bank statements, sponsorship letters or blocked account confirmation Proof of your health insurance, such as policy documents or certificates Proof of your language proficiency, such as test results or certificates (if applicable) How to Apply for a Job Seeker Visa You need to submit your application and documents at the German embassy or consulate in your home country. You may also need to pay a visa fee and attend an interview. The processing time may vary depending on the workload and availability of the visa officers. You should apply at least three months before your intended date of departure. If your application is approved, you will receive a job seeker visa sticker on your passport. You can then travel to Germany and start looking for a job. How to Find a Job in Germany You should register your address at the local registration office (Einwohnermeldeamt) within two weeks of arrival. You should also contact the Federal Employment Agency (Bundesagentur für Arbeit) to get advice and assistance on finding a job. You can use various sources and methods to search for jobs in Germany, such as: Online job portals and websites, such as Make it in Germany , Indeed , Monster , LinkedIn , and Tech-Careers.de etc. Newspapers and magazines, such as Die Zeit , Frankfurter Allgemeine Zeitung , Süddeutsche Zeitung , etc. Professional associations and networks, such as VDI , VDE , BDI , etc. Career fairs and events, such as Jobmesse Deutschland , Expolingua Berlin , Jobvector Career Day , etc. Personal contacts and referrals, such as friends, relatives, colleagues, former employers, etc. You should prepare a professional and customised application for each job you apply for, consisting of: A cover letter that introduces yourself and explains why you are suitable for the job A CV that showcases your skills, qualifications and achievements Copies of your relevant certificates and references A portfolio or work samples (if applicable) You should also be ready to attend interviews and tests, either in person, by phone or online. You should dress appropriately, be punctual, be polite and confident, and answer the questions honestly and clearly. Can I work in Germany with a job seeker visa? When applying for a job-seeker visa in Germany, it's important to understand that the visa does not allow immediate employment. The primary purpose of the job-seeker visa is to provide individuals with the opportunity to actively search for suitable job opportunities in Germany. However, it does not grant the right to work during this initial period. Once an individual has successfully found adequate employment, their visa can be modified to a residence permit for employment in Germany. This means that they can transition from being a job seeker to being granted permission to work in the country. Adhering to this requirement ensures compliance with German immigration regulations, which prioritise having a valid employment offer before granting the authorisation to work. How to convert your German Job seeker visa and Apply for a Work Permit or a Residence Permit If you find a job that matches your qualifications within the six months, you need to apply for a work permit or a residence permit at the local immigration office (Ausländerbehörde). You may need to provide some additional documents, such as: A copy of your employment contract or offer letter A confirmation from the Federal Employment Agency that your job does not require priority check (Vorrangprüfung) or that you have passed it A proof of your salary and social security contributions A proof of your accommodation in Germany If your application is approved, you will receive a work permit or a residence permit card that allows you to stay and work in Germany. Depending on the type and duration of your permit, you may need to renew it periodically. Conclusion A job seeker visa is a great opportunity for skilled workers who want to explore the German labor market and find their dream job. However, it is not a guarantee that you will find employment in Germany. You should do thorough research on the job prospects and requirements in your field before applying for this visa. You should also be prepared to face some challenges and competition in finding a suitable job. If you are determined and qualified, you may be able to achieve your career goals in Germany.

Germany is a country that values security and stability. That’s why there are many types of insurance available to cover almost every risk you can think of. However, not all insurances are mandatory or necessary for expats living in Germany. In this article, we will give you an overview of the most important insurances in Germany for expats, and help you decide which ones you need and which ones you can skip. If you are planning to move to Germany, or if you already live there as an expat, you might be wondering what kind of insurance you need. Insurance is a very important topic in Germany, as there are many risks and liabilities that you might face in your everyday life. In our experience living in Germany from 2015, we've came across 8 essential insurances that expats in Germany must consider, from health insurance to personal liability insurance. We will also explain which ones are compulsory and which ones are optional, and how to find the best deals for your situation. Health Insurance MUST HAVE INSURANCE Health insurance (Krankenversicherung) is the most essential and compulsory insurance in Germany. You need to have health insurance to get a visa, a residence permit, or a job in Germany. There are two types of health insurance in Germany: public (gesetzliche) and private (private). Public health insurance covers most of the medical expenses and treatments in Germany, and it is funded by social security contributions from employers and employees. You are eligible for public health insurance if you work in Germany and earn less than €66,600 per year (as of 2023). You can choose from over 100 public health insurance providers, such as Techniker Krankenkasse (TK), AOK, or Barmer. Private health insurance offers more flexibility and options for medical services and doctors, but it is also more expensive and selective. You can opt for private health insurance if you earn more than €66,600 per year, or if you are self-employed, a freelancer, a student over 30 years old, or a civil servant. You can compare and choose from various private health insurance companies, such as Ottonova, Allianz, or AXA. If you are not sure which type of health insurance is best for you, you can consult an independent broker like MW Expat Solutions or use an online comparison tool like Tarifcheck to find the best deal. Personal Liability Insurance RECOMMENDED INSURANCE Personal liability insurance (Private Haftpflichtversicherung) is not mandatory, but it is highly recommended for expats living in Germany. This is because in Germany, you are legally liable for any damage or injury you cause to another person or their property, whether intentionally or accidentally. This can result in huge financial claims that can ruin your life. Personal liability insurance protects you from these claims by covering the legal and compensation costs up to a certain limit (usually between €5 million and €50 million). It also covers your family members, your pets, and your rented apartment. Personal liability insurance is very affordable, starting from €3 per month. You can find many English-speaking and digital providers online, such as Getsafe, or Feather. Car Insurance MUST HAVE INSURANCE Car insurance (KFZ-Versicherung) is mandatory if you own or drive a car in Germany. There are three types of car insurance in Germany: third-party liability (Haftpflicht), partial coverage (Teilkasko), and comprehensive coverage (Vollkasko). Third-party liability insurance covers the damage or injury you cause to other people or their property with your car. It is the minimum legal requirement for car owners in Germany. The cost of third-party liability insurance depends on various factors, such as your car model, your age, your driving experience, and your location. Partial coverage insurance covers the damage to your own car caused by natural disasters, theft, fire, vandalism, or collision with animals. It does not cover the damage caused by collision with other vehicles or objects. Partial coverage insurance is optional, but it is advisable if your car is relatively new or valuable. Comprehensive coverage insurance covers all the damage to your own car, regardless of the cause. It also includes partial coverage and third-party liability insurance. Comprehensive coverage insurance is optional, but it is recommended if your car is very new or expensive. You can compare and choose from different car insurance providers online, such as Check24, Verivox, or Tarifcheck. Other Insurances in Germany There are many other types of insurances in Germany that are optional for expats, but they might be useful depending on your situation and preferences. Here are some of them: Dental Insurance (Zahnzusatzversicherung) OPTIONAL INSURANCE Dental insurance in Germany covers the costs of dental treatments that are not fully covered by the public health insurance. In Germany, dental insurance can be useful for expats who want to have access to high-quality dental care and cosmetic dentistry. For example, if you need braces, implants, crowns, or veneers, dental insurance can help you pay for them. Dental insurance is not compulsory in Germany, but it is beneficial for expats who care about their oral health and appearance. Legal Insurance (Rechtschutzversicherung) RECOMMENDED INSURANCE Legal insurance covers the costs of legal disputes, such as lawyer fees, court fees, and compensation claims. Legal insurance can be useful for expats who face legal issues related to their work, housing, family, or traffic in Germany. For example, if you have a conflict with your landlord or employer, or if you are involved in a car accident, legal insurance can help you defend your rights and interests. Legal insurance is not compulsory in Germany, but it is highly recommended for expats who want to avoid high legal expenses and stress. Bicycle Insurance (Fahrradversicherung) OPTIONAL INSURANCE Bicycle insurance in Germany covers the damage or theft of your bicycle. Bicycle insurance can be useful for expats who use their bikes as a main mode of transportation or as a hobby. For example, if your bike is stolen or damaged by vandalism or an accident in Germany, bicycle insurance can help you repair or replace it. Bicycle insurance is not compulsory in Germany, but it is advisable for expats who own expensive or custom-made bikes. Income Protection Insurance (Berufsunfähigkeitsversicherung) OPTIONAL INSURANCE Income protection insurance covers the loss of income due to illness or disability that prevents you from working. In Germany, income protection insurance can be useful for expats who depend only on their salary to maintain their lifestyle and obligations. For example, if you suffer from a chronic disease, a mental disorder, or a physical impairment that makes you unable to work, income protection insurance can help you replace your lost income until you recover or retire. Income protection insurance is not compulsory in Germany, but it is essential for expats who want to protect their livelihood and their family’s stability. Term Life Insurance (Risiko-Lebensversicherung) RECOMMENDED INSURANCE Term life insurance pays out a sum of money to your beneficiaries in case of your death within a specified period of time. In Germany, term life insurance can be useful for expats who have dependents or debts that they want to take care of after they pass away. For example, if you have children, a spouse, or a mortgage that you want to support or pay off in case of your death, term life insurance can help you provide them with financial security and peace of mind. Term life insurance is not compulsory in Germany, but it is recommended for expats who want to leave behind a legacy and a safety net for their loved ones. Conclusion Insurance in Germany can be confusing and overwhelming for expats, but it is also important and beneficial. By knowing the types of insurances in Germany and choosing the ones that suit your needs and budget, you can protect yourself and your future in Germany.

If you have a masters or bachelors degree in education, and you wish to relocate to Germany, then this might be the right time for you. With a growing demand for qualified teachers and an ageing population, Germany offers a promising environment for foreign teachers with great qualifications. Germany faces a shortage of teachers, particularly in certain subject areas like maths, science, technology and foreign languages, and at international schools. This presents a strong demand for qualified candidates with a Masters or Bachelor's degree in Education. How to become a teacher in Germany Teaching in Germany can be a rewarding career path compared to many other countries. The German education system is highly regarded for its quality and rigour, and teachers in Germany are well-respected members of the community. If you are considering a career in teaching in Germany, this article will provide you with a general overview of the steps involved in becoming a qualified teacher in the country. Step by step process to become a teacher in Germany Teaching is a regulated profession in Germany. Which means that anyone who wishes to teach in schools in Germany must have specific qualifications that are recognized by the German government. The process of having the qualifications recognized is called the Anerkennungsverfahren (Recog­ni­tion pro­ce­dure). If you studied in Germany and acquired your teaching qualification in Germany, then you can directly apply for any relevant job openings in the country. No need for any additional recognition. If you’ve completed a state-certified qualification or a state-recognised teaching degree outside of Germany, then you can directly apply for a recognition in anerkennung in deutschland - the official recognition portal. If you learned your profession abroad or studied abroad at an institute of higher education or a university, and you’ve successfully completed your degree, but your qualification is not recognised in Germany, then you need to apply for a recognition in the official recognition portal. If you are not sure about the process or you need additional information and support, you also have the possibility to seek free personal guidance. The counselling centre can provide you with support throughout the recognition process. They help you gather the necessary documents and guide you through the application process. Once you've gathered all the documents, you can submit it to the competent authority, which will assess your professional qualification and determine its equivalence to German standards. Alternatively, you can also reach out to them via phone. Requirements for recognition The first step of the recognition of your degree in Germany is to decide in which location or the competent authority to apply. Even though the process, and the documentation for different people will vary depending on the type of the qualification, nationality, residency status in Germany, and where the degree was acquired, in general the following applies. A teaching degree including at least two subjects. The degree consists of a bachelor's degree and a master's degree (First State Examination). Practical pedagogical training. This training concludes with the Second State Examination. The practical training is also referred to as teaching practice (Vorbereitungsdienst, Referendariat). To work as a teacher, you usually need to provide evidence of your knowledge of German, personal aptitude and medical fitness. Your employer will check personal aptitude and medical fitness upon your appointment at the latest. German proficiency To work as a teacher in Germany, you need to have a good command of the German language at least at level C2 of the Common European Reference Framework for languages. However, you are not required to provide a language certificate when applying. You only need to provide evidence of knowledge of German during the recognition process or when being appointed as a teacher. If you are applying for the recognition in Berlin, the Berlin Senate Department offers a free language examination twice a year. You can apply when you have the detailed notice. Duration of the recognition process Around one month after receiving your application, the responsible authority will acknowledge the receipt of your documents. If your application is missing any supporting documents, they will let you know and help you with submitting it. Once all necessary documents are provided, the procedure officially starts. You should receive a decision within three months at the latest. In some situations, the responsible authority might extend the process. Costs for recognition of your teaching degree The recognition procedure typically costs around €200. However, there may be additional costs for services such as document translations and certifications. You can request an abbreviated notice (Kurzbescheid) for a reduced fee of €55. This is a preliminary assessment of your qualification, and you will still need to complete the full recognition procedure if you wish to obtain a full recognition certificate. Since the recognition process requires financial resources and it might be expensive for some people, there are options for financial assistance to help offset these costs. You can apply for partial or full reimbursement through various funding programs. Additionally, support is available for training courses that may be required to bridge any gaps between your qualifications and German standards. Documents required for the recognition process Even though the list of required documents will vary for different people, the below list will provide you an overview. Application form Proof of identity (e.g. passport or personal identification) Curriculum vitae A cover letter or Intention to start work Evidence of your professional qualification (e.g. certificates, certificate of entitlement) Evidence of your professional experience if any (e.g. employment references) Evidence of your other qualifications (e.g. continuing vocational training, seminars) Evidence of school leaving certificate Evidence of your knowledge of German Evidence of your personal aptitude: written declaration or certificate of good conduct from Germany or your country of origin (e.g. criminal record extract, certificate of good standing) Evidence of your medical fitness: written declaration or doctor's certificate and proof of your measles protection Additionally, the competent authority will guide you on whether to submit original documents or certified copies. Some copies may require official certification. All submitted documents must be translated into German by sworn or authorised translators. Result of the recognition process After completing the procedure, you’ll receive a notice from the competent authority. It will contain the result of your recognition procedure application. In the case of full recognition, the notice will contain an authorisation / licence to practise teaching in Germany and the certificate of state recognition. With full recognition, you can apply for open teaching positions in Germany and start working immediately. If your degree is only partially recognized (foreign professional qualification that is not fully equivalent to the corresponding German qualification), the competent authority will identify the substantial differences between the two qualifications and specify measures that you can take to bridge those gaps. These measures may include: Complementary training: This involves additional training courses or modules to address specific areas of knowledge or skills that are lacking in the applicant's foreign qualification. Compensatory measures: This entails passing additional aptitude or knowledge tests to demonstrate proficiency in certain aspects of the profession. Adaptation of practice: This involves adjustments to the applicant's professional practice to ensure that it aligns with German standards and regulations. Once you complete the specified measures, you can apply for a follow-up recognition procedure to assess whether your qualifications are now fully recognized in Germany. If you received a "no recognition", it means that your foreign professional qualification is not considered equivalent to the corresponding German qualification. This means that you cannot work in the profession in Germany without obtaining additional training or qualifications. There are several reasons why a foreign qualification may not be recognized in Germany. These includes: Significant differences in the content or duration of the education or training: If the foreign qualification is significantly different from the German qualification in terms of the subjects covered, the depth of knowledge required, or the length of training, it may not be considered equivalent. Variations in the assessment methods: If the assessment methods used to evaluate the foreign qualification differ from those used in Germany, there may be discrepancies in the level of proficiency demonstrated. Differing legal or regulatory requirements: If the legal or regulatory framework governing the profession is different in the applicant's home country and Germany, it may not be possible to directly apply the foreign qualification. German language proficiency to become a teacher in Germany To become a teacher in Germany, you must have a high level of proficiency in the German language. The specific language requirements vary depending on the type of teaching qualification and the educational level at which you wish to teach. However, in general, you will need to have a minimum level of C1 German language proficiency as assessed by the Common European Framework of Reference for Languages (CEFR). Is it possible to work in Germany as a teacher without recognition? In general, it is not possible to work as a teacher in Germany without recognition of your foreign teaching qualification. This is because teaching is a regulated profession in Germany, and all teachers are required to have a recognized qualification. However, there are a few exceptions to this rule. For example, you may be able to work as a teacher at a private school that does not require its teachers to have a recognized qualification. However, you will still need to have a high level of German language proficiency, and you may not be able to teach all subjects. Additionally, you may also be able to work as a substitute teacher in some regions in Germany without the recognition. For instance, in Berlin you may be able to work in schools as cover for a teacher. In most cases this is only possible if another teacher is absent at a school. This means, there is a staff shortage at school. In this case, you must have studied the relevant teaching subject. Where to find teacher job openings in Germany Like any other job, teaching positions are also listed on most German job portals. However, since it is a regulated profession, most of the job openings are listed on the official portal The German Federal Employment Agency (Bundesagentur für Arbeit). Other job boards also list many job openings. LinkedIn | Teacher jobs Teacher job openings | Stepstone German Teacher Jobs | Xing School Teacher Jobs in Germany | Glassdoor Frankfurt International School | FIS Munich International School | MIS Teacher’s salary in Germany The amount a teacher earns in Germany can change based on a few things. Like what kind of school they teach at, the level they teach, the subject, the federal state they work in, etc. can affect the salary. As per academics.com, a new teacher in Germany might make around €30,000 every year. But as they get more experience, this amount can go up to about €55,000 yearly for teachers who've been working for a while. As per payscale.com, the average high school teacher salary is around €45000 per year. However, how much teachers get paid can differ a lot between the different states in Germany. Some states pay more than others. For example, a high school teacher in Bavaria might earn €50,256 each year, while a high school teacher in Berlin might earn €44,985 annually. On top of their salary, teachers at state schools also get other benefits like health insurance, retirement plans, and extra pay for holidays. What are the challenges for expats to become a teacher in Germany? Teaching in Germany can be really fulfilling for foreigners, bringing a lot of satisfaction. But for international teachers, there can also be some tough parts to navigate along the way. Language proficiency: Fluency in German is essential for teaching in German schools. While some schools may accept applications from teachers with intermediate German skills, fluency is generally required to effectively communicate with students, parents, and colleagues. Cultural adaptation: Germany has a rich cultural heritage and its own set of customs and traditions. International teachers will need to adapt to this new environment and learn to navigate the social norms. This can be challenging, especially for those who are not familiar with German culture. Bureaucratic procedures: The German education system is highly regulated, and the process of becoming a teacher can be quite complex. International teachers will need to navigate a number of bureaucratic procedures, including the Anerkennungsverfahren that we talked about ago. Job search: Finding a teaching job in Germany can be competitive, especially for those who do not speak German fluently. International teachers will need to network with other teachers, attend job fairs, and submit applications to a variety of schools. Salary and benefits: While salaries for teachers in Germany are generally competitive, the cost of living can also be high. International teachers will need to factor in these costs when deciding whether to teach in Germany. Professional development: The German education system encourages teachers to participate in ongoing professional development activities. International teachers will need to stay up-to-date on the latest pedagogical trends in order to be successful in their careers. Conclusion Teaching in Germany as a foreigner has its rewards and challenges. It involves overcoming language barriers, adjusting to a new culture, navigating bureaucracy, and competing for jobs. Balancing living costs with good salaries and focusing on professional growth is crucial. Despite the hurdles, teaching in Germany offers fulfilling opportunities for personal development and contributing to its diverse education system. Frequently asked questions

The IT sector in Germany is one of the fastest-growing industries, with a high demand for skilled professionals. While having a degree in computer science or related fields is always a plus, it is not always a requirement for certain IT jobs in Germany. Instead, employers often look for candidates with a specific set of skills and experience that match their job requirements. It is in fact not necessary to have a recognized degree in order to work in the IT sector in Germany if you have worked in the IT sector elsewhere for at least three years within the last seven years. All you need is a job offer in Germany with a salary of at least 50,760 EUR gross (before taxes). Is it necessary for you to learn German before you can work in Germany? Perhaps you are thinking wrong! How to get a German residence permit? Once you have an offer from a local company in Germany, you may need a German work visa and a residence permit depending on where you are from and how long you intend to stay. Germany offers different types of work permits, most of which are available to those who have found a job here. Documents required for German residence permit: Application form filled out online Your passport Biometric passport photo Job offer with the salary information German language certificate. Proof of previous IT-related experience Be sure to check the official website of the German Embassy or Consulate General in your country of residence for additional requirements. Once you have all documents ready, book an appointment in the German consulate. You must submit your application along with supporting documentation on the date of your appointment. Upon verification, the German consulate will make a decision regarding your application. Upon approval of your application, you will be granted a visa for working in Germany. As soon as you arrive in Germany, you should register at the local citizens office and apply for a long-term residence permit at your local foreigners office.

In Germany, there are two types of unemployment benefits: Unemployment Benefit I for those who have contributed to the social security system and Unemployment Benefit II for those in need of financial support. Understanding the eligibility criteria and application process for each benefit is crucial for those experiencing job loss. Both benefits play a vital role in providing temporary financial assistance to individuals during their job search. Anybody could become jobless at any point in time due to any reason. However in Germany, you are covered if you become unemployed. Germany offers two types of unemployment benefits; unemployment benefit I (Arbeitslosengeld I / ALG 1) and unemployment benefit II (Arbeitslosengeld II / ALG 2). Depending on your individual situation, you can decide which one to apply to. In This Guide Arbeitslosengeld I (Unemployment benefit I) When you are entitled to unemployment benefit Entitlement in special cases How much unemployment benefit do I get? Unemployment benefit calculator How long you will receive unemployment benefits Duration of receipt for unemployed persons up to 50 years Duration of receipt for unemployed persons aged 50 and over Duration of receipt for fixed-term employment How to apply for unemployment benefit I Register at ArbeitsAmt Documents required to register Fill out and submit the application Hartz IV (Unemployment benefit II) Unemployment benefit II: payment and duration How to apply for unemployment benefit II Register at your local Jobcentre Fill out and submit your application for Unemployment Benefit II Arbeitslosengeld I (Unemployment benefit I) Unemployment benefit I is financed by unemployment insurance. Id at all or how long you receive the unemployment benefit usually depends on how long you have contributed to the unemployment insurance; compulsorily or voluntarily. In general, you are insured for unemployment insurance as an employee. However, people who do mini jobs (up to 450€ PM ) and self-employed can voluntarily insure themselves. In Germany, there have always been more people receiving unemployment benefits than income support. As per Statista, in July 2023, there were about 3.93 million people receiving unemployment benefits, while only 1.57 million people received income support. Moreover, the number of people receiving unemployment benefits has been increasing steadily. Between May and June 2022, the number of recipients grew by around 200,000 people. When you are entitled to unemployment benefit Entitlement to unemployment benefit is essentially subject to the following conditions: You meet the qualifying period. This usually means that you were employed for at least 12 months within the last 30 months before registering as unemployed (several occupations can be added together). You are registered as unemployed at your local employment agency (Arbeitsamt). You are not employed, but you can take up employment which is subject to compulsory insurance (at least 15 hours per week). You are looking for employment which is subject to compulsory insurance and work together and registered at the Employment Agency (Arbeitsamt). To avail the unemployment benefits, you must have a valid settlement permit or temporary residence permit in Germany. Entitlement in special cases In addition to the employment which is subject to compulsory insurance, there are other points that can be included for the entitlement to the unemployment benefit. For instance: You are voluntarily on unemployment insurance, for example during self-employment. You have raised a child (up to the age of 3). You have received Krankengeld (Sickness benefit). In these cases, too, you must have contributed to the unemployment insurance for a duration of at least 12 months within the last 30 months before registering as unemployed. If you have often been employed on a fixed-term basis, a shorter qualifying period applies under certain conditions: then at least 6 months of employment subject to compulsory insurance contribution in the 30 months prior to the registration as unemployed would be sufficient. How much unemployment benefit do I get? Here’s a simplified explanation of how the unemployment benefit is calculated. The calculation is based on your gross salary of the past 12 months. This amount is divided by the number of days of a year, i.e. 365. The result is your gross salary per day. From this, the wage tax, the solidarity surcharge and a lump sum for social security of 20 percent are deducted. (These deductions are for calculation purposes only and are not actually paid.) The result is your net salary per day. 60 percent of this net salary is the amount you receive as unemployment benefit per day. It increases to 67 percent if you or your spouse/partner have one or more children. Unemployment benefit calculator Calculate the amount of unemployment benefit individually with the unemployment benefit calculator of the Federal Employment Agency (ArbeitsAmt). To do this, you first select the year in which the claim arises or has arisen, for example 2020. How long you will receive unemployment benefits The duration for which you receive unemployment benefit depends on 2 factors: How long have you contributed to compulsory insurance, for example in the form of employment with contribution to the compulsory unemployment insurance. How old are you.. As a rule, the periods subject to compulsory insurance must be within the past 5 years. Different jobs can be added together. Duration of receipt for unemployed persons up to 50 years If you are under the age of 50, you can receive unemployment benefits for a maximum period of 12 months – provided you have previously contributed to compulsory insurance for 24 months or more. If you have contributed to compulsory insurance for the minimum period of 12 months, you can receive unemployment benefit for up to 6 months. Duration of receipt for unemployed persons aged 50 and over From the age of 50, the duration of the subscription increases in several steps to up to 24 months. This maximum duration applies to unemployed persons who are 58 years of age or older. As a prerequisite, you have contributed to compulsory insurance for 48 months or more. Duration of receipt for fixed-term employment If you meet the requirements for the shorter qualifying period, the following applies: For example, if you have 8 months contributions to the compulsory insurance, you can receive up to 4 months of unemployment benefit. How to apply for unemployment benefit I If you wish to apply for unemployment benefits, follow the below procedure as soon as possible to get the unemployment benefits without delay. Register at ArbeitsAmt Register in arbeitsagentur.de as soon as you resign. You need to register at least three months before the end of your employment contract. If you become unemployed unexpectedly, you need to register within three days of receiving the official confirmation from your employer. You can also reach out to their toll free number 0800 4 5555 00 or walk into the office and register in person. Please note that the officials may not always speak English. Therefore, it's better to bring a translator with you when you go there. Documents required to register You may bring the following documents with you: Valid passport Your Registration certificate (Anmeldebescheinigung) Your residence permit Relieving letter from your employer A resume Fill out and submit the application You get the application form at ArbeitsAmt during your appointment. You already download and fill out the form from arbeitsagentur.de before you go. Alternatively, you can do this online at the arbeitsagentur.de In two to three weeks, you will get a letter by post on the decision on your application. You may be invited for a meeting with a counsellor at arbeitsamt. The counselor will inform you further about the processes, aspects and expectations about the program. Hartz IV (Unemployment benefit II) Hartz IV / is the colloquial term for unemployment benefit II. This benefit of the Federal Employment Agency serves to secure your livelihood. Unemployment benefit II is intended to guarantee a dignified life. You can receive unemployment benefit II if You are able to work at least 3 hours a day, You are at least 15 years old and have not yet reached the statutory retirement age, You have your habitual residence in Germany You cannot or not sufficiently secure your livelihood (and that of your family) yourself or You live with an employable person entitled to benefits in a community of need. Unemployment benefit II is only paid to persons in need of assistance. Therefore, they must first use their own funds before receiving financial aid. If you have income or assets, you must first secure your livelihood if allowances are exceeded. You may receive the Sozialgeld (social benefits) if you are not capable of earning due to any health or other reasons, but if you live in a joint household with someone who is entitled to the unemployment benefit II. Unemployment benefit II: payment and duration Unemployment benefit II is usually granted for 12 months. However, unemployment benefit II is only granted for 6 months under certain conditions. If your income fluctuates, If you are self-employed or If the cost of your accommodation and its heating is unreasonable. The normal requirement globally covers the costs of food, clothing, household energy (without heating and warm water generation), personal hygiene, household effects, needs of everyday life, as well as to a reasonable extent also relates to the environment and participation in cultural life. Singles, single parents, as well as adults with a minor partner are entitled to the full amount of normal requirement. Since 1 January 2016, this is EUR 404 for all of Germany. The normal requirement for adult partners is EUR 364. Children younger than 6 years receive EUR 237. Between 6 and including 13 years of age this is EUR 270. Children and young persons between 14 and 17 years receive EUR 306. For young adults from 15 years on and below 25 years who live with their parents or who moved without the positive assertion of the municipal authority, this is EUR 324. Young adults who are 25 years and older must file their own application for (ALG II), regardless of the fact whether they live in their own flat or with their parents. Persons living in their own household form a separate benefit community (BG) if they are at least 15 years old. The official portal of arbeitsagentur has documented the concept well in detail. How to apply for unemployment benefit II Unemployment benefit II is only granted when you use up all other benefits such as Child benefits, Housing benefits, Parental allowance etc. If you cannot meet your basic living needs even after using all the other benefits, you may apply for the unemployment benefit II Register at your local Jobcentre You have to visit your local Jobcenter in person and register. Documents required to register at the local Jobcenter Valid passport Social security ID (Sozialversicherungsnummer / ID) Your residence permit (if required) During your appointment, the counselor who’s attending you will discuss your individual situation and detail the processes and features about the program. Fill out and submit your application for Unemployment Benefit II Your counselor will provide you with the relevant forms and documentation at your initial appointment. You may also apply online on the official arbeitsagentur portal. Please note that you may have to provide additional documents such as bank statements or salary slips, etc. Once the application is submitted, the agency will consider it at the earliest chance. You will receive a notification by post if you are eligible to receive the benefit. The notification will include the schedule of payments as well as the immediate next steps you need to do; such as applying for jobs, taking training, etc.

Temporary rentals provide a degree of versatility that conventional apartments cannot offer. Initially relocating to a foreign country may make it challenging to determine the ideal housing requirements. Choosing a temporary apartment enables individuals to have the liberty of exploring diverse housing alternatives before committing to a long-term lease. Moving to Germany can be an incredible adventure, but it can also be overwhelming. It can take time to adjust to a new country, culture, and way of life. One of the biggest challenges is finding the right place to live. Many people overlook the option of temporary rentals when they first move to Germany. Short term rentals offer flexible lease terms Temporary rentals offer a level of flexibility that traditional apartments simply can't match. When you first move to a new country, you may not know exactly what you're looking for in terms of housing. By renting a temporary apartment, you have the freedom to explore different options before committing to a long-term lease. Temporary rentals also offer flexibility in terms of lease length. If you're not sure how long you'll be staying in Germany, or if you don't want to commit to a long-term lease, a temporary rental can be a great alternative. You can rent for as little as a month or as long as a year, which gives you plenty of time to figure out your next steps. In Germany, temporary rentals are more affordable than other alternatives Temporary rentals in Germany can offer you a significant cost saving. Many temporary rentals come fully furnished and include utilities, which means you don't have to worry about buying furniture, kitchen appliances, or paying extra bills in your initial days. It also often have lower up-front costs. Most traditional apartments require a security deposit and the first and last month's rent up-front. With temporary rentals, you may only need to pay a small deposit or even no deposit at all. This can be a big relief when you're just starting out and trying to manage your finances. Temporary rentals let you live your life uninterrupted When you move to a new place, one of the biggest challenges is finding reliable, comfortable housing. Many people overlook temporary rentals as an option and opt for hotels or other short-term accommodations. However, temporary rentals offer many advantages that make them a great choice when moving to a new country. One of the biggest benefits of temporary rentals is that they usually come with everything you need to continue your normal daily life uninterrupted. Most temporary apartments are fully furnished and come equipped with all the necessary kitchen appliances, wardrobes, and other furniture, as well as access to the internet and other amenities. This means you don't have to worry about buying furniture or living out of suitcases until you find your ideal long-term rental. In addition, some temporary rental companies even offer additional services such as cleaning services or pet sitting. This can help make the transition to German life smoother and provide peace of mind knowing that you're taken care of during your first few weeks in a new country. They give you time to choose the right neighborhood When moving to a new city or country, you might not know exactly which neighborhood would be best for you. This is especially true if you've never been to the place before. By choosing to live in a temporary rental, you can give yourself time to explore different neighborhoods and get a feel for what each one has to offer. You can spend time walking around, checking out local shops and restaurants, and talking to locals to get a sense of what it's like to live in that area. This is a great way to help you make an informed decision on where to settle in more permanently. Plus, you won't be locked into a long-term lease in a neighborhood you end up not liking. Overall, choosing a temporary rental when moving to a new place can give you the flexibility and freedom to make the right decision on where to live. It can take the pressure off and allow you to fully explore your new home before settling in for the long haul. They allow you to start the Anmeldung process sooner One thing that is very important to know when moving to Germany is the process of Anmeldung. This is the process of registering your address with the government, and it is legally required if you plan to stay in Germany for three months or longer. Anmeldung is important because it affects your ability to do things like opening a bank account, enrolling in healthcare, or getting a residence permit. When you first move to Germany and start looking for a place to live, many landlords of temporary rentals understand the situation and will allow you to use their address for Anmeldung registration. This is because they know you won't be living there long-term and that Anmeldung can be a tricky process when you first arrive in Germany. You can use Homelike’s online rental agreements for the Anmeldung process. Registering for Anmeldung is simple and involves filling out a form at your local registration office (Einwohnermeldeamt). You'll need to bring your passport or ID, your rental agreement, and a copy of your landlord's ID or passport. You may also need to bring proof of your health insurance and your tax identification number. In short, doing Anmeldung is very important for anyone planning on staying in Germany for three months or more. Just be sure to get your appointment and take all the necessary documents to the registration office. With Anmeldung under your belt, you'll be able to fully enjoy all that Germany has to offer. How to find short term rentals in Germany? Finding a temporary rental in Germany can be a daunting task, but there are many options available. One of the best options is Homelike, a platform that connects you with temporary rentals of all kinds. Homelike offers thousands of fully equipped apartments, from studio apartments to larger family-friendly options. The process is simple: just enter your desired location and length of stay, and Homelike will give you a list of available properties. You can filter your results by price, location, and amenities to find the perfect temporary home. Homelike also offers virtual tours of many properties, so you can see exactly what you're getting before you book. Homelike is a great option because it offers both flexibility and convenience. With properties all over Germany, you can find a temporary rental that meets your specific needs. Plus, Homelike allows you to book and pay for your rental online, so you don't have to worry about dealing with currency conversions or navigating foreign banking systems. So why not explore the many temporary rental options on Homelike and find your perfect home away from home in Germany? In short, choosing a temporary rental when you first move to Germany can offer many benefits as you’ve seen above. It makes your move stress-free and enjoyable. If you're considering moving to Germany, be sure to explore the option of a temporary rental as your first step towards your new life in this amazing country. Hypofriend’s mortgage calculator Well, buying a home, especially in a country like Germany, especially when you first move here, might seem like a distant dream. However, if you plan to rent a place with an above-average rent, it might be a good idea to consider mortgages. For instance, below is a breakdown that Hypofriend provided me for buying a property in Munich. This information has helped me a lot in deciding whether to continue renting or think about settling into my own property in Germany. So, in my opinion, it's better to give Hypofriend’s Mortgage Calculator a try if you are looking to rent a property with above-average rent.

If you are a skilled worker and is a non-EU citizen, then you have the opportunity to get a work permit in Germany if there's a local company that can give you an offer letter. This work permit will let you live and work in Germany for a specified period of time, with the possibility of extending it in the future. If a non-EU citizen is a skilled worker and has a job offer from a local company in Germany, they have the chance to acquire a work permit. This permit enables them to live and work in Germany for a set time period, which can potentially be extended. Can a German company sponsor my application for a work permit? There is no such thing as "visa sponsorship" in Germany. You can apply for a work permit in your local German consulate or embassy if a company in Germany is willing to offer you a job contract. Comparatively to other developed countries, Germany offers a faster and easier way to obtain a work permit and migrate. Scammers may contact you very convincingly and claim they can help you get a job sponsorship in Germany! It is important to be aware of such emails and phone calls and to never respond to them. How can I find a job in Germany? In short, you should check LinkedIn or Xing and apply for positions that match your qualifications and experience. It is likely that the recruiter will offer you the position after the (several) interviews if they believe that you are a competitive candidate. Upon receiving the job offer, you can follow the German work permit application procedures and apply for a German work visa and work permit based on your nationality and where you reside.

Are you an expat working in Germany or with a German contract and expecting a baby? You might be curious about your entitlements and obligations regarding maternity leave. In Germany, maternity leave or Mutterschutz is a legal protection that safeguards the health and welfare of pregnant and nursing women and their babies. If you are pregnant and working in Germany, or have a German contract abroad, you may be wondering about your rights and benefits regarding maternity leave. Maternity leave, also known as Mutterschutz, is a legal protection for pregnant and nursing women in Germany that aims to ensure their health and well-being during and after pregnancy. In this article, we will explain the main aspects of maternity leave in Germany, such as: How long is maternity leave in Germany and who is eligible for it? How much money will you receive during maternity leave in Germany and who will pay for it? How and when should you inform your employer of your pregnancy in Germany? Can you extend or split your maternity leave in Germany? How does maternity leave in Germany compare with other countries? How long is maternity leave in Germany and who is eligible for it? Maternity leave in Germany consists of two periods: the protection period before childbirth (Schutzfrist vor der Entbindung) and the protection period after childbirth (Schutzfrist nach der Entbindung). The protection period before childbirth starts six weeks before the expected date of delivery and ends on the day of delivery. The protection period after childbirth starts on the day of delivery and lasts eight weeks, or 12 weeks in case of premature or multiple births. During these periods, you are not allowed to work unless you explicitly consent to do so. However, you can revoke your consent at any time. Maternity leave in Germany applies to all women who work in Germany or have a German contract abroad, regardless of their nationality, employment status, or income level. This includes employees, civil servants, freelancers, self-employed, trainees, students, and interns. However, there are some exceptions for certain groups of women, such as those who work in agriculture, family businesses, or domestic services. You can check with your employer or the Federal Ministry of Family Affairs, Senior Citizens, Women and Youth (BMFSFJ) if you are unsure whether you are eligible for maternity leave in Germany. How much money will you receive during maternity leave in Germany and who will pay for it? During maternity leave in Germany, you are entitled to receive maternity benefit (Mutterschaftsgeld), which is a financial compensation for your loss of income due to pregnancy and childbirth. The amount of maternity benefit depends on your average net income in the three months before the start of the protection period before childbirth. The maximum amount of maternity benefit is 13 euros per calendar day. The maternity benefit is paid by two sources: your health insurance provider (Krankenkasse) and your employer (Arbeitgeber). Your health insurance provider pays the basic amount of maternity benefit, which is equal to your average net income per calendar day. Your employer pays the difference between the basic amount and the maximum amount of 13 euros per calendar day. This means that if your average net income per calendar day is less than 13 euros, you will only receive the basic amount from your health insurance provider. If your average net income per calendar day is more than 13 euros, you will receive the basic amount from your health insurance provider and the difference from your employer. The maternity benefit is paid for the entire duration of the protection periods before and after childbirth, which is usually 14 weeks in total. However, if you give birth earlier than expected, the unused days from the protection period before childbirth are added to the protection period after childbirth. For example, if you give birth four weeks before the expected date of delivery, you will receive maternity benefit for 18 weeks instead of 14 weeks. In short : The amount of maternity benefit in Germany depends on your average net income in the three months before the start of the protection period before childbirth. The maximum amount of maternity benefit is 13 euros per calendar day. The maternity benefit is paid by two sources: your health insurance provider (Krankenkasse) and your employer (Arbeitgeber). Your health insurance provider pays the basic amount of maternity benefit, which is equal to your average net income per calendar day. Your employer pays the difference between the basic amount and the maximum amount of 13 euros per calendar day. The maternity benefit is paid for the entire duration of the protection periods before and after childbirth, which is usually 14 weeks in total. However, if you give birth earlier than expected, the unused days from the protection period before childbirth are added to the protection period after childbirth. How and when should you inform your employer of your pregnancy in Germany? As soon as you find out that you are pregnant, you should inform your employer of your pregnancy and the expected date of delivery in writing. You should also provide a medical certificate (Bescheinigung über den mutmaßlichen Tag der Entbindung) from your doctor or midwife that confirms your pregnancy and the expected date of delivery. This will allow your employer to plan ahead and apply for reimbursement from the Federal Insurance Office (Bundesversicherungsamt) for the maternity benefit they have to pay you. By informing your employer of your pregnancy, you will also benefit from job protection (Kündigungsschutz), which means that your employer cannot terminate your employment contract from the beginning of your pregnancy until four months after childbirth. However, there are some exceptions to this rule, such as if your employer goes bankrupt or if you commit a serious breach of contract. You can consult with a lawyer or a trade union if you face any problems with your employer regarding your pregnancy or maternity leave. Remember : Inform your employer as soon as you discover your pregnancy in writing. Provide a medical certificate from your doctor or midwife confirming your pregnancy and expected delivery date. Employers use this information to plan and apply for reimbursement from the Federal Insurance Office for maternity benefits. Informing your employer grants you job protection (Kündigungsschutz) from the start of pregnancy until four months after childbirth. You can seek legal or trade union advice if you encounter issues with your employer during pregnancy or maternity leave. Can you extend or split your maternity leave in Germany? After the end of the protection period after childbirth, which is usually eight weeks or 12 weeks in case of premature or multiple births, you can choose to extend or split your maternity leave in Germany. This is possible through parental leave (Elternzeit) and parental allowance (Elterngeld), which are separate from maternity leave and maternity benefit. Parental leave is a period of unpaid leave that allows you to take care of your child until they turn three years old. You can take parental leave for up to three years per child, either alone or together with your partner. You can also split your parental leave into up to three blocks, as long as you inform your employer at least seven weeks in advance. During parental leave, you have job protection and can work part-time for up to 30 hours per week. Parental allowance is a financial support that replaces part of your income during parental leave. The amount of parental allowance depends on your previous income and the number of hours you work during parental leave. The basic parental allowance (Basiselterngeld) is paid for up to 12 months per parent, or 14 months if both parents share the parental leave. The basic parental allowance ranges from 300 euros to 1800 euros per month, depending on your previous income. The plus parental allowance (ElterngeldPlus) is paid for up to 24 months per parent, or 28 months if both parents share the parental leave. The plus parental allowance is half of the basic parental allowance, but it can be combined with part-time work. There are also additional benefits for parents of twins, multiple births, or children with disabilities. In short : Parental leave in Germany After the protection period after childbirth, you can take up to 3 years of unpaid parental leave per child. You can take parental leave alone or together with your partner. You can split your parental leave into up to 3 blocks. During parental leave, you have job protection and can work part-time for up to 30 hours per week. Parental allowance in Germany Parental allowance is a financial support that replaces part of your income during parental leave. The amount of parental allowance depends on your previous income and the number of hours you work during parental leave. The basic parental allowance (Basiselterngeld) is paid for up to 12 months per parent, or 14 months if both parents share the parental leave. The basic parental allowance ranges from 300 euros to 1800 euros per month, depending on your previous income. The plus parental allowance (ElterngeldPlus) is paid for up to 24 months per parent, or 28 months if both parents share the parental leave. The plus parental allowance is half of the basic parental allowance, but it can be combined with part-time work. There are also additional benefits for parents of twins, multiple births, or children with disabilities. How does maternity leave in Germany compare with other countries? Maternity leave in Germany is one of the most generous and flexible in the world. Compared with other countries, Germany offers a longer period of paid maternity leave, a higher amount of maternity benefit, and more options for extending or splitting the maternity leave. For example, according to the International Labour Organization (ILO), the average duration of paid maternity leave in the world is 12 weeks, while in Germany it is 14 weeks or more. The average amount of maternity benefit in the world is 53% of the previous earnings, while in Germany it is 100%. The average duration of parental leave in the world is 18 weeks, while in Germany it is up to three years. However, maternity leave in Germany also has some challenges and drawbacks. For instance, some women may face discrimination or difficulties in returning to work after maternity leave, especially if they work in male-dominated or competitive sectors. Some women may also experience a loss of career opportunities or income due to taking a long period of maternity or parental leave. Moreover, some women may not be able to afford taking maternity or parental leave if they have a low income or no health insurance. A Real-World Example of Maternity and Parental Leave in Germany We hope you'll be able to better understand and relate the below story with your current situation. Imagine, Anna is a software engineer who works for a German company in Berlin. She is pregnant with her first child and wants to take maternity leave. She informs her employer of her pregnancy and the expected date of delivery, which is June 15, 2023. She also provides a doctor’s certificate to confirm this information. Anna decides to work until May 1, 2023, which is six weeks before her due date. She is legally allowed to do so, as long as she does not have any health problems or complications. She also has the right to work part-time or reduce her working hours during this period, if she wishes. On May 1, 2023, Anna starts her maternity leave. She will receive 14 weeks of paid leave, which is divided into six weeks before and eight weeks after childbirth. This means that her maternity leave will end on August 10, 2023. During this time, she will receive a maternity allowance ( Mutterschaftsgeld ) from her health insurance and a top-up payment ( Arbeitgeberzuschuss ) from her employer. The amount of these payments depends on her previous income and the type of health insurance she has. Anna gives birth to a healthy baby boy on June 18, 2023. She is happy and excited to be a mother. She enjoys spending time with her newborn son and bonding with him. She also takes care of her own health and recovery. After eight weeks of mandatory leave following childbirth, Anna can choose to return to work or extend her leave by applying for parental leave ( Elternzeit ). Parental leave is an unpaid leave that allows parents to take care of their children until they are three years old. Anna decides to take parental leave for one year, until June 18, 2024. She informs her employer of her decision at least seven weeks before the end of her maternity leave. Anna’s employer agrees to grant her parental leave and guarantees that she will have the same or a similar job when she returns. Anna’s employer also cannot fire her during this time, unless there are very exceptional circumstances. Anna can also work part-time during her parental leave, up to 30 hours per week, if she wants to. Conclusion If you are pregnant and working in Germany, or have a German contract abroad, you should carefully weigh the pros and cons of maternity leave in Germany and plan ahead accordingly. You should also seek advice from your employer, your health insurance provider, your doctor or midwife, and other relevant authorities or organizations if you have any questions or concerns about maternity leave in Germany.

Your Schufa record will be created automatically as soon as you open a bank account or a phone / cable contract in Germany. Did you know that most furnished apartments in Germany ( listed in Spotahome, Wunderflats) do not ask for a Schufa? If you are looking for your first apartment, this can be an effective method. If you have recently relocated to Germany, it is possible that you do not yet have a Schufa record. In this case, simply inform your landlord that you have recently moved to Germany and do not yet have a Schufa record. In most cases, landlords will understand. How do I get a Schufa for free In Germany, you have the right to access any data someone stores about you. There is no exemption for Schufa Holding AG, the company that issues Schufa. This rule can be used to your advantage when requesting a free Schufa report. Although the free Schufa report may look different from the paid one, both paid Schufa certificate as well as the free versioin have the same information. To get the free schufa report, go to the Schufa data copy page on the meineschufa website and enter your personal information and submit the form. Though the form asks for your passport and other information, you only need to enter your name and address. Other details are not mandatory. A few days later, you will receive your Schufa Datenkopie by post. Unfortunately, you cannot get it by email due to the EU data protection regulations. How different is free Schufa from the paid Schufa? Well, it does not appear to be that different at all. It will actually be the main Schufa certificate that only the landlord and other parties will care about. It is important to note, however, that the inner pages of the paid version contain quite a bit more detailed information about your transactions. Compared to the free Schufa, it would contain much more information. Moreover, a paid Schufa record extract provides you with a Schufa score, which may be of interest to the banks. Get Schufa instantly You can also get Schufa instantly by paying 30€. You have this option in meinechufa.de. Websites like immobilienscount24.de or immowelt also offer Schufa services for a fee.

Living abroad, it's normal to feel nostalgic for TV shows or movies from your home country. However, downloading copyrighted content through torrents is against the law in Germany and can get you in trouble. To stay safe, it's better to check out legal options like subscribing to streaming platforms that have international content, or subscribing to a VPN service. It might be surprising, but streaming torrents is considered illegal in Germany, and engaging in such activity can result in substantial fines, potentially reaching thousands of euros. Does Germany have a streaming ban? To put it simply, watching pirated movies and shows online became against the law in 2017 because of a decision by a European court. In Germany, breaking copyright rules is illegal, and that includes streaming videos from websites like 123movies, 0gomovies, or others that don't follow copyright laws. But it's okay to use services like Netflix, Amazon Prime, Twitch, and YouTube because they're completely legal. Be careful: if you share or download content online without having proper consent, you could get fined around 1000€, even if you didn't know it was wrong. On top of illegal streaming, Germany also doesn't allow using torrents. What are some legal streaming services in Germany? In Germany, accessing online streaming services that either create original content or secure the necessary copyrights to stream movies, TV shows, and more is entirely legal. Some of the streaming services that operate in Germany are: Amazon Prime Netflix Apple TV YouTube Magenta TV by Telekom WOW Sky Rakuten TV Is VPN legal in Germany? Yes! Germany is one of those countries that consider privacy very seriously. If you are looking to unblock geo restricted content in Germany or to protect your privacy while surfing the web, you can use VPN services. Which VPN Is The Best In Germany? From hundreds of VPN services available on the internet, we've selected the three we consider to be the best in our experience. NordVPN NordVPN is considered one of the best VPNs in Germany. In addition to offering service in almost every country, they also provide the fastest speeds and can unblock almost any geo-blocked content! However, sad news to Indians living in Germany. Due to the recent amendments in the cybersecurity directives in India, NordVPN along with few other VPN services has removed its servers from India. Besides seasonal offers like Halloween and New Year, NordVPN often offers reduced prices on its website. Take advantage of their current offer by visiting their website. PureVPN PureVPN claims to have you bypass internet restrictions. It allows you to bypass internet censorship and geo blocked content. Therefore, you have unrestricted access to websites, streaming services, live events, and much more. PureVPN has found a way around the latest cybersecurity regulations in India. They route the traffic to India via Indonesia. With a limited speed, you still have the possibility to watch content from India with PureVPN. Express VPN ExpressVPN proves its worth with a large collection of privacy tools, an excellent app, and unlimited device connections. Like NordVPN and others, ExpressVPN also had to remove its servers from India due to the regulations. However, they've reinstated the servers, and now the connection and content unlocking work without any problems. Conclusion Despite Germany's strict laws protecting privacy and preventing piracy, people try to find alternatives every day. It is important to keep in mind, that every piece of content is made with a purpose and must be viewed at its best quality possible. In our experience, Spending a couple of euros on quality streaming services is far more worthwhile than watching content in poor quality visuals and audio and paying thousands euros in fines. It is important to note that you can still be fined if you live with others in your flat who use torrent or pirated streaming services. If the contract is in your name, the authority will not ask you whether it was you or somebody else in your apartment who used the illegal service. If you receive a fine, you need to prove that it was your flatmate who had used the illegal service. However, to prove this, you may have to go to great lengths.

As soon as you move into a new apartment in Germany, you will automatically be signed into a contract with the basic electricity provider in your building. This is convenient to start with, as you move into a place with electricity. However, it is best to compare the plans from different providers and select the one that meets your needs. It is rare for some builders to only use connections from a specific provider. Therefore, you have to choose between the different plans offered by that provider. However, the majority of apartments in Germany have connections from different providers, so you can choose offers from different providers that suit your needs. There is never a time when you will be without electricity in Germany. You will always have electricity from your basic city provider regardless of whether you change providers or have a gap in your contract. In Germany, how can I switch electricity providers? You can change the electricity contract either as soon as you move to a new apartment, or at the time when your current contract period ends. However, it would be difficult for you to choose a different provider if the electricity cost is covered within your rent or additional costs. Germany has more than 1000 electricity providers. There are, however, not all of them serve in every state or city. Previously, the companies focused only on Germans. Startups such as Ostrom, however, are taking over the energy production and distribution in Germany while providing expat friendly services. Ostrom is the first electricity provider in Germany to offer a website, and customer service in English. The only plan offered by Ostrom is the 100% renewable energy plan. It is all digital and very much flexible. Your contract won't be locked in for one or two years and you can cancel the service online at any time. Ostrom also got many great reviews in Trustpilot. Unlike other service providers, Ostrom does not require you to calculate your monthly energy consumption cost. Instead of this, you pay a flat fee. They offer electricity plans throughout Germany, so moving from place to place is also very simple. Unlike many traditional energy providers, Ostrom charges live market prices. As a result, your monthly price will increase if the energy price rises. However, Ostrom also lowers your monthly bill if the energy price falls. Step 1: compare electricity providers in Germany Using a comparison tool like Tarifcheck will enable you to compare various electricity providers the traditional way. The disadvantage of most comparison tools is that their websites are in German. If you want to see it in English, you'll need to use your browser's translation feature. Go to www.tarifcheck.de, click on Storm und Gas (Electricity and Gas) from the menu and open Stromvergleich (Electricity Comparison). In the next page, enter your postcode and how much energy are you planning to consume a year (this is usually 2500 Kwh for a two person household). The result will show you the list of electricity providers available in your area. Step 2: choose the provider of your choice Tarifcheck will show you many offers from the providers signed up with them. However, in order to make your decision, you may need to know some names. The following are some of the popular electricity providers in Germany Stadtwerke München (SWM) EON Energie Yello Strom Eprimo Vattenfall The current climate change is causing German consumers to embrace renewable energy more and more. It is often more cost-effective and easier to sign up for renewable energy than traditional sources of electricity. You might like to consider renewable energy sources than conventional ones if you prefer them Ostrom NEW Energy Eprimo Stromee Naturstrom Knauber Strom The first year you switch providers, you typically benefit from bonuses offered by them. You may also get unexpected offers from the existing provider when you tell them that you are switching! Perhaps, you need to do this every year to keep getting bonuses. Anyway, once you compare the prices, features offered and decide on a provider, select the desired provider (weiter) and fill out your personal details in the next section and submit. Step 3: Confirm the new contract and cancel the old one You usually get an email confirmation about the new contract in the next few days either by email or by post. In some cases, a representative of the electricity provider may contact you to discuss further about the offer. To cancel your current electricity contract, you do not need to do anything as the cancellation will be handled by the new provider. If you move to a new apartment or take on a new electricity contract, be sure to inform the existing electricity provider to avoid misunderstandings and double billing. What to consider when switching to a new electricity provider in Germany? There are several providers with almost similar features listed in the comparison tools. However, there are some specific points you should keep in mind. Bonus and offers provided Length of the contract - 12 months is a safe and recommended contract term Payment frequency - Choose only monthly payment Contract-long price guarantee Notice period when canceling the contract - 3 -6 months recommended Customer reviews that are positive Finally, switching to another electric provider in your apartment can save you hundreds of euros per year. I was charged more than 70 euros per month by the default electric provider when I moved into my new apartment. Afterward, I switched to Eprimo for 24€ per month, and I am planning to switch to Ostrom at the end of my Eprimo contract. Frequently asked questions

In Germany, it is essential to have personal liability insurance as you are completely liable for any damage you cause to others and their property. People in Germany will go to any length to get the compensation for the damages they have suffered. If you are already an expat in Germany or planning to relocate to Germany any sooner, you need to understand why getting personal liability insurance as soon as you arrive is so important. What Is Personal Liability Insurance In Germany? The purpose of personal liability insurance is to provide protection for you and your family in the event that a third party suffers injury or property damage due to an action committed by you or your close family members. Generally, personal liability refers to legal costs and damages that you are required to pay in compensation. Personal liability insurance is optional in Germany. However, we recommend you seriously consider purchasing a good personal liability insurance plan to protect against any unforeseen financial risk. Is personal liability insurance necessary in Germany? In Germany, it is essential to have personal liability insurance as you are completely liable for any damage you cause to others and their property. People in Germany will go to any length to get the compensation for the damages they have suffered. Even if you think you are in a good position to pay for any damages you may cause to somebody, sometimes things can go far beyond your control. For instance, you may be able to cover the cost of a television you broke in your friend's apartment. However, if your actions caused someone to seek medical care or any serious issues, the compensation amount could go up to millions. Personal liability insurance in Germany: a real-life example When I first moved to Germany, I lived in a friend's apartment. He had an old washing machine which was a bargain deal he bought from somewhere, and I had to use it one day. After I had put the clothes in it, I turned it on and left the room for some other tasks. After an hour, the washing was finished and I returned to the bathroom to pick up the clothes. I was shocked to see water spilled over the floor of the bathroom from the washing machine due to a damage in the waste water hose. In a few minutes, I had cleaned up the water and turned on the room heater to warm the floor. From my perspective, the situation appeared to be under control. My doorbell rang the next morning, and the person who lived downstairs invited me to his apartment to show me his bathroom roof. As the roof absorbed the water from my bathroom floor, I was shocked to see that the roof had been damaged. After that, I had to pay 450€ in compensation because I did not have personal liability insurance. Which causes are covered by personal liability insurance? The general coverage of personal liability insurance in Germany includes but not limited to, Damage to rented apartments Lost keys Damage caused by small pets Unintentional damage to others and properties of others However, the liability insurances generally do not cover, but not limited to, Broken glass Damage to your own property Fines and penalties Locksmith Are There Any Good Personal Liability Insurances In Germany? We’ve compared a handful of plans from different insurance providers. Finally, we think the Personal liability insurance provided by Feather insurance covers almost every cause and is rated good in many platforms. However, it is recommended that you consider the benefits and drawbacks of different liability insurance providers before choosing one. The Berlin-based Feather Insurance Company was founded in 2018. Their focus is exclusively on expats in Germany, and they are an insurance aggregator. They are therefore able to conduct their entire process in English and with great efficiency. You can get liability coverage for up to 50 million euros for as little as 4,94€ a month for a single person and 8,94€ for your spouse and children. Why should you choose Feather Insurance? English speaking customer service Cancellation is possible at any time Coverage is easily accessible Worldwide coverage No waiting period to file your first claim What Feather does not cover Broken window glasses Damage to your own belongings, to belongings in a rental property, or to your own home is not covered. Any fines and penalties Payment to locksmith to break into your apartment Finally, after reviewing several liability insurance providers, Feather liability insurance offers the most things covered under a comparable cost. They have great English speaking customer service support, transparent and fast claiming procedures, and cover up to 50 million euros.

It is common for people to travel to Germany for a short period of time, whether for business, a course exchange, or for an extended vacation. However, most suffer to find an ideal apartment that suits their needs. Expatriates often rent temporary apartments when they move to Germany for the first time. Most newcomers don't buy or rent a single house when they move for the first time. In Germany, you have the possibility to rent an unfurnished apartment, a serviced apartment or a fully furnished apartment. Temporary accommodation in Germany If you're planning to stay in Germany only for a few months, there are a few options you can consider rather than booking a regular hotel. The options include serviced apartments, renting an apartment, or finding an Airbnb, etc. In Germany, you can find fully furnished apartments at a cheaper cost. In comparison to living in a hotel, these apartments provide a better and more personalised lifestyle. Regular Hotels Hotel rooms are your best choice for short visits or vacations in Germany, if you want to be mobile. There are numerous hotels, both international hotel chains and local hotels, that operate in big cities as well as in small towns across Germany. You’d find big names even in the countryside small towns. As you do usually, just login to one of those travel booking sites and book your stay. However, when it comes to traveling in Germany, or Europe in general, my personal experience, whether in terms of price or deals, with Booking.com is much better compared to other travel aggregators. Serviced apartment in Germany Often, business travellers book serviced apartments because their days start early and end late. Furthermore, serviced apartments are most suited for business travellers as they can leave the hassle of cleaning the apartment and making bed every day. One additional benefit of serviced apartments is that most of them offer free breakfast and snacks. Otherwise, they offer breakfast for a relatively cheaper price. Where to look for serviced apartments in Germany? TempoFlat With tempoFLAT, you can find a wide selection of furnished apartments offered at base cost by individuals who are not looking to make a profit. Since you can sublease your apartment while you are away, your sub-tenant gets to enjoy a wonderful stay in your flat, and you get to save on your rent. Private subletting means that there are fewer business apartments being taken off the rental market – this is your contribution towards counteracting the housing shortage. Booking.com Most people don't know that, just like regular hotels, Booking.com lists serviced apartments too. With Booking.com, you can find and book serviced apartments across Germany just like how you book a hotel room. Additionally, Booking.com often provides seasonal as well as regular offers for serviced apartments. Short term rentals in Germany If you’d like to have your own space, but don’t want to buy or rent furniture and other household items, then you can opt for a short term rental apartment in Germany. The short term apartment rentals usually come from one up to six months contract and mostly include furniture, television, and other kitchen as well as living electronics equipment. Wunderflats Wunderflats offer furnished apartments that give you all the freedom you need. With Wunderflats, you can choose your apartment and rent it by signing the contract online. Their processes are optimised to save you time. Wunderflats often verify listings and visit apartments to make sure the pictures on the portal are the same as the actual property. Once a Wunderflats has been reserved for you and before the rental agreement is signed, Wunderflats also offer viewing appointments if you request. Mr.Lodge If you are planning to stay in Germany, then Mr.Lodge would be the best choice for you. Mr.Lodge provides fully furnished apartments in great locations in Munich at affordable cost. It was Mr.Lodge that I used to find my first apartment in Germany back in 2016, and it has been the best place in Germany where I've lived. In addition to short-term rental portals, you could also use general German property rental portals as well. Immobilienscout24 or Immowelt are two popular property rental services in Germany. However, since landlords who advertise in immobilienscout and immowelt expect tenants to stay for a long time, it may be difficult to find a short-term rental. The cost of renting in Germany The cost of living in German cities is also rising every day, just like in other parts of the world. In spite of the signs that have been present since the end of 2021, the recent events contributed to the rise in living costs. As Iamexpat reported, Munich has been ranked the most expensive city in Germany in 2022. It's evident to me as someone who lives in Munich. Approximately 1200 euros would have been enough to rent a two-bedroom apartment in Munich when I moved here in 2016. Despite raising my budget to 1700 euros, I cannot even get a viewing appointment for a 2 bedroom (3 room) apartment in 2022. Therefore, make sure to plan your budget accordingly. Finally, when you leave the comfort of your home and home country and decide to come to Germany, don’t you worry! There are plenty of options to choose from whether you are a business traveler who has been assigned on a project onsite or a nomad who wishes to stay in Germany and know the culture. Short-Term Apartment Rentals in Germany: Some Frequently Asked Questions (FAQ)

Medical emergencies can be unpredictable, and when they strike during non-working hours, it's reassuring to know that Germany has a range of options to provide you with the care you need. Whether your emergency is urgent but not life-threatening or requires immediate attention, this guide will help you navigate the healthcare system in Germany during non-working hours How to handle a medical emergency situation If you have a serious medical emergency (such as a heart attack, or you cut yourself seriously), dial 112 for an ambulance. They will take you to the nearest hospital’s emergency department. Non working hours If you are in need of medical support in the non working hours (e.g. if you are sick, but not in need of an ambulance and it's 2 in the midnight), Call your house doctor or GP at first. They usually have the IVR (Interactive Voice Response) set up to answer such calls to give the contact details of the doctor on call. You can dial 116 117 for a non-emergency doctor. The helpline is available 24 / 7 including public holidays. Alternatively visit https://www.116117.de/ to find a local surgeon who offers emergency services. Apotheke (pharmacy) in the out of service hours If you urgently need any medicines or need a prescription, find an emergency pharmacy by calling 0800 002 28 33 from a landline or 22 8 33 from a mobile.

As soon as you process your visa and land in Germany, one of the first steps you should be doing is your - registration in Germany - in the Bürgerbüro (local citizen’s office) in your town and get the meldebescheinigung OR Anmeldebescheinigung OR Anmeldebestätigung. If you are planning to live in Germany, one of the first things you need to do is to register your address in Germany with the local authorities. Anmeldung is a legal requirement that applies to everyone who moves to Germany, whether they are German citizens or foreigners. In this article, I will explain everything you need to know about how to register in Germany, including the benefits, the documents, the steps, and the deadlines. What documents do you need to register in Germany? To register in Germany, you need to provide the following documents: A valid passport or identity card A registration form (Anmeldeformular), which you can download from the website of your local registration office (Bürgeramt) or get from them in person A confirmation of your landlord (Wohnungsgeberbestätigung), which is a document that proves that you have moved into your new address. You can ask your landlord to fill out this form or use a template that you can find online A marriage certificate or a birth certificate, if you are registering with your spouse or children A visa or a residence permit, if you are not an EU citizen How do you register in Germany? Some cities like Munich, already started online anmeldung process for people who moved within the city (Umzug). In other cities like, Berlin, Hamburg, or Frankfurt, you still need to go to the Bürgeramt to register your address. Additionally, for registering your address for the first time in Germany, you need to go to the Bürgeramt to register your address. To register in Germany, you need to follow these steps: Fill out your Anmeldung form (the registration form): If you are in Munich, you can download the registration form here. Get an appointment at the Bürgeramt: Most cities like Munich, Frankfurt, Berlin, etc,. now offer online appointment booking. Simply go to the service portal of your city, enter your postal code to get the online anmeldung appointment in the nearest Bürgeramt. On the day of your appointment, collect all your document listed above, and go to the specified spot in your appointment letter, handover your documents, sign some forms, pay a fee (last time when I registered it was €50 if I am not wrong) and get your registration immediately. When do you need to register in Germany? You need to register in Germany within 14 days of moving to your new address. If you fail to do so, you may face fines of up to 1000 euros and other consequences, such as losing your right to vote or being denied social benefits. Therefore, it is advisable to register as soon as possible after arriving in Germany. What is registration and why do you need it? Registration (Anmeldung) is the process of informing the local authorities of your place of residence in Germany. You need to register every time you move to a new address within Germany, or when you first arrive in the country. Registration is important for several reasons: It allows you to get a tax identification number (Steueridentifikationsnummer), which you need for paying taxes and receiving social benefits. It enables you to open a bank account, get a phone contract, and access other services that require proof of address. It entitles you to vote in local elections and referendums. It helps you avoid fines and penalties for not complying with the law. What do I need meldebescheinigung for? The registration certificate is necessary for many processes in Germany, such as: Enrolment in a university Opening a bank account Applying for a residence permit Buy an insurance Not only the items listed above, it might also be required for other purposes such as getting a monthly travel card for the public transport or even to get a phone contract in Germany. How long does it take to get the meldebescheinigung If you present all these documents and if they are through, you will get the registration certificate right there. Soon after you register, the information will be passed over to the tax department and you will receive your tax ID via post.

For expats driving in Germany, having a car insurance policy that can adjust to their needs is really important. Germany's traffic rules and conditions are quite complex, so it's essential to have insurance that can handle different situations and risks that drivers might face. Driving in Germany can be a great way to explore the country, but you will need to have some form of car insurance before you hit the road. Car insurance is mandatory for all drivers in Germany, and you cannot register a vehicle without it. In this guide, we will cover everything you need to know about car insurance in Germany. The Basics of Car Insurance in Germany Car insurance in Germany is regulated by the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, or BaFin). There are three main types of car insurance providers in Germany: Direct insurers: These are online-based insurers that offer low-cost and convenient services. However, they might have limited customer support and personalisation options. Traditional insurers: These are established insurers that have physical branches and agents. They offer more comprehensive and customised services, but they might charge higher premiums and fees. Independent brokers: These are intermediaries that work with multiple insurers and offer impartial advice and assistance. They can help you find the best deal and handle the paperwork for you, but they might charge a commission or a fee. Car insurance in Germany is based on a bonus-malus system, which means that your premium will depend on your driving record and experience. The more years you drive without any claims or accidents, the lower your premium will be. This is called a no-claims bonus (Schadenfreiheitsrabatt, or SFR). Conversely, if you cause any damage or injury to others, your premium will increase. This is called a malus (Rückstufung). Car insurance in Germany is also linked to your car registration (Zulassung). You need to have a valid car insurance policy before you can register your car in Germany. You also need to inform your insurer if you change or sell your car, or if you move to another address. Types of Car Insurance in Germany There are three main types of car insurance in Germany that you can choose from: Liability insurance (Haftpflichtversicherung): This is the minimum and mandatory coverage that covers the damage or injury you cause to others with your car. It does not cover any damage to your own car or yourself. The legal minimum coverage is €7.5 million for personal injury, €1.12 million for property damage, and €50,000 for financial loss. Partial coverage (Teilkaskoversicherung): This is an optional coverage that covers the damage to your own car caused by theft, fire, vandalism, natural disasters, animals, or glass breakage. It does not cover any damage caused by collision or vandalism by yourself or others. Comprehensive coverage (Vollkaskoversicherung): This is an optional coverage that covers the damage to your own car caused by collision or vandalism by yourself or others. It also includes partial coverage. You can also add additional coverage to your car insurance policy, such as: Personal injury protection (Insassenunfallversicherung): This covers the medical expenses and compensation for yourself and your passengers in case of an accident. Legal expenses protection (Rechtsschutzversicherung): This covers the legal fees and costs if you are involved in a dispute or lawsuit related to your car. Breakdown assistance (Schutzbrief): This covers the roadside assistance and towing services if your car breaks down or has an accident. Rental car (Mietwagen): This covers the cost of renting a car if your car is damaged or stolen. The Costs and Discounts of Car Insurance in Germany The cost of car insurance in Germany depends on various factors, such as: Your driving history and experience: Some insurers offer lower premiums for drivers who have a clean record, a no-claims bonus, or a long driving experience. You can also get discounts for taking a defensive driving course or having a dashcam installed in your car. Your car model and value: The type, age, and value of your car will affect the cost and level of coverage you need. For example, if you have a new or expensive car, you might want to get comprehensive insurance to protect it from theft, vandalism, or damage. On the other hand, if you have an old or cheap car, you might be fine with just liability insurance. Your location and usage: Where you live and how often you use your car will also influence your car insurance premium. For instance, if you live in a big city or a high-risk area, you might pay more than if you live in a rural or low-risk area. Similarly, if you drive frequently or long distances, you might pay more than if you drive occasionally or short distances. Your personal preferences and needs: Finally, you should choose a car insurance policy that suits your personal preferences and needs. For example, you might want to get additional coverage for personal injury, legal expenses, breakdown assistance, or rental car. You might also want to look for an insurer that offers good customer service, online access, flexible payment options, or English-speaking staff. The average cost of car insurance in Germany is around €300 per year for liability insurance, €500 per year for partial coverage, and €900 per year for comprehensive coverage. However, these are only rough estimates, and the actual cost can vary significantly depending on the factors mentioned above. To save money on car insurance in Germany, you can also look for discounts and special offers from different insurers. Some of the common discounts are: Annual payment: If you pay your premium in one lump sum instead of monthly instalments, you can save up to 10%. Low mileage: If you drive less than 10,000 km per year, you can save up to 30%. Garage parking: If you park your car in a garage or a secure place, you can save up to 20%. Eco-friendly car: If you drive a car that has low emissions or uses alternative fuels, you can save up to 15%. Family policy: If you have more than one car or driver in your household, you can save up to 10%. The Steps to Apply for and Cancel Car Insurance in Germany To apply for car insurance in Germany, you need to provide some information and documents to your chosen insurer, such as: Your personal details: name, address, date of birth, nationality, occupation, etc. Your driving license: number, date of issue, country of issue, etc. Your car details: make, model, year of manufacture, registration number, value, etc. Your previous insurance details: insurer name, policy number, no-claims bonus, etc. You can apply for car insurance online, by phone, by mail, or in person. You will receive a confirmation and a contract from your insurer once your application is approved. You will also receive an electronic insurance certificate (eVB-Nummer) that you need to register your car in Germany. To cancel car insurance in Germany, you need to follow some rules and procedures: You can cancel your car insurance at the end of the contract period (usually one year) by giving one month’s notice before the expiration date. You need to send a written cancellation letter (Kündigungsschreiben) to your insurer by mail or email. You can also cancel your car insurance before the end of the contract period if you have a valid reason, such as selling or scrapping your car, moving abroad, changing your car model or usage, or finding a cheaper offer. You need to send a written cancellation letter with proof of your reason to your insurer by mail or email. You can also cancel your car insurance within 14 days of signing the contract without giving any reason. This is called the cooling-off period (Widerrufsrecht). You need to send a written cancellation letter to your insurer by mail or email. Your eVB Number (Elektronische Versicherungsbestätigung) Before you can register your car in Germany, you will need to get an eVB number from your insurance company. This is a seven-digit code that proves that you have valid third-party liability insurance for your vehicle. You can request your eVB number online, by phone or by email from your insurer. They will send it to you by mail, email or SMS. You will need to provide this number to the registration office when you register your car. The eVB number is valid for a limited period of time, usually between three and six months. You can only use it once, and it will expire if you do not use it within the validity period. If you need a new eVB number, you will have to request it again from your insurer. The Best Ways to Compare and Choose Car Insurance in Germany To find the best car insurance in Germany for you, you can use online comparison platforms like Check24, Tarifcheck. These platforms allow you to compare different offers from various insurers based on your personal details and preferences. You can also read reviews from other customers and get quotes from multiple insurers. Alternatively, you can consult an independent broker or agent who can advise you on the best options for your situation and help you with the application process. You can find brokers and agents online or through recommendations from friends or colleagues. You should compare and choose car insurance in Germany based on the following criteria: The price: You should look for the best value for money and not just the cheapest offer. You should also consider the deductible (Selbstbeteiligung), which is the amount you have to pay out of pocket before the insurer covers the rest of the claim. The coverage: You should look for the level and type of coverage that meets your needs and expectations. You should also check the exclusions and limitations of each policy. The service: You should look for an insurer that offers good customer service, online access, flexible payment options, English-speaking staff, etc. You should also read the terms and conditions (Allgemeine Geschäftsbedingungen) of each policy carefully before signing it. You should also check the cancellation policy and the claim process of each insurer. Adding an additional driver to your car insurance in Germany If you want to let someone else drive your car occasionally, you might need to add them as an additional driver (Zusatzfahrer) to your car insurance policy. This will ensure that they are covered by your insurance in case of an accident or damage. However, adding an additional driver might also affect the cost and conditions of your car insurance. The rules and requirements for adding an additional driver vary depending on the insurer and the type of coverage you have. Some insurers allow you to add an additional driver for free, while others charge a fee or increase your premium. Some insurers also limit the number of additional drivers you can add, or the age and driving experience of the additional drivers. Generally, you need to inform your insurer about the details of the additional driver, such as their name, date of birth, driving license number, and driving history. You also need to specify how often and for how long they will drive your car. You can usually add an additional driver online, by phone, by mail, or in person. If you want to add an additional driver temporarily, for example, if you have a visitor or a friend who wants to borrow your car for a short period, you might not need to inform your insurer. Some insurers allow occasional drivers without any extra charge or notification, as long as they have a valid driving license and permission from you. However, this depends on the insurer and the policy, so you should always check with your insurer before letting someone else drive your car. If you want to add an additional driver permanently, for example, if you have a spouse or a child who shares your car regularly, you might need to pay more for your car insurance. This is because adding an additional driver increases the risk of accidents and claims. However, some insurers offer discounts or special offers for family members or spouses who drive the same car. For instance, some insurers do not charge extra to cover your spouse as a driver. Adding an additional driver to your car insurance in Germany can have advantages and disadvantages. It can give you more flexibility and convenience when sharing your car with others, but it can also increase your insurance costs and responsibilities. Therefore, you should always compare different offers and conditions from different insurers before adding an additional driver to your car insurance policy. What to Do If You Have a Foreign Driving License If you have a foreign driving license, you may be able to use it in Germany for a limited period of time, depending on your country of origin. However, if you are a long-term resident in Germany, you will need to have German car insurance, even if you brought your car from abroad. Foreign car insurance does not suffice. You may also need to exchange your foreign driving license for a German one, depending on the country that issued it. Some countries have reciprocal agreements with Germany that allow you to exchange your license without taking any tests. Other countries require you to take either the practical or theoretical driving test in Germany. If you need to take a driving test in Germany, you will need to register with a driving school (Fahrschule) and complete some mandatory lessons and courses. You will also need to pass an eye test and a first aid course. The driving test consists of two parts: a theory test and a practical test. Some Frequently asked questions about car insurance in Germany

It is often necessary to take a closer look at your spending habits and lifestyle if you want to save money. While still living the same lifestyle, can you actually save money while living in Germany? No, we ain’t asking you to give up dining out, or Friday night outs, nor are we asking you to reduce your shopping habits. You can still save money without sacrificing any of these. Rethink about your insurances On your very first days in Germany, you should’ve noticed, there's insurance for basically everything in Germany. Most landlords would want you to have house insurance before you can rent an apartment in Germany. Even though securing a potential future risk is a good idea, you perhaps need to rethink about the policies you’ve bought. Think about whether your financial stability can withstand the costs resulting from an accident, damage, or theft. For instance, my house insurance covers any damage caused to my kitchen appliances, whether the damage is caused by me, someone else outside the family, or by natural calamities. Therefore, I do not need the individual insurance offered by the seller when buying the refrigerator and can save that money. It's only an example. Find out if you need insurance for your phone, laptop, or television, or you can afford the cost if they are broken or stolen away. You can also check if there are other providers who provide similar insurance at a cheaper cost. Check24 provides comparisons to different insurance providers in Germany. Additionally, there are good insurance providers like Feather insurance who provide insurance specialized for expats. Since their products are mainly focused on expats, their website as well as customer support is fully in English. Get rid of Church Tax if that’s not important to you Every employee in Germany who is a member of a church is supposed to pay church. The amount deducted depends on the location they live. Germany's church taxes are deducted directly from the salary just like the income tax. You will find the relevant information on your salary slip. The process of unregistering from Church Tax varies state to state. Therefore, enquire with your local citizen’s office how you can get rid of the church tax. Consider Flea Markets and eBay Kleinanzeigen over Amazon When you plan to buy something new, just take a moment to search eBay Kleinanzeigen for the item you are planning to by just to see if a used item is available for a cheaper price. Often, people sell good quality items on eBay Kleinanzeigen for a much cheaper price compared to Amazon. You don't need to be sheepish to buy a second hand item. If it is not hurting your bank, it's a good thing. Alternatively, you can also check Flea Markets in the town you live in. Most towns in Germany have a Flea Market mostly on a particular day in a week at a common spot and people bring things from their home and sell at unbelievably cheap prices. I have a friend who often buys from Flea Markets and cracks great deals without even negotiating with the seller. You may also find antique objects and rare pieces of art from very old times in a Flea Market. Save on daily shopping The variety of supermarkets in Germany should be familiar to anyone who has lived in the country for a while. You should have already noticed the differences in the product pricing if you had already visited a few. Many supermarkets sell popular items in their own label. Interestingly the prices for those items would vary greatly between different stores. For instance, both DM (drogerie markt) and Alnatura produce purees for babies. While DM prices it around 1€, Alnatura’s price is around 2.5€. Alternatively, you can try Flink or Getir for online grocery shopping and delivery. Both offer signup bonus and occasional reduced prices. Another way to save on daily shopping in Germany is by using the Amex Payback card. The Payback program is a loyalty program that allows you to collect points when you make purchases at participating retailers, including supermarkets, gas stations, and online stores. By linking your Payback account to your Amex card, you can earn additional points when you use your card to make purchases. These points can then be redeemed for discounts or cashback on future purchases. In addition, the Amex Payback card often offers exclusive discounts and promotions to cardholders, allowing you to save even more on your daily shopping. Check if your bank charges you monthly for account maintenance Traditional banks may charge you an account maintenance fee for your savings account. If you wish to have a separate savings account to keep your monthly savings, choose a bank account that doesn't charge you for account maintenance. N26, Germany’s most popular digital bank, offers free savings bank accounts for almost all nationalities. Although N26 is new generation and fully digital, sometimes the transfers from or to N26 takes upto 4 working days. Therefore, choosing an e-money institution like Wise or Revolut is a much better option. Wise is a widely popular multi currency money transfer service with record transfer time and great reviews. With Wise, you can hold and convert money in 50+ currencies. It only takes a few seconds to open a new account in the currency you need. Additionally, You can use the money in your multi-currency account to send to around 80 countries; all with just one account! The most attractive feature about wise is, it’s completely free! No subscription required. Revolut on the other hand is also an e-money institution for business customers. They intend to offer banking services to EEA customers in the near future, as well as seek banking licenses in many of the other regions where they operate. Filing your taxes yearly can give you unexpected returns In Germany, employees without additional side income are not required to pay taxes. If you knew, the average tax returns in Germany are typically around 1000 euros. Therefore, we recommend you calculate whether you can save money by filing tax yearly. There are several apps that offer free tax return calculation in Germany and help you file and get your tax return. Some of them are, SteuerGo SteuerGo is one of the easiest options to file your annual tax return online. Whether income tax, capital gains or childcare costs, SteuerGo is a good choice. They help to secure overpaid income taxes. It is easy to enter your data with SteuerGo since it provides everything you need to get it done correctly and securely. With their online form, you can get started right away and keep track of everything, from personal information to useful tax tips. SteuerGo checks all data automatically for accuracy and plausibility. Then you can securely submit your tax return to the tax office. Additionally, SteuerGo allows you to check the subsequent tax assessment notice from the tax office. TaxFix TaxFix is one of the popular income tax calculation and filing services in Germany. The app offers to complete your tax return in just a couple of minutes using the simple question-and-answer procedure. The highlight of Taxfix among other applications is that they offer you the opportunity to have 50% of your calculated tax refund in your account the next day . So you can get your money in your bank account early. Lohnsteuer-kompakt Lohnsteuer-kompakt is a web based income tax calculation and return filing service. Therefore you don't need to install software on your PC or phone. It works platform-independent on any computer, tablet or smartphone. With Lohnsteuer-kompakt, you can either submit your tax return online or print out the completed tax forms. You have the possibility to see how each item affects your tax refund Immediately after each entry. Steuererklaerung-Student.de Steuererklaerung-Student.de helps students create their annual tax return online. You can document and offset all study costs even without income, as soon as taxes are paid. They claim to help to secure overpaid income taxes. Steuererklaerung-Student.de offers everything you need to enter your details correctly and securely and calculate your refund live. Steuererklaerung-Student.de checks all information automatically for correctness . Then you can send your tax return securely to the tax office and then check the tax assessment. Additionally, you may get an unexpected amount back when you file your taxes. Some years ago, I got back a couple of thousands of euros by filing a tax return! Public transport Public transport in Germany has a wide acceptance due to its high efficiency, punctuality, reliability and affordability. In 2022, the government has decided to experiment with a reduced 9€ ticket on public transport valid across Germany on all public transport mediums for Jun, July and August. Followed by the huge success of Germany’s 9€ ticket, there are plans to introduce cheaper tickets in the coming months. Even if you own a car, get a monthly ticket for public transport and use the car only for unavoidable situations. Therefore, you save on fuel, parking and potential maintenance. Additionally, most employers in Germany provide monthly public transport rebates. For instance, my company provides almost 50% offer on monthly tickets on public transport. Therefore, check if your employer has any such offers. Alternatively, switch to cycling if that's an option for you. Small trips, such as going to the supermarket, fitness, and trips covering short distances, can be done on a bike. It is both cost effective as well as healthy. Lucky Bikes, one of the popular bicycle sellers in Germany, has often provided great offers for bicycles. They also offer a wide range of bikes in their online shop. Internet, electricity and heating costs If you have a high speed internet connection at a large monthly cost, check if you really need a connection that fast whether there is another provider who charges less for the same speed. For instance, Vodafone has plans for 1 GB/s and the first 6 months, the connection is totally free and they only charge from the 7th month. Similarly, Telekom, a major player in the telecom and internet industry in Germany also has low cost and fairly high return plans. Their 500 Mb/s plan is free for the first 6months and 20€ from the seventh month. Maybe M-Net is a great deal for you if you live in Bavaria. They have plans that have 600 Mb/s download speed for 15€. Like the other providers, they also give it for free for the first six months and you will only be charged from the seventh month. Likewise, check how much your electricity provider charges you. In general, many providers can give you an attractive and much cheaper plan than the default electricity provider in your building. For instance, the default electricity provider in my building charged me over 40€ per month. However, I moved to Eprimo Green Electricity for 26€ per month and saved almost 20€. Eprimo Eprimo promotes certified green electricity in Germany at a cheap and very uncomplicated procedure. Eprimo's 81 kWp solar system produces around 68,000 kWh of electricity per year. As per Eprimo, some days in summer there’s a power requirement of up to 150 kW. They cover a good 50% of this with their solar system. With their battery storage, they manage to store the excess energy in order to be able to charge their electric company cars. Ostrom As far as we know, Ostrom is the only provider that offers expat friendly English speaking customer service in Germany. In addition, their website as well as the iOS application is also available in English. Moreover, Ostrom offers only one plan based on 100% green energy with the possibility to cancel anytime. Finally, the ideas just don't stop with these. If you find some time analyzing your bank statements, you’ll still find many things you can either find an alternative or put an end to it. For instance, my internet bill was 79€ until mid 2022 and I was shocked when I realized it. I then went to my internet provider’s outlet and found out that I was paying for their digital TV service even though I have never used it. The plan also had an increased speed of 1 GB/s. I immediately requested for a cancellation of the TV service and reduced the speed to 150 Mb/s and my bill came down to 29€. **We would like to inform you that this article contains affiliate links. Expatova gets a small commission if you click on them and buy a product. However, you will not be charged any extra amount as a result.

Taxes are one of the major deductions from your salary; especially if you are in the higher tax paying category. However, you can still make an impact in your monthly drawn salary by moving to a lesser tax paying class. Most things about taxes in Germany are a hot topic and not very easy when it comes to managing taxes on your own. However, not every topic needs to be very hard. It is rather easy to change your tax classes in Germany and we’ll walk you through the process. Tax classes in Germany In Germany, your tax class will not affect your tax amount, but rather, depending on your income, the amount you pay will vary. Taxes are, however, calculated based on the amount of income you earn each month. Remember that, your overall tax bill remains the same over the course of the year. Singles are taxed in tax class I. This includes widows, divorcees, and civil partners. A married person who is not in class II, III, or IV can also be in class I. Unmarried expats in Germany or those whose spouse lives in a different country will automatically be assigned to tax class 1 upon arrival. Single parents living separately are taxed under tax class II. Those who are married and whose spouses are classified under tax class V or who have recently died are in tax class III. Tax class IV will be assigned to both spouses. A couple earning nearly the same amount should fit into tax class IV. You will automatically be assigned class IV if you arrive in Germany with your spouse or if you marry in Germany. If you are married to someone who has tax class III, you fall under tax class V. Those earning multiple wages from multiple employers are considered to be in tax class VI.. How do I know my tax class? On your payslip, you can find your tax class in the left upper corner, marked SKI. The tax class numbers range from 1 to 6, or from I to VI in Roman numerals. What is the process for obtaining a tax class? Your tax ID and tax class will be assigned to you by the Finanzamt (tax office) after you are registered in Germany. While the tax ID will be valid during your stay in Germany, the tax class depends on your marital status. What are the steps to change your tax class in Germany? German tax classes can be changed quickly and easily. If you and your spouse want to change your tax classes (you to class III and your spouse to class V), you'll have to complete a form called "Antrag auf Steuerklassenwechsel bei Ehegatten." You can either do this online or print a PDF form and fill it out manually. In simple terms, the below instructions are for switching your tax categories to III for you and V for your spouse. Line 1 Steuernummer. This is your individual tax number that you can find on your tax declaration. Not to be confused with the tax ID. If you haven’t filed a tax declaration yet, leave the field empty. Line 2 An das Finanzamt. Name of your city or the relevant tax office. Line 3 Bei Wohnsitzwechsel: Bisheriges Finanzamt. If you have moved, fill in the name of the previous relevant tax office. Lines 4 to 10 Antragstellende Person. These lines deal with the person filing the change: line 5 Identifikationsnummer (tax ID; see payslip), lines 6-9 personal details and address, line 10 verheiratet seit (married since), verwitwet seit (widowed since), geschieden seit (divorced since), dauernd getrennt lebend seit (permanently separated since) Line 11-15 other spouse: line 11 Identifikationsnummer (tax ID of the other spouse), lines 12-15 personal details and address of the other spouse Line 17 Bisherige Steuerklassenkombination (previous tax classes of the spouses) Line 18 Wir beantragen die Steuerklassenkombination (we request the tax class combination (partner filing the request/other spouse) Line 19. If you tick this box, the change will be effective retroactively since the day of the wedding. Line 43. Signature of both spouses, the one filing the request first. Send the form to the tax office or submit it in person If you submit the form by the end of the month, the tax office will let your employer know about the changes in the first five days of the following month. Wait for your next payslip Once your tax class is changed, you should see the difference in your next payslip. You'll see that your monthly drawn salary is different to the previous month as well as the the value in the tax class field is changed to the new tax class. Even though the form is available to download in English, you need to submit the German version of the form. You can use Google translate’s document translate option to translate the form to English or to a language you understand. However, make sure you submit only the German form to Finanzamt. When to change my tax class in Germany? It is easy to change your tax class in Germany. Most expats become concerned about tax class when they marry or move to Germany alone if they are married. Separation, divorce, the birth of a child with full custody or a change in employment or income can also result in a change in tax class. It will usually be the spouse who files the request alone who signs the form in these cases. In the event that one spouse passes away, the tax class of the other spouse will be changed automatically. Even during a single year, tax classes can be changed a number of times depending on the circumstances. Frequently Asked Questions - How to Change Tax Classes in Germany

Are you an Indian citizen who wants to join your spouse, parent or child in Germany? If so, you may need to apply for a family reunion visa, which is a type of German national visa that allows you to stay in Germany for more than 90 days. The German family reunion visa allows family members of foreign nationals residing in Germany to join them and live as a family unit. This visa enables spouses, children, parents, and other eligible family members to reunite with their loved ones in Germany. In this article, we will explain what a family reunion visa is, who can apply for it, what are the requirements and how to apply for it from India. What is a Family Reunion Visa? A family reunion visa is a visa that allows you to join your family member who is already living in Germany. Depending on your relationship with your family member, you may need to apply for a different type of family reunion visa. For example: If you want to join your spouse who is a German citizen or a foreigner with a residence permit in Germany, you need to apply for a Family Reunion for Spouses. If you want to join your parents who are German citizens or a foreigner with a residence permit in Germany, and you are under 18 years old and unmarried, you need to apply for a Family reunion visa for children to join one or both parents in Germany. If you want to join your child who is a German citizen or a foreigner with a residence permit in Germany, and you have the custody of the child, you need to apply for a Family reunion for parents of German or EU Citizen children. A family reunion visa allows you to live and work in Germany as long as your family member maintains their residence status. You may also be eligible to apply for a permanent residence permit after living in Germany for a certain period of time. Who Can Apply for a Family Reunion Visa? You can apply for a family reunion visa if you meet the following criteria: You are an Indian citizen or a legal resident of India. You have a valid passport that was issued within the last 10 years and has at least two empty pages. You have a family member who is living in Germany as a German citizen or a foreigner with a residence permit. You have proof of your relationship with your family member, such as marriage certificate, birth certificate, divorce decree, death certificate, etc. You have proof of your family member’s residence status in Germany, such as certificate of residence, residence permit, etc. You have proof of sufficient financial means to support yourself in Germany, such as bank statements, salary slips, sponsorship letters, etc. You have proof of adequate health insurance coverage for yourself in Germany, such as travel insurance policy, health insurance card, etc. You have proof of basic knowledge of German language (A1 level), unless you are exempted from this requirement due to certain circumstances (such as age, disability, education level, etc). You have no criminal record or security threat that would prevent you from entering Germany. How to Apply for a Family Reunion Visa? To apply for a family reunion visa from India, you need to follow these steps: Fill out the online application form for German National visa on the website of the German Embassy or Consulate in India. You will also need to fill out some additional forms depending on the type of family reunion visa you are applying for. For example: Declaration on true and complete information Additional contact and legal representation information Annexure for employment visas (if applicable) Declaration of consent (if applicable) Additional questionnaire (if applicable) Print out the application form and the additional forms and sign them. Make sure you have all the required documents as per the checklist for your specific type of family reunion visa. You can find the checklists on the website of the German Embassy or Consulate in India. For example: Checklist for family reunion / spouse visa Checklist for family reunion visa for parent of a German or EU citizen child Checklist for family reunion visa for a child joining one or both parents in Germany Checklist for dependents (accompanying spouse) Checklist for dependents (accompanying children) Checklist for intended marriage Book an appointment at the nearest VFS Global center or the competent German Mission in India to submit your application and documents. You can book the appointment online or by phone. You will need to pay a visa fee of 75 euros (or equivalent in Indian rupees) at the time of submission. You will also need to provide your biometric data (fingerprints and photograph) at the VFS Global center or the German Mission. Wait for the processing of your visa application. The processing time may vary depending on the type of family reunion visa, the volume of applications and the individual circumstances of your case. You can track the status of your application online or by contacting the VFS Global center or the German Mission where you submitted your application. Collect your passport and visa from the VFS Global center or the German Mission where you submitted your application. You will need to show your receipt and a valid ID proof to collect your passport and visa. You should check the validity and accuracy of your visa before leaving the VFS Global center or the German Mission. German family reunion visa checklist for Indians Valid passport with at least two empty pages and valid for at least another year Application form, declaration form and contact information form duly filled and signed Personal covering letter from the parents explaining the exact purpose and duration of stay Copy of the first and last page and all pages containing entry stamps/visas of your passport and parents’ passport Certificate of residence of the parent(s) living in Germany, not older than 6 months Copy of parents’ residence permit, if applicable School certificate mentioning parentage and date of birth, if applicable Proof of marriage of parents, if applicable (see details in the search results) Birth certificate issued under the Births and Deaths Registration Act, 1969 Divorce judgment and decree of parents, if applicable Death certificate of parent, if applicable Only in case of family reunion with a non-German parent in Germany: proof of sole custody or declaration of consent from the other parent Proof of German language skills (A1 level) for minors aged 16 and above, if they apply for a family reunion with a non-German / non-EU national Two passport pictures according to biometric specifications, not older than 6 months Visa fee (75 Euro for adults and 37.50 Euro for children up to 18 years) Conclusion A family reunion visa is a great way to join your family member who is living in Germany. However, you need to be aware of the requirements and procedures involved in applying for this visa from India. By following the steps outlined in this article, you can prepare your application and documents and submit them to the competent authorities. Frequently Asked Questions about Family Reunion Visa Here are some common questions and answers about the family reunion visa in Germany:

It can happen to anyone: you lose your keys, or you lock yourself out of your apartment. Don’t panic, there are solutions. This guide will show you what to do in such situations, and how much it will cost you. Calling a locksmith If you can’t get into your apartment, you need to call a locksmith (Schlüsseldienst). They will open your door for you, but they will charge you a fee. The fee depends on the time of the day and the difficulty of the job. It can range from 50 € to 150 €, or sometimes even more. To avoid being scammed by some locksmiths, you should always ask for the price on the phone before they come. If possible, ask for a fixed price, not an estimate. You can also call different locksmiths near your area and compare their prices. Some locksmiths have good reviews online, such as Albert Schlüsseldienst in Berlin or Aufsperrdienst Johann Wernhardt in Munich. When the locksmith arrives, you need to prove that you live in the apartment. You can show them your passport or your Meldebescheinigung. If you don’t have any of this handy, it might be a bit difficult. They might ask for confirmation from your landlord before starting the work. Once done, you should also ask for a receipt and keep it. You might be able to get reimbursed by your household insurance (Hausratversicherung), if you have one. Replacing your keys If you still have your keys, but you need extra copies, you can go to any locksmith and ask them to make new keys for you. This is usually cheap and easy, around 5 € per key. However, if you need to replace your building key (the key that opens the main entrance of the building), you need permission from your Hausverwaltung. They will give you a card (Schlüsselkarte or Schließplan) that you need to bring to the locksmith. Building keys are more expensive to replace, around 50 € per key. Some locksmiths might make a copy of your building key without permission, but this is risky. If you move out, you need to give back all your keys to your landlord. If they notice that one key is different, they might charge you for it. Paying for the locks If you lose your keys, or if they are stolen, you might have to pay to change the locks of your apartment and the building. This can be very expensive, and your landlord can take the money from your security deposit (Kaution). The amount you have to pay depends on the situation. If your keys were stolen, and you reported it to the police, you are not responsible for the costs. If your keys were lost, but there is no risk of someone finding them and entering your apartment, you are also not responsible for the costs. For example, if you dropped your keys in a lake, or if your keys have no address on them. However, if your keys were lost, and there is a risk of someone finding them and entering your apartment, you are responsible for the costs. For example, if your keys have your address on them, or if you lost them near your apartment. In this case, you need to change the locks for security reasons, and you have to pay for it. Other things to consider. Here are some other tips to avoid losing your keys or locking yourself out: Always have a spare key somewhere safe, such as with a friend or a neighbour you can trust. Never leave your keys inside the lock of your door. This can prevent you from opening the door from the outside, even if you have another key. Don’t put your address on your keychain. This can help someone find your apartment if they find your keys. If you lose your keys, report it to your landlord and your Hausverwaltung as soon as possible. They might have a spare key for you, or they might help you find a solution. If you lose your passport or other important documents, report it to the police and your embassy immediately. You will need to get new ones as soon as possible. Does a Household contents insurance cover lost keys? In general, household contents insurance in Germany covers the cost of a locksmith and many other expenses caused to you because of it. However, some traditional insurances may not cover this cost entirely or not cover it at all. Therefore, it's a good idea to check with your insurance provider or switch to a new one. Feather has an impressive household contents insurance that covers the belongings in your apartment, such as furniture, electronics, clothes, and jewellery. It protects you from losses caused by events such as fire, water damage, vandalism, or theft. Household contents insurance also covers some additional expenses, such as accommodation during emergencies or moving costs. Some of the things that are covered by household contents insurance are: Water damage (from pipes or containers) Fire (including smoke and explosion) Vandalism (during a break-in or otherwise) Moving (both apartments are temporarily covered) Lost keys (up to €500 per year) You also have the possibility to customise your coverage with add-ons, such as bicycle theft, broken glass, negligence, or moving expenses. However, some things are not covered by household contents insurance, such as building fixtures, blown fuses, pipes under the floor, or large-scale conflict. Conclusion Losing your keys or locking yourself out is not a pleasant experience, but it’s not the end of the world. There are ways to get back into your apartment, and to replace your keys. However, you should always be careful with your keys, and try to avoid losing them or leaving them inside. This will save you time, money, and stress.

Being an Indian who moved to Germany from India a couple of years ago and now helps others with their relocation questions, I think it's a good idea to put together a checklist that lists both important and common points. I moved to Germany in 2016. Back then, it was hard to find information in English about what to consider when moving here. However, settleingermany.de has put together a complete list of things to do before and after moving to Germany. If you are someone planning to move to Germany, you can download their checklist for free here. They also provide many other useful templates for free on their website. What to consider when moving to Germany from India? While many general topics are covered in Settleingermany’s moving to Germany checklist, there are specific things that need to be considered while moving from India. Before moving Visa and Residence Permit By the time you are looking for a checklist, I assume you’ve already applied for your visa in India. If not, the first thing you need to do is to apply for the German visa in the German consulate near your town. You can find the nearest German consulate in India here. If you’ve already applied for the visa, make sure you follow up with the consulate and get your visa at least 2  - 4 weeks ago. Therefore, if you find any mistakes (just in case) you have enough time to rectify it. From India, you can initially get a visa for up to three months. After you arrive in Germany, you have to apply for a residence permit. This permit, once you get it, can be valid for up to four years. Flight tickets It's a good idea to check the flight ticket prices to Germany from where you live at least two months prior. Waiting too long, especially for flights to big airports like Munich or Berlin, can make it a lot more expensive. From traveling about twice a year since 2012 (since the first time I came to Germany before moving here permanently in 2016), I feel that Qatar Airways provides quality flights at comparable prices. In my experience, they fly to most Indian cities and the timings are also very flexible. For people who fly from Delhi, Mumbai or Bangalore to airports like Berlin, and Frankfurt, Lufthansa might be an option as they provide direct flights in both directions. Document Translation If important documents such as your birth certificate, marriage certificate, etc., are not in English or do not have an English version, make sure you get an English version of them. If it is not possible to get an English version, have them translated into English and get them attested by a notary or a gazetted officer. This is very important for the future, as you'll need to provide your birth certificate as well as your spouse's birth certificate when applying for a residence permit for your child, or for a birth certificate for your newborn in Germany. Additionally, any official documents that are not in English or do not have an English version, have them translated and get them attested by a notary or a gazetted officer. Expat Health Insurance When I moved to Germany, I wasn't aware that I needed Expat health insurance to cover my medical costs in Germany. So, I just bought the regular travel insurance from Bajaj Allianz. Luckily, I didn't need to see a doctor until I got my German health  insurance. If you regularly take medication, or think you might need to see a doctor soon after moving to Germany, it's important to get the right Expat Health Insurance before you travel. Expat health insurance is nothing but a temporary health insurance that covers your medical expenses before you get the proper full German health insurance. Below table provides a short comparison between the expat health insurance and the normal travel insurance. The below table summarises when to use German expat health insurance and travel insurance. Based on this information, you can decide whether to get a cheaper travel insurance or slightly expensive expat health insurance for the time you are permanently insured in Germany. Either way, please keep in mind that you will get your permanent German health insurance within 2 - 4 weeks up on arrival depending on what type of insurance you are opting in and the insurance provider. Feather, one of the new generation insurance providers in Germany has comparatively cheaper expat health insurance than others covering many features including Sudden illness and hospitalisation. Currency exchange and Bank account No, you don't need to open a German bank account before traveling. But, it's a good idea to convert some rupees into euros, as you might need to pay for things like taxis, restaurants, and other expenses. If you convert currency at airports or other exchange services, you'll likely end up paying much more than expected. One alternative to currency exchange centers is online multi currency accounts.You can try Thomas Cook’s borderless prepaid visa card, or ICICI’s Forex prepaid card. If you already have their accounts, you can simply load currency and use it while you are here. However, the best way to convert currency would be to open a Wise account. Wise offers live conversion rates which are always better than the rates you get in any currency exchange centers. Wise also offers bank accounts in different currencies like US Dollar (USD), British Pound (GBP) and Australian Dollars (AUD). All these accounts are free of charge and you can manage everything in one single app. They also received a 4.2 out of 5 rating on Trustpilot, based on over 204,000 total reviews. Since 2016, I've been using Wise and I'm very happy with their rates, service, and the account. Every time I go on vacation to another country, whether it's in Europe or elsewhere, I use Wise and have always had a pleasant experience. International Driving Permit As you may already know, Indians can drive in Germany for the first 6 months without having a German driving license. However, it is only possible if you have an International Driving Permit (IDP). Usually, it takes around 2 weeks to get an IDP. Therefore, apply for an IDP from the date of your arrival. So that you can conveniently move within Germany and convert your Indian driving license to a German license with some experience driving in Germany. Social integration and help There are many Indians living in Germany and thousands of Indian groups on social platforms like Facebook, Telegram, and WhatsApp. Make sure to browse them and join any relevant groups. Perhaps you can find people from your hometown and get help upon your arrival. Packing and Essentials For most people from South of India, the weather in Germany will be a totally different experience than what they're used to. However, people from the far north might have some ‘winter’ experience. Anyway, consider the items in the below list according to your personal needs. Clothing: Pack a mix of casual and formal attire suitable for the German climate. Consider packing items that you can layer up for seasonal changes. If you are not travelling in core winter, you can buy quality winter jackets from Germany at a much cheaper price than in India. Checkout TK Maxx, H&M, S.Oliver or C&A for affordable winter jackets. Zalando - the best online shopping site is also an option if online shopping is your preference. Toiletries: If you are not staying in a hotel in the beginning, bring your essential toiletries, including shampoo, conditioner, soap, toothpaste, toothbrush, deodorant, and shaving stuff. Electronics: Pack your laptop, phone, chargers, and any other essential electronic devices. However, keep in mind that the plug socket in Germany is different to the ones in India. Therefore, try to get an international travel adapter - if possible, an European travel adapter. Cooking Essentials: If you plan to cook at home, pack spices, condiments, and any specialty ingredients you regularly use. I prefer not to bring any utensils as those are very cheap in Germany and you can buy them from local shops like Ikea, or any supermarkets in Germany. Additionally, the German cooktops are 99% electric and gas cooktops are very rare here. Therefore, if the utensils you bring from India are only ‘gas compatible’ you cannot use it here. Rest of the items in the checklist As mentioned at the beginning, this article only covers items specific to Indians. However, there are many things you need to know before traveling. Settle in Germany's checklist covers all those important points in their ‘Moving to Germany checklist’. Therefore, don't forget to download their free checklist. Conclusion This checklist should give you a pretty good head start on your big move from India to Germany. Remember, moving countries is a bit like going on a big adventure – it can be a bit scary but also super exciting. It's all about being prepared. So, make sure you've got all your important stuff sorted – like your visa, flight tickets, and that all-important health insurance. Don't forget to change some cash into euros and maybe join a few online groups to connect with fellow Indians who've already made the leap. Lastly, pack smartly – remember, the weather in Germany can be a real change from back home. And hey, if you feel overwhelmed, just download the free checklist from Settle in Germany for a little extra help.

Like anywhere else in the world, you need to sign an employment contract (Arbeitsvertrag) before you can start working in Germany. As soon as your employer -to be- finalises the interview and selects you as their most suitable candidate for the position, they will hand over a work contract (Arbeitsvertrag) with you. It will cover all the details of the agreements of your employment contract. Employment contract types in Germany While unlimited or permanent employment contracts are the most common type of employment contracts in Germany, there are several other types of contracts that employers can offer to their employees. These alternative types of contracts provide more flexibility to employers and employees, depending on their specific needs and circumstances. Permanent contract (unbefristeter Arbeitsvertrag) Unbefristeter Arbeitsvertrag or a permanent contract is an unlimited contract that lasts as long as the employee can work in an organisation. It usually starts by a six month long probationary period. The contract may only be terminated if you wish to resign or if the employer finds a valid and legal reason to fire you Limited or fixed term contract (befristeter Arbeitsvertrag) These contracts are valid only for a limited period of time. Usually, these contracts are renewed on the completion of the term. However, if the employer chooses to end the contract after the completion of the period, there’s no chance to question back. However, a fixed-term contract can only be renewed for three times and not exceed two years. Minijob contracts These contracts are for under-skilled part time workers who only get paid below the average salary level. Usually the people who take a minijob contract are paid a salary of up to €450 per month. The employer pays just some or none of the health insurance contribution in a minijob contract. These payments are subsidised by the government. These contracts are usually popular among students looking for a working contract in Germany as well as expats who are under-skilled. Additionally, you are not obliged to pay the income tax or social security contributions if you are on a mini job contract. However, you have the same employment rights as permanent employees, such as sick benefits and additional holiday pay. Part-Time Contract (Teilzeitarbeitsvertrag): A part-time contract is a contract of employment where the employee works fewer or half the hours than a full-time employee. This type of contract is often used to provide flexibility to employees who cannot work full-time. Freelance contracts With a freelance contract, the employee is self-employed and provides services to the client on a project-by-project basis. Freelancers are not considered as employees and are responsible for their own taxes and insurance. The two types of freelancer employment contracts that are popular In Germany are : Work contract (Werkvertrag) A work contract outlines a specific task the freelancer agrees with the client. It mainly focuses on the task rather than the period of time they work for that specific client. For instance, a software developer freelancer may enter a work contract with a client to fix specific bugs in a code. The freelancer then gets an agreed one time payment in exchange. Services contracts (Dienstvertrag) A freelancer may offer their service to a customer in exchange for a remuneration in these types of contracts. The contract may detail specific obligations during the period of the contract, period of the agreement and conditions for the contract termination. For instance, a freelance photographer offering his service to a model. Finally, let it be any kinds of the contract mentioned above, while your employment contract will detail different areas of expectations from you, you may check it thoroughly to avoid any surprises. Below checklist may help you focus on a few very important aspects. Description on your role Your personal details Duration of the contract If you have a probation period Location of the employment Conditions for termination Remuneration Hours of working hours Bonuses Additional benefits such as valuable pay Perks at work such as free food, free travel and home office, etc. Annual holidays Pension scheme Travel expectations Any additional clauses Is it possible to get an English job contract in Germany? Certainly! You can definitely find job contracts in English in Germany, especially in industries where English is commonly used, like IT, finance, or international business. Many German companies, especially those with a global presence, are open to hiring non-German speakers and may provide contracts in English for better communication with international staff. If your employer doesn't offer an English version of the contract, you have the option to use official translation services, such as Beglaubigung24 DE. It is advisable to opt for professional translation services like this rather than relying on tools like Google Translate. Professional translation services ensure accuracy and precision, which is crucial when dealing with legal documents like employment contracts while apps like Google translate gives you a general word - by - word translation. What is the probationary period in Germany? In Germany, the probationary period in job contracts can vary depending on the type of job and the collective agreement or individual employment contract. However, the standard duration of a probationary period for most jobs is usually six months. During this period, both the employer and employee have the right to terminate the contract with a shorter notice period than would be required for a regular employment contract. This allows both parties to assess whether the employment relationship is a good fit without a long-term commitment. It's worth noting that the duration of the probationary period can be extended in certain cases, such as if the employee has been absent from work due to illness or if the employee takes parental leave. However, in general, the maximum duration of the probationary period allowed by law is usually six months. What is the job security in Germany permanent job contracts? Job security is a significant benefit of permanent job contracts in Germany. Permanent contracts are open-ended and provide employees with long-term job security as compared to fixed-term contracts or temporary agency work. Once a permanent employment contract is signed, the employer can only terminate the contract in cases of serious misconduct, such as theft or fraud, or if there is a valid economic or behavioural reason for termination. In such cases, the employer must follow a strict legal process and provide the employee with notice and severance pay. Moreover, permanent employment contracts provide employees with certain legal protections against discrimination and unfair treatment in the workplace. If an employee is subject to unfair treatment or discrimination, they can file a complaint with the relevant authorities or seek legal recourse through the courts. Overall, permanent job contracts in Germany offer employees greater job security and legal protections compared to other types of employment contracts. However, it's worth noting that the job security provided by permanent contracts is not absolute, and employers can still terminate the contract in certain circumstances. What are the working hours in Germany on part-time job contracts? In Germany, part-time job contracts have specific regulations regarding working hours. Part-time employees are entitled to the same employment rights and benefits as full-time employees, but on a pro-rata basis. According to the Part-Time and Fixed-Term Employment Act, employers must specify the exact number of working hours and the distribution of working time in the part-time employment contract. Employers must also ensure that part-time employees receive proportionate benefits such as vacation, sick leave, and other entitlements based on the number of hours worked. Additionally, part-time employees in Germany are entitled to specific breaks and rest periods. For instance, employees are entitled to a minimum of 30 minutes of rest after six hours of continuous work. Employers are also required to provide part-time employees with adequate rest breaks during the working day. Overall, the working hours for part-time job contracts in Germany are subject to specific regulations that ensure that employees receive fair treatment and benefits. Employers must comply with these regulations to avoid legal liabilities and ensure that their employees are satisfied with their working conditions. Finally, the Part-time and Fixed-term Employment Act in Germany permits employees to reduce their working hours, subject to specific requirements. The act also allows for a fixed-term "bridge" period of part-time employment with the right to return to full-time work. The legislation aims to prevent discrimination against part-time workers. The Caregiver Leave Act and Family Caregiver Leave Act allow employees to care for their relatives in need of nursing care at home for up to six months, while being partly or fully released from work. All employees, regardless of their employment type, are entitled to the statutory guaranteed minimum standards. Employers and employees can also agree on more favourable working conditions through individual employment contracts or collective bargaining agreements. Your Guide to Understanding Types of Employment Contracts in Germany: Frequently Asked Questions

As an expat myself in Germany since 2016, I have used Wise, formerly known as Transferwise, to send money home. Now that there are a handful of online money transfer services available, is Wise still up to par? In the past, I have used the international money transfer service offered by my bank in India to send money home and to my non-resident Indian (NRI) bank account when I moved to Germany to work. However, the service was miserable and sometimes took up to more than a week to get the transferred amount credited in the bank account in India. This usually happened during the holiday seasons. Wise, formally TransferWise was suggested to me by one of my cousins who lived in the UK back then and ever since I started using it, I never had to look for another money transfer service. What is Wise? Wise was founded in 2011 with the aim of making international money transfers cheap, fair and easy. Today, their multi-currency account is helping millions of people and businesses manage their money around the world. If you are interested, you can read a more detailed story about how, why and who built Wise on their website. Who needs a Wise account? Anybody who needs to transfer money to an international bank account can open an account on Wise. Your German bank may provide international money transfer service as an ad-on to your account. However, Wise claims to provide the cheapest and the fastest money transfer service. They are brave enough to list the live comparison on Wise money transfer rates with other major services on the homepage of their website. What services does Wise offer? While Wise focuses on international money transfer, they are also a registered payment institution in Europe. Which basically means that you can use a Wise account as your salary account, and use it the same way you use your German bank account. With Wise, you can hold and convert money in 50+ currencies. It only takes a few seconds to open a new account in the currency you need. Additionally, You can use the money in your multi-currency account to send to around 80 countries; all with just one account! The most attractive feature about wise is, it’s completely free! No subscription required. How fast is Wise? Wise’s money transfer speeds depend on several factors, such as the amount, currency pair, payment method, and bank processing times. However, Wise claims that most transfers are completed within one or two working days, and some can be even faster or instant. The following table shows some examples of how long it takes to send money from Germany to different countries using Wise, based on the information from their website. **As of drafting this article. As you can see, the transfer time varies depending on the destination country and the payment method. Generally, paying with a bank transfer is cheaper but slower than paying with a debit card, credit card, or Apple Pay. Also, some countries have faster or slower banking systems than others, which can affect the delivery time. You can always check the estimated transfer time before you confirm your transfer on Wise’s website or app. You can also track the progress of your transfer online or through the app and receive email notifications when your money is sent and received. How much does Wise charge? Wise charges a low and transparent fee that depends on the amount, currency pair, and payment method you use. The fee consists of a fixed fee and a variable fee that are calculated based on the mid-market exchange rate, which is the fairest and most accurate rate you can find. The following table shows some examples of how much it costs to send money from Germany to different countries using Wise, based on the information from their website. **Rates as of drafting this article. As you can see, the fee varies depending on the destination country and the payment method. Generally, sending money to countries with more popular or stable currencies is cheaper than sending money to countries with less popular or volatile currencies. Also, paying with a bank transfer is cheaper but slower than paying with a debit card, credit card, or Apple Pay. You can always see the exact fee and exchange rate before you confirm your transfer on Wise’s website or app. You can also compare Wise’s fees and rates with other providers using online tools like Finder. Our experience with Wise As mentioned above, I have been using Wise since 2016 and my wife uses it since 2018. We both never had any issues with wise until today. Every month, I transfer money to home using Wise and with most banks in India, it only takes just a couple of seconds to a couple of minutes to get the amount credited in the recipient bank account in India. In the last six years, I only had one issue with Wise. I transferred some money on 23rd of December and the amount was credited after the New year. As I recall, this incident happened back in 2017. Their transaction fees are also cheaper. In one instance, I sent a 12000€ payment to my sister in Dubai for a fee less than 80€, and it arrived the next day! What are the benefits of using Wise for expats in Germany? If you are an expat living in Germany or planning to move there, you might need to send money abroad for various reasons: to pay bills, rent, or mortgage in your home country; to support your family or friends; to save or invest; or to travel or shop online. Whatever your reason, using Wise can save you time and money compared to other options. Here are some of the benefits of using Wise for expats in Germany: You can send money from Germany to over 100 countries in more than 50 currencies, including euros, US dollars, British pounds, Swiss francs, Indian rupees, Turkish lira, and many more. You can get the best exchange rate possible without any hidden fees or markups. Wise uses the mid-market rate that you can see on Google or Reuters, which is usually much better than what banks or other money transfer services offer. You can pay low and transparent fees that depend on the amount and currency pair you are sending. For example, sending 1000 euros from Germany to the UK costs only 4.98 euros in fees (0.5%), while sending the same amount from Germany to India costs 9.90 euros in fees (0.99%). You can enjoy fast and secure transfers that usually take one or two working days, but sometimes even less than an hour. You can also track your transfer online or through the app and receive email notifications along the way. You can access your account online or through the app anytime and anywhere. You can also use biometric authentication (face ID or fingerprint) to log in securely. You can sign up for a Wise debit card that lets you spend in over 170 countries without any foreign transaction fees. The card automatically converts your balance into the local currency at the mid-market rate when you pay with it. The card has a one-time fee of 9 USD (7.62 EUR) and some other fees for ATM withdrawals and currency conversions. You can open a free multi-currency account that lets you hold over 50 currencies and switch between them whenever you want at the mid-market rate. You can also receive money from abroad for free in euros, US dollars, British pounds, Australian dollars, New Zealand dollars, Polish zloty, Singapore dollars, Romanian leu, Hungarian forint, Bulgarian lev, Czech koruna, Danish krone, Norwegian krone, Swedish krona, Turkish lira, UAE dirham, Ukrainian hryvnia. Disadvantages of Wise Honestly, my wife and I took a minute to think about the disadvantages of Wise and we couldn’t really find any. However, some people mention that the transfer to the US is slower than other providers. Nevertheless, we never had to transfer money to the US. Therefore, we do not know whether it was just the matter of a couple of transactions at a specific time period or all transactions have the same problem. Anyway, we think that there are a couple of more features which Wise could provide such as cashback for each transaction, point collection on each penny spent, investment options such as the ones services like Revolut provides, etc. If you already use Wise and identified any disadvantages of it, please comment below to help other expats. Wise referral program If you already have a Wise account, you can create a referral link from your Wise app and share with your friends. If 3 of your friends join Wise with the link you shared and transfer over 250€, you can get 90€ as a referral bonus instantly in your Wise account. Additionally, every friend that you invite to Wise will get a discount on their first transfer. Wise will also reward you for inviting a bunch of friends Finally, in our experience, Wise is one of the best money transfer services that we rely on in our daily life. With its transparent, cheaper and comparatively faster service, Wise keeps their users loyal to the company. We ask, however, that you understand how exchange rates work and how to find the best rate that works for your specific needs. Before making a transfer, check the rates on other providers as well and choose the best one in terms of fees as well as transfer time. Conclusion Wise is a great option for expats living in Germany or planning to move there who want to send money abroad at a low cost and a fair exchange rate. It offers fast and secure transfers to over 100 countries in more than 50 currencies. It also provides a debit card and a multi-currency account that let you spend and hold multiple currencies without any foreign transaction fees. However, Wise also has some limitations that might make it unsuitable for some expats. It does not offer cash delivery options, it requires you to have a bank account or card in Germany, it does not operate on weekends or public holidays, and it does not have phone support. Some FAQ we often get