Payback is a rewards program that can help expats in Germany save money on everyday purchases. It's easy to use and offers a wide range of rewards. You can earn points on groceries, gas, and other expenses. So why not sign up for an account today and start saving? One of Amex's most popular offerings in Germany is the Payback Card. In this article, we will provide a comprehensive overview of the Amex Payback Card, including its features, benefits, and drawbacks. Features of the Amex Payback Card The Amex Payback Card provides a variety of benefits. Some of the key features of this card are: Reward program: The Amex Payback Card offers a rewards program that allows users to earn points for every purchase they make. These points can then be redeemed for a wide range of rewards, including merchandise, travel, and statement credits. Welcome bonus: First-time cardholders are eligible for a welcome bonus of up to 10,000 points, which can be redeemed for valuable rewards. No annual fee: Unlike many other credit cards, the Amex Payback Card does not charge an annual fee. This means that cardholders can enjoy the benefits of the card without incurring any additional costs. Worldwide acceptance: The Amex Payback Card is accepted at millions of locations around the world, making it a convenient option for international travel. Customer service: Amex is known for its exceptional customer service, and the Payback Card is no exception. Cardholders have access to 24/7 support, and can take advantage of a variety of benefits and services, including travel insurance and extended warranty protection. Access to Travel and Insurance Services: The American Express Payback Card provides cardholders with access to a range of travel and insurance services, including travel accident insurance, emergency assistance, and travel services. This can provide added peace of mind when traveling and can help ensure that you are covered in the event of an emergency. Easy to Use: The American Express Payback Card is designed to be easy to use, with an intuitive interface and simple online account management tools. This means that you can easily keep track of your spending and manage your account from anywhere in the world. Benefits of the Amex Payback Card In addition to its features, the Amex Payback Card also offers several benefits to its users. Some of the key benefits of this card include: Generous rewards program: The rewards program offered by the Amex Payback Card is one of the most generous available. Cardholders can earn points for every purchase they make, and can redeem these points for a wide range of valuable rewards. No annual fee: The lack of an annual fee makes the Amex Payback Card an affordable option for consumers who are looking for a credit card that provides great rewards and benefits without additional costs. Worldwide acceptance: The Amex Payback Card is accepted at millions of locations around the world, making it a convenient option for international travel. Exceptional customer service: Amex is known for its exceptional customer service, and cardholders of the Payback Card can take advantage of 24/7 support and a variety of benefits and services. Is it possible to cash out my Payback points? You can cash out your Payback points on the Payback website. Before logging in, you must make sure that you are on the official website. You can also use the Payback app. If you go to www.payback.de/pb/bargeld, you will be able to cash out your Payback points. When you log in, you will be able to check your bank details. Ensure that the data is entered correctly. When you click on "Confirm", the payout process begins. From 200 points collected, it is possible to pay off the credit balance. The points are worth one cent each, so at least two euros must be paid out. There is no need to pay off the entire credit balance. Also, you can decide to cash out only part of your points and invest the remaining in Payback rewards. Credit balances are repaid relatively quickly. If your credit is approved the next day, it can be on your account the very next day. Usually, it takes one week for your credit to be approved. Drawbacks of the Amex Payback Card While the Amex Payback Card offers many benefits, it also has a few drawbacks that potential cardholders should be aware of. Some of the drawbacks of this card include: High interest rate: The interest rate on the Amex Payback Card is relatively high, which could make it an expensive option for those who carry a balance. Limited rewards redemption options: Although the rewards program offered by the Amex Payback Card is generous, the redemption options are limited. Some cardholders may find that they are unable to redeem their points for the rewards they want. Foreign transaction fees: The Amex Payback Card charges a fee for foreign transactions, which could make it an expensive option for international travel. Conclusion The Amex Payback Card is a great option for consumers in Germany who are looking for a credit card with a generous rewards program and a range of benefits. While this card has a few drawback.

One of the usual roadblocks every expat would hit sooner or later when they move to Germany is about transferring funds to a bank account in their home country from their German bank account. It might be a savings account you may not want to close or to help support family or friends; we got you covered! First stop: Online money transfers When it comes to transferring funds, online money transfers are cost-effective, faster, and more convenient. Unlike traditional banking, it does not incur additional costs such as handling charges. Wise - formally TransferWise In 2011, Wise launched with the goal of making international money transfers cheap, fair, and simple. Globally, millions of people and businesses use their multi-currency account to manage their money. Wise offers a multi-currency bank account which you can use as your everyday bank account to receive salary, pay rent, make online shopping, etc. With a Wise account, you get a physical debit card for free as well as unlimited virtual debit cards that you can use to pay online and use them as virtual debit cards in Apple Wallet and Google Pay, or even withdraw money at an ATM with NFC capabilities. It is possible to add money to your account in 19 currencies. These include AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HRK, HUF, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY and USD. The real exchange rate is always used when you convert money between any of the 50+ currencies in your account. You can also receive money in 11 currencies using your account details. A plus is that there are no fees associated with opening or maintaining an account. Revolut Just like Wise, Revolut too won’t ask you to visit a branch or bury you in paperwork. Opening an account in Revolut takes just less than a few minutes, and you can do everything straight from your phone. With Revolut, you can send and receive money in 30+ currencies with no hidden fees. Plus, transfers are almost always instant and free between Revolut friends anywhere in the world! Additionally, Revolut offers to fix you up with discounts and cash back offers from your favourite brands, so you can save when you spend. You just need to use your Revolut card when you shop. Revolut also offers splitting of bills with anyone, even if they’re not on Revolut. You just need to enter the numbers and Revolut will do the math. You can split bills from restaurant to rent. WorldRemit WorldRemit is another money transfer service that is simple, fast, secure, and low cost. They offer international money transfer and remittance services in over 130 countries and 70 currencies since 2010. Across 130 countries, WorldRemit supports 70 different currencies. With WorldRemit, you can send money overseas using bank deposits, mobile money, or cash pickups, making it convenient for your family and friends to receive the money. How to send money from a German bank account internationally? While different companies have different processes to do this, the general approach would be to Create an account Once you’ve done your research and decided which service to use, you need to create an account using your email address or phone number Documents required to create an account Valid passport Visa / residence permit Tax ID (optional) Add the details of the bank account where the money will be sent. After creating the account, you need to verify your identity. It can either be done through postident, or it can be done through a video chat with a representative. Upon verification of your identity, you can send money immediately after verification is complete. Add recipient Adding the recipient would be the next step. In order to do this, you would need their bank account number, their bank identification code (swift code or IFSC code, depending on the country where the bank operates), and the name of the recipient. The recipient details required may vary depending on the target currency and location. Send the money As soon as the recipient is added to your account, you can choose the amount to send. Depending on the app you use, you may receive a live currency exchange rate, a comparison with competitors, etc. Wise, for example, offers the option of locking the current exchange rate for a few hours. This means you can still transfer on the locked exchange rate even if the rate goes down. The process As soon as you finish the transfer, the app will make a request to your bank (the bank account you added while creating the account) to get the money from your bank to the app. As soon as the app gets a confirmation from the bank that the amount is available in your account, the app converts the equivalent amount to the target currency and transfers it to the target bank. Some apps wait until the transfer from your bank to the app is completed and money arrives to the apps account. This will take more time to complete your transfer and your money to arrive in the target bank account. Generally, the whole process could complete in seconds to days or even weeks in case of a holiday season or if the transfer is initiated on a weekend. Traditional money transfer If you are not into the online way of doing things, you still have the opportunity to transfer money the old fashioned way. You may approach your bank in Germany for a bank transfer or cash remittance services. We observed a handful of money exchange services like Western Union Money Transfer, etc. operating in Germany

In Germany, your first point of contact for any medical emergencies would be either your hausarzt or a general practitioner (GP). If a specialist needs to be consulted, your GP or hausarzt will refer you. In Germany, the healthcare system is based on a system of primary care, which means that your first point of contact for any medical emergencies would be your hausarzt or a general practitioner (GP). A hausarzt is a GP who is responsible for coordinating your healthcare needs and managing your overall health. If you experience a medical emergency or require specialist treatment, your GP or hausarzt will refer you to a specialist who is trained in treating your particular condition. This specialist may be located at a hospital or a specialized clinic, and your GP or hausarzt will work closely with them to ensure that you receive the appropriate care. In general, the German healthcare system emphasizes preventative care, which means that your GP or hausarzt will encourage you to maintain a healthy lifestyle and schedule regular check-ups to detect and prevent any potential health problems before they become more serious. This approach can help to minimize the need for more specialized treatment and ensure that you receive the most effective and appropriate care for your individual needs. How to find a personal doctor in Germany There are many websites listing doctors or Hausarzt. Simply google “hausarzt near me” or head to listing directories like Jameda or doctolib. You can either search with your zip code or your city. Additionally, If you are covered by the Gesetzliche Krankenversicherung (statutory health insurance), you can also use the doctor search in the KBV website. Select your state and the site will take you to the state specific page and there you can search with your zip code. Before visiting the doctor, make sure that you clarify whether they accept your insurance as some doctors only accept private insurances while most of the doctors accept all kinds of insurances. Read our article about different types of insurance in Germany. Visiting the doctor in Germany You can book an appointment simply by calling the doctor’s number or sometimes over their website. The listing directories like doctolib let you make an appointment through their website itself. You can even walk into a doctor’s clinic and get an appointment if it is an emergency. However, the waiting time might be longer than pre-booking an appointment. A common fact is, neither the doctor nor the receptionist cannot always be expected to speak in English. However, most of the doctors speak or at least try to speak in English to help you. If you have an emergency and are not getting a doctor’s appointment, don't hesitate to go to the emergency department in the nearest hospital. Most of the practices are closed on weekends and on public holidays. Therefore, ask them about their working hours and vacation plans in advance. If you are not sure whether your doctor’s practice is closed when in an emergency, try calling their contact number and usually there will be a recorded voice instructing you what to do next if they are closed. You always have to bring your insurance card with you during the visit. If you forgot your card, you might get a chance to pay and claim the money from your insurance provider at a later point of time. Some tips to find a Hausarzt in Germany Check your insurance: Make sure that your insurance policy covers visits to a Hausarzt, and find out which doctors are in your provider's network. Ask for recommendations: Ask friends, family members, and coworkers for recommendations for a good Hausarzt in your area. Use online directories: Search for Hausarzt directories online and look for doctors in your area. Look for reviews: Check online reviews for any Hausarzt you're considering. Websites like Jameda.de or Google reviews can provide helpful insights. Consider location and availability: Choose a Hausarzt who is conveniently located and has appointments available that fit your schedule. Consider their specialties: Some Hausarzt practices specialize in specific areas of healthcare, so look for a doctor whose specialties align with your health needs. Schedule a consultation: Once you've identified a few potential Hausarzts, schedule a consultation to meet the doctor in person, ask questions, and get a sense of their approach to healthcare. Remember that it's important to find a Hausarzt who you feel comfortable with, who you trust to manage your healthcare, and who is able to meet your specific healthcare needs.

As with other medical roles, dentists are in high demand in Germany. Whether you want to become a hygienist, dentist or orthodontist, Germany has plenty of opportunities for you. If you hold a foreign dental professional qualification, and wish to become a Dentist in Germany, you need an official, state-issued authorisation, known as "approbation". Approbation is an occupational license which is unrestricted throughout the country. In order to practice dentistry or open your own clinic in Germany, an approbation is mandatory. You can apply for recognition of this specialised professional title in Germany if you possess both a dental specialty qualification and a dental job specialisation. However, it is important to note that you must receive approbation as a dentist before applying for specialised title recognition. What does a Dentist get to do in Germany? A dentist examines patients, records their findings, diagnoses diseases of the teeth, mouth, and jaw, and teeth formation on anomalies. A dental treatment or intervention is prescribed based on the therapeutic measures. Dentists in Germany may work in dental practices, dental clinics, medical research and teaching, pharmaceutical industry, health authorities, insurance companies, and dentist’s chambers, etc. How can I become a Dentist in Germany? Mainly there are two options, Study Dentistry in Germany Move to Germany as an experienced Dentist or Dental specialist. Study Dentistry in Germany or Applying to medical school There are many promising higher education opportunities in Germany. A number of universities provide dental and medical services, mostly in large cities like Munich, Berlin and Frankfurt, but also in smaller cities like Essen. The German dental Schools offer both bachelor's and master's programs in Dentistry. The bachelor's program is eleven semesters long (ten semesters plus six months of work experience). The preclinical phase consists of five semesters, with a focus on natural sciences, medicine, and dental materials, as well as a preliminary dental exam. During the remaining five semesters, you will take lectures, seminars, and hands-on training in clinical research. Afterward, professional training in oral surgery, orthodontics, or public health may be required, with a three to four-year training period. It is similar to dental training in all other countries and ends with a state examination. Upon successful completion of the course, you can apply for the EU Blue Card to work in Germany. Do I need to learn German to study Dentistry in Germany? Since it is a medical field and upon completion of the course, you work closely with the people in Germany, it is necessary to have adequate German language knowledge. Initially, knowledge in the B2 - C1 level is required and while you complete the course, it is necessary to have a job specific German language skill. Move to Germany as an experienced Dentist or Dental specialist. The recognition of your professional qualification is likely to be required if you wish to move to Germany as an experienced dentist or dental specialist. In Germany, recognition is essential for many professions, including dentistry. It is impossible to work in these professions without recognition. Recognising your professional degree is a procedure, and there is a competent authority for every recognition procedure. Competent authorities check whether the professional qualification accrued in a foreign country is equivalent to German qualifications. If you are not from the EU, Iceland, Liechtenstein, Norway, or Switzerland, your profession is regulated in Germany and you are not permitted to work in Germany in this profession without recognition. If you learned your profession abroad or if you studied abroad at an institute of higher education or a university, and if you have successfully completed your training or degree, and your university certificate is either certified or recognized in any of the EU states, you can directly apply of a recognition and you have a high chance of passing the procedure. Otherwise, the recognition of your professional qualification is necessary for you to work as a Dentist in Germany. However, you do not meet all the requirements. This means that your application for recognition will probably be unsuccessful and you need to provide additional information or supporting documents for a successful recognition. How to apply for a recognition in Germany To understand the procedure easily, the information portal of the German government for the recognition of foreign professional qualifications by the Federal Ministry of Education and Research has prepared a very detailed documentation in English. Please note that this specific documentation is only for the candidates seeking to work in Munich. You can go to the Your place of work section and choose the city you wish to work in. This is because the recognition procedure is different in different states. As soon as your professional qualification is recognized in Germany, you can start applying to hospitals, medical universities, care homes, or basically any medical organisation that requires your qualifications. You can check LinkedIn, Glassdoor, or Indeed for openings as well as the websites of hospitals and other organisations. You have a specialisation on Orthodontist, Oral surgery or Public health system It is possible to apply for recognition of a specialised dental occupation title in Germany if you have obtained additional dental specialisation. However, prior to applying for a specialised recognition, you must already have approbation as a dentist. Depending on their specialisation, specialists perform different dental activities. Orthodontists, for instance, identify, prevent, or treat masticatory and jaw malformations. Depending on your skills and open positions, you may get to work in Dental clinics, Centers specialising in dental, oral and maxillofacial medicine, Medical and pharmaceutical research institutes, etc. if you are really skilled, you can even get into the German armed forces or Dentist’s chambers or medical associations too. The process of recognising dental specialisation in Germany The process is the same as recognising the dental degree and experience. Checkout the detailed process documented in anerkennung-in-deutschland.de. Applicants who do not intend to stay in Germany for more than two years can apply for a permit to temporarily practice dental medicine. The temporary permit to practice dentistry can only be granted upon application, which requires proof of completion of dental education and training. However, if the dental training took place in a member state of the European Union, another state party to the Agreement on the European Economic Area or in Switzerland, a provisional license is not required. Conclusion If you are a dentist from another country and you want to work in Germany, you have a good chance to find a job and have a nice life. But you need to work hard and follow some rules. You can either study dentistry again in Germany or show that you already know enough to work as a dentist. You also need to get a special permission from the government to practice dentistry in Germany. The article tells you how to do these things and why it is worth it to work as a dentist in Germany.

When you move to a new city, you may wonder how much it will cost to live there. The cost of living can vary a lot from town to town, but comparing your expenses to someone else's can give you a general idea of what to expect. It is also a good idea researching the cost of living in a particular city can help you make informed decisions about your budget and lifestyle. Germany is known for its strong economy and high standard of living, but what does it actually cost to live in Germany? In this article, let's take a closer look at the cost of living in Germany and what you can expect in terms of expenses. Before talking about the expenses, let’s take a look at the average salary in Germany. The average salary in Germany is around €47,000 per year, but this can vary depending on the industry, location, and level of education and experience of the individual. For example, a recent study showed that the average salary in the finance industry in Germany is around €80,000 per year, while the average salary in the retail industry is around €30,000 per year. We’ve published an article on how much a good salary in Germany looks like. Check it out to understand the minimum wages and different salary scales in Germany. There are many ways to categorize the cost of living. However, we will focus on the most common categories here to make it easier for you to understand. I have included my monthly expense calculator at the end of this article, so that you can easily compare your monthly expenses with someone who actually lives in Germany and get a glimpse of real life here. What is the average cost for accommodation in Germany in 2024? The price of housing in Germany can vary a lot depending on the type of place you want, where it's located, and what you're looking for. Here is a breakdown of the average cost for different types of housing in Germany: A one-bedroom apartment in a city center: The average cost of a one-bedroom apartment in a city center in Germany is between €800 and €1,500 per month. The exact price will change depending on where the apartment is located and what it's like. Rent in big cities like Berlin, Hamburg, and Munich is usually more expensive than in smaller cities or rural areas. A one-bedroom apartment outside of a city center: The average cost of a one-bedroom apartment outside of a city center in Germany is between €500 and €1,000 per month. The exact price will change depending on where the apartment is located and what it's like. A room in a shared apartment: Renting a room in a shared apartment in Germany is a good way to save money. The average cost of a room in a shared apartment in Germany is between €300 and €800 per month. The exact price will change depending on where the apartment is located and what it's like. What is the average electricity cost in Germany in 2024? The cost of electricity in Germany varies depending on the region and the provider. However, in general, it is around €0.30 to €0.40 per kilowatt-hour (kWh). This means that a typical German household will pay around €70 to €120 per month for electricity. Here is a table of the average electricity costs in Germany in 2024: There are a number of ways to reduce your electricity costs. These include using energy-efficient appliances, implementing energy-saving measures, and switching to a new provider. In the article Which is the Best electricity provider in Germany and how to change?, we compare different electricity providers in Germany in terms of the cost, English support, and many other criteria. Don't forget to check it. What is the average heating cost in Germany in 2024? The average heating cost in Germany in 2024 can vary depending on different factors. The size of the home: The larger the home, the more it will cost to heat. The type of heating system used: Gas heating systems are typically the most expensive to operate, followed by oil heating systems and then electric heating systems. The location: Heating costs can vary depending on the region of Germany. Homes in colder regions will typically have higher heating costs than homes in warmer regions. The weather: Colder winters will lead to higher heating costs. Energy prices: Energy prices can fluctuate, which can affect the cost of heating. On average, a typical German household can expect to pay around €500 to €1,500 per year for heating expenses. What is the average internet cost in Germany in 2024 The average cost of internet in Germany in 2024 can range from €20 to €50 per month, depending on the type of service and speed. Cost of Basic Internet Services For basic internet services with speeds of up to 100 Mbps, you can expect to pay around €20 to €30 per month. This is usually sufficient for basic activities like checking email, browsing the web, and streaming videos in standard definition. Cost of Faster Internet Services For faster internet speeds and more premium services, such as unlimited data usage, you can expect to pay around €40 to €50 per month. These plans are ideal for users who frequently stream high-definition videos, download large files, or play online games. What is the average cost for Food and Groceries in Germany in 2024? Eating habits, dietary requirements, and lifestyle can all have a significant impact on the average cost of food and groceries in Germany. However, here are some estimated average costs for food and groceries in Germany: Groceries : The average cost of groceries in Germany would be around €200 to €400 per month, depending on the individual's eating habits and dietary requirements. Fresh fruits and vegetables, dairy products, meat, and bread are generally available at reasonable prices in Germany. Dining Out : Dining out in Germany would be around €15 to €30 per person per meal, depending on the type of restaurant and location. Fast food and street food are generally cheaper than sit-down restaurants, while gourmet restaurants and high-end eateries can be more expensive. What is the average transportation cost in Germany in 2024? Transportation costs in Germany vary depending on the mode of transportation, region, and individual needs. Here's a breakdown of the average costs for different types of transportation in Germany: Public Transportation: Public transportation is a convenient and cost-effective option for many people in Germany. The average cost of a monthly public transportation pass ranges from €40 to €120, depending on the city and the type of pass. Monthly passes are usually available for a discounted rate, and there are also various discounts and deals available for different groups of people, such as students, seniors, and people with disabilities. Taxis: Taxis are a more expensive option than public transportation, but they can be a convenient choice for shorter trips or for traveling during late-night hours. The average cost of a taxi in Germany is around €2 to €4 per kilometre, although the exact cost can vary depending on the city and the time of day. Additionally, there is usually a starting fee of around €5 to €10. Own vehicle : Owning a car in Germany can be more expensive than using public transportation or taxis. The average cost of owning a car in Germany is around €200 to €400 per month, including expenses such as fuel, insurance, maintenance, and parking. The exact cost can vary depending on the type of car, the driving habits of the owner, and the region. What is the average insurance cost in Germany in 2024? The average cost of insurance can vary depending on the type of insurance, your age, and other personal factors. Here are some average costs for different types of insurance in Germany: Health Insurance: On average, health insurance in Germany costs around €100 to €180 per month, although the exact cost can vary depending on the type of coverage and the insurance company. Everyone who lives and works in Germany is required to have health insurance. Car Insurance: The average cost of car insurance in Germany is around €600 to €1,500 per year, although the exact cost can vary depending on the type of vehicle, driving history, and other personal factors. Home Insurance: The average cost of home insurance in Germany is around €100 to €600 per year, although the exact cost can vary depending on the value of the property, location, and other personal factors. Life Insurance: The average cost of life insurance in Germany is around €20 to €50 per month, although the exact cost can vary depending on the type of coverage, age, and other personal factors. It's worth noting that insurance costs in Germany can vary greatly depending on the type of coverage and the insurance company, so it's important to compare prices and select the best option for your needs. Additionally, there are various discounts and deals available, so it's a good idea to research and compare the different options before making a decision. How much will loans cost on average in Germany in 2024? The average cost of loans in Germany in 2024 can vary depending on the type of loan, the lender, and the borrower's credit score and financial history. Here are some average costs for different types of loans in Germany: Personal Loans: The average interest rate for personal loans in Germany is around 2% to 4%, although the exact rate can vary depending on the lender and the borrower's credit score. The overall cost of a personal loan can be estimated by multiplying the loan amount by the interest rate and dividing by 12 to get the monthly payment. Mortgage Loans: The average interest rate for mortgage loans in Germany is around 1% to 2%, although the exact rate can vary depending on the type of mortgage, the lender, and the borrower's credit score. The overall cost of a mortgage loan can be estimated by multiplying the loan amount by the interest rate and dividing by 12 to get the monthly payment. Car Loans: The average interest rate for car loans in Germany is around 2% to 4%, although the exact rate can vary depending on the type of loan, the lender, and the borrower's credit score. The overall cost of a car loan can be estimated by multiplying the loan amount by the interest rate and dividing by 12 to get the monthly payment. It's worth noting that the cost of loans in Germany can vary greatly depending on the type of loan, the lender, and the borrower's financial history, so it's important to compare prices and select the best option for your needs. Additionally, there are various fees and charges associated with taking out a loan, so it's a good idea to review the terms and conditions carefully before making a decision. What is the average cost for Leisure and Entertainment in Germany in 2024? The average cost of leisure and entertainment in Germany in 2024 can vary greatly depending on the individual's interests and lifestyle. However, here are some estimated average costs for leisure and entertainment in Germany: Cinema: The average cost of a movie ticket in Germany is around €10 to €15, depending on the location and time of day. Theatre: The average cost of a theatre ticket in Germany is around €30 to €50, depending on the performance and location. Sports: The average cost of a gym membership in Germany is around €30 to €70 per month, depending on the gym and location. Other sports activities, such as football or basketball games, can range from €10 to €50 or more, depending on the event and location. Music: The average cost of a concert ticket in Germany is around €30 to €100, depending on the performer and location. Museums: The average cost of a museum admission in Germany is around €5 to €15, depending on the museum and location. It's worth noting that the cost of leisure and entertainment in Germany can vary greatly depending on the individual's interests and lifestyle, so it's important to budget accordingly and keep track of spending. Additionally, there are often discounts and deals available for various leisure and entertainment activities, so it's a good idea to research and compare the different options before making a decision. What is the average tax in Germany? Depending on a person's income and other factors, the average tax in Germany in 2024 will vary greatly. However, here is some general information on taxes in Germany: Income Tax: Germany has a progressive income tax system, which means that people with higher incomes pay a higher tax rate. The average income tax rate in Germany in 2024 ranges from 14% to 42%, with a special 45% rate for income above €260,000. Value-Added Tax (VAT): Germany also has a value-added tax (VAT), which is a consumption tax that is included in the price of most goods and services. The standard VAT rate in Germany in 2024 is 19%, although there are reduced rates of 7% and 0% for certain goods and services. Social Security Contributions: In addition to income and value-added taxes, most people in Germany are required to pay social security contributions, which help to fund various social welfare programs, such as pensions and health insurance. The average social security contribution rate in Germany in 2024 is around 13.5% to 15.5% of an individual's income, depending on their insurance coverage. It's worth noting that taxes in Germany can vary greatly depending on a person's income, insurance coverage, and other factors, so it's important to research and consult a tax professional for more detailed information. Additionally, there are often tax breaks and deductions available for various expenses, such as education and housing, so it's a good idea to take advantage of these opportunities to lower your overall tax bill. Our article on What expats need to know about German tax and tax classes will give you a thorough understanding about different tax classes in Germany and how you can benefit from the annual income tax returns. Therefore, make sure to check it out. Additionally, you can use an online German tax calculator to calculate your tax returns at the end of the year. Real life expenses I used Google Sheets to create a monthly house expense calculator and below is a screenshot of it. In this example, I am trying to give you an idea of how much a family of three spends a month. In conclusion, the cost of living in Germany in 2024 is relatively high compared to other countries, but it's worth it given the country's strong economy, high standard of living, and excellent public services. If you're planning to move to Germany, it's important to carefully consider your expenses and budget to ensure that you have enough money to live comfortably.

From finding the right living space, signing the contract, to keeping yourself away from scammers, there are several essential factors to take into consideration when searching for a rental property in Germany. Finding a place Real estate portals (Immobilien portals) The best and most popular way to find a place to live in Germany is to make use of the many real estate portals listing apartments, rooms and single houses. All of them operate in a freemium way by providing the best service with a free account and exclusive services like early notification of a new listing and direct contact to the landlord, etc on a paid account. To start with, you can depend on the free account. See if the listing satisfies your requirements and you are getting feedback from the advertisers. You can think about upgrading to a paid version if necessary at a later point in time. On some websites, the paid version offers additional services like free Schufa or priority contact to the advertiser or landlord. Wunderflats Wunderflats is an online booking platform that offers a comprehensive range of fully furnished apartments and flats for rent. The platform specialises in long-term stays of 30 days or more, providing an excellent option for professionals, students, and expats looking for flexible and convenient housing solutions. Wunderflats provides high-quality images and detailed descriptions of each property, giving renters an accurate representation of what to expect before they book. Additionally, the platform offers personalised assistance to help renters find a home that meets their specific needs and requirements, making the renting process as smooth and hassle-free as possible. Immobilienscout24 Being one of the largest real estate platforms in Germany, Immobilienscout24 has a variety of listings from single room apartments to big houses. Their program offers you both free as well as paid accounts with different services. Immobilienscout24 also lists properties to sell. If you are looking to buy an apartment or house, you can use the platform to find the right one for you. Mrlodge Mr. Lodge is a German real estate agency that specializes in furnished rentals, including apartments, houses, and rooms. They offer a wide range of properties in cities such as Munich, Berlin, Frankfurt, and Hamburg. Mr. Lodge provides comprehensive service, including property viewings, contract negotiations, and move-in assistance, making the rental process as stress-free as possible. While portals like Immobilienscout24 lists both furnished and unfurnished properties, Mrlodge offers furnished apartments. If your stay in Germany is not for a longer period, Mrlodge would be your best choice to find quality furnished properties at a reasonable cost. Relocation agencies When real estate portals come handy and flexible, you can still consider the old fashioned way. There are several relocation agencies in Germany that will help you not only to find a property, but they also offer other services like help you get your residence permit, driving license, find a school for your German training, etc. Unlike real estate portals, their service comes with a fee. However, you’ll get service from trained professionals. TM-Relocation In the last 25 years TM Relocation Services GmbH has successfully established itself in the world of relocation. The company was founded in 1996 and initially concentrated its efforts on and around Munich. More and more locations were added eventually. TM Relocation is currently present in the following cities and their surrounding areas: Munich, Berlin, Dresden, Düsseldorf, Frankfurt, Hamburg, Leipzig, Nuremberg, Mannheim and Stuttgart. If you are moving to Munich or Bavaria, check out this list of relocation services published by muenchen.de; the official citizen’s portal in Munich. https://www.tm-relocation.de/en 🔗 Documents required to rent an apartment in Germany Once you found your dream property and made an appointment with the advertiser, generally you don't have to bring any documents while visiting the apartment. However, we prefer you to keep the below documents with you just in case the landlord / agent asks you for. Copy of the passport (you + the persons moving in) Salary slip for last three months (if available) Bank statement for last three months (if available) Schufa (if available) Most of the time, the person inviting you to view the apartment would have a form which you need to fill in. They may have invited other parties like you for a viewing. They’ll collect the documents and select the most satisfying party for them. Don't worry if you missed the apartment you liked a lot. There are plenty of options out there and a better one will come for you. What to consider before signing a rental agreement in Germany? We hate to read the terms and conditions for any purpose, whether to install a software or to apply for a loan. However, you need to make sure that the below listed points are correctly included in the contract. Correct address including house number and a description about the property The owners name and contact address Tenure of the tenancy Deposit amount, monthly rent and the date of payment How much and on what frequency the rent will increase What are included or excluded from the rent (nebenkosten / additional costs) Notice period when leaving the apartment In case of furnished apartments, what furnitures, appliances, etc are in the property Any damages in the property such as break on the wall, damaged floor or appliances, etc. Information about the garage (if available) House rules such as how many additional people can stay or whether smoking or pets are allowed, etc. Additionally, if you want to add any points in the contract, please make sure that your points are added before you sign the contract. Packing and moving You need to think about packing and moving from the time you look for a place. How far is the new apartment from where you currently live, how do you move your stuff to the new place, how much does the move cost, etc. According to how much stuff you’ve got to move and how far is your new property, you need to decide whether you need to seek help from a relocation agency or you can simply move the stuff by yourselves. If you need help from a moving company, below are some popular ones. Sanelo Sanelo has been helping people relocate locally as well as internationally for more than 130 years. With their experience and expertise they can help your relocation smoothly. They have 69 offices in 38 countries around the world! Movinga Thanks to modern technology combined with experienced moving experts and optimized workflows, Movinga offers great moving experiences. As Europe's leading moving provider, Movinga can take care of the planning while one of their local moving partners will take care of your move. Is house insurance mandatory in Germany? House insurance, also known as homeowners insurance, is not legally required in Germany. However, it is highly recommended to protect your property from damages, such as fire, water, or theft. It is especially important if you have a mortgage on your property, as most lenders require you to have insurance coverage. Even if you own your home outright, unexpected damages or accidents can be costly, and having insurance can provide peace of mind and financial security. It is essential to carefully review insurance policies and understand what is covered before purchasing a plan. In some cases, additional insurance coverage may be necessary, such as flood insurance in areas prone to flooding. Apartment Maintenance Requirements in Germany When you rent a property in Germany, you are not responsible for the maintenance of the property. The maintenance is the headache for the landlord. However, you are responsible for maintaining the property at its original state when you terminate the contract or move out. Even though it is not regulated by law, you are obliged to return the property in its original state when moving out. Most of the contracts would contain a clause stating that you need to clean, repair and repaint the property when terminating the contract if you live there for a certain period of time. The landlord will use a portion of your caution deposit to return the property to its original state otherwise. Beware of Real Estate Scammers in Germany! Unfortunately, there are a lot of scammers in this area in Germany. Therefore, if you feel something is not right, you might be right. Scammers usually ask you to transfer a deposit or caution deposit or initial amount to block the apartment or visiting slot for you before you make a visit to the apartment, you should avoid it. Can you Sublet and apartment in Germany? Being expats, many of us would want to visit our home country, parents and friends at least once a year. You may want to sublet your property while you are away and make a bit of a side income. It is also a nice idea to keep the apartment clean. If you plan to sublet your property to a third person, make sure that your clearly state the rules for subletting. While most of the landlords don't let you do it, you can still negotiate a term with your landlord and include a clause in the contract. How to end a rental contract in Germany? When it's time to leave the apartment, make sure to inform the landlord well in advance to avoid any confusions or clashes. Make sure that you clean the apartment, repair any damages and repaint if that's stated in your contract. You can do all these stuff by yourself with the help of your friends or family. Otherwise, hire a cleaning agency who can do it for you. There are many cleaning services out there offering their services at a cheaper cost. Most of them have customised plans for move out cleaning as a package. The whole process may seem tiring and overwhelming. However, we hope our tips help you make it organise in a better way. Good luck with your house hunt! FAQ about how to find an apartment in Germany

You can apply for your Schufa report on meineschufa.de. It explains your creditworthiness In general, the Schufa score values ​​indicate the probability of how you meet the payment obligations in the future. With the so-called base score , an industry-independent assessment of your creditworthiness is carried out. Your probability of fulfilment is shown as a percentage - i.e. an assessment of how likely it is that you will make the payments as contractually agreed. This percentage is always recalculated on a quarterly basis - with numbers close to 100 corresponding to a great position and optimal creditworthiness. The Schufa reference value In addition to the base score, there is something called the Schufa reference value / Schufa Orientierungswert. This value range shows how good your credit rating is. It is calculated at the time the Schufa credit report is generated. The respective numbers in detail: 100-190 : There is no payment history information about you. So you have a low risk of payment difficulties. 200-299: There is no information on payment problems here either, but you have a slightly increased risk of payment problems. 300-499: There is no information on payment problems here either, but your risk of payment problems is rated as greatly increased. 500: Information about payment disruptions is available here. 600: Information from public registers of debtors is available here, e.g. in insolvency proceedings. The Schufa reference value is created from the weighted average of the Schufa industry score. Schufa has developed different scoring models for different industries. It was taken into account that your payment probability when buying a car can be different than when buying on account by mail order. Here for example the bank score or the mail order/eCommerce score. The value ranges from 9999 (rating level A, here there is the lowest risk of non-payment) to 0 (rating level P, highest risk of non-payment). Can I delete a Schufa entry? There could be chances that negative entries are stored in your Schufa record. In that case, you should first apply for your free self-disclosure from Schufa and check the data that has been stored about you. Check this article to see how you can get a free Schufa report. If you notice some incorrect entries, you have the right to have it corrected. These entries must be blocked by Schufa while the information is being checked. However, this does not actually delete the affected entry immediately. You can only have them corrected. They are then automatically deleted 3 years after completion. In the long term try to improve your credit rating by not overdrawing your overdraft facility as often and make sure that your expenses are not higher than your monthly income. Maybe it's high time you should seriously think about your financial habits too! By the way, if you are looking for an apartment, 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

The Schutzgemeinschaft für allgemeine Kreditsicherung or simply Schufa is a record of your creditworthiness record created and maintained by Germany’s biggest credit agency; Schufa Holding AG. Before you jump in to apply for Schufa, 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. What is Schufa or a credit score? Schufa or how likely you are to repay a debt, is a major factor in whether you'll be approved for a credit card, an auto loan or a mortgage. It accounts for your debt, your credit history and your ability to pay back loans. Generally, the banks will check your Schufa score when you apply for a loan or any kind of credit. In Germany, the landlords will always ask you to provide up to date Schufa information when you approach them to rent an apartment or house to make sure that you have a good reputation repaying the debts. Your Schufa record is automatically created when you register in Germany. Your credit score from the country you previously lived does not influence your Schufa score in Germany. How to apply for Schufa? The easiest way is to order a Schufa Bonitätsauskunft from meineschufa.de; the official portal of Schufa holdings AG. Register on the meineschufa portal and create your account. You’ll then be able to request Schufa from the portal. Additionally, you can also reach out to 0611 – 92780 and request the Schufa Bonitätsauskunft. They may ask you to send your visa or residence permit information to check the personal information and send you a link which you should open to make an online payment. You’ll then receive your Schufa Bonitätsauskunft in post within 2 - 4 business days. When you order Schufa, make sure that your report is up to date and remember to opt in for an online download. Additionally, real estate websites such as Immobilienscout24.de offers Schufa service. You can simply go to the website, fill in an online form and make payment using your credit / debit card and order your Schufa. Schufa information usually costs 29,95€. However, the cost differs if you opt in for additional plans. All your credit information is governed by GDPR (German Data Protection Act). Therefore, you can trust that your information will not be shared or sold to a third party. It is an important task to maintain a good Schufa history when you live in Germany. As already stated, you’d require to present your Schufa information for many purposes

Scams involving rental apartments are becoming more prevalent as the rental market in major German cities becomes more competitive. What can you do as an expat in Germany to avoid becoming a victim of these scams? I was in search of a new apartment in Munich after the arrival of our baby in 2021. A fake advertiser contacted me offering a rather costly apartment for a lower price in a relatively expensive area. As I read the emails received from the advertiser, I understood the scam and played him a little bit. After a couple of emails with me, he should have realised that I found out about his foul play, so he stopped contacting me. Beware of fake advertisers in Germany A common scam involves advertising for apartments that don't exist. It has been found that these types of scams ads appear on all of the major rental portals, including Immowelt and immobilienscout24. In order to attract potential victims, fraudsters often advertise apartments for surprisingly low rents in relatively hot areas. It might be a good idea to be skeptical if the rent offered is much lower than similar offerings in the same area. Additionally, read the description carefully and compare it with the images in the advertisement. There is a high chance that the advertisement is fake if the images and the description contradict each other. Furthermore, do your research before contacting the advertiser for a viewing appointment. A fraud involving an advance payment The practice of requesting advance payments is particularly prevalent in Germany. Often fraudsters request the victims to transfer a portion of the deposit to their bank account or PayPal in order to offer a viewing. They convince you by telling you that the deposit is to filter and reduce the number of people coming for the viewing. In addition, you will be told that if the apartment isn't offered to you, the money will be refunded. You should never pay anything before the contract is signed. No legit owners ask you to pay in advance before signing the contract. Unless you are absolutely sure that the owner is legit, do not pay by cash. Instead, use bank transfers. It is very unlikely that you will get your money back if you pay in cash or use another form of money transfer. Taking advantage of your identity This is what I was asked to do by the fake advertiser. They do not ask you to transfer money to a bank account abroad. You are instead asked to provide copies of your passport, visa, pay stubs, and bank statements. Additionally, you will be asked to send a picture of yourself holding your passport or national ID and claim that this is for verification. This personal information can then be used by fraudsters to open bank accounts, obtain loans, apply for credit cards and leave you high and dry. These kinds of scams are very difficult to identify at an early stage as some of these documents are often requested by landlords and other real estate agencies before preparing the contract. Therefore, it is recommended that personal documents are not shared unless the landlord specifically requests them. Make sure that the person asking for your passport and visa is trustworthy before sharing them. What should I do if I believe I have been scammed? If you are contacted by a scammer, or if you’ve come across a potential fake advertisement on an online portal, make sure to report it at the earliest. Thus, you are probably taking precautions to ensure your safety and that of others using the platform as well In the event that you have been the victim of a scam, you should contact the police immediately. You can either walk into a nearest police station or file a complaint online. Are online real estate platforms safe in Germany? If you ever had to find an apartment in Germany, you may already know that online platforms like immobilienscout, or immowelt, etc are the most affordable and widely used platforms. While these platforms offer a ton of options, there often appears many fake as well as scam advertisements. Unfortunately without these platforms take the first hand to maintain the quality of the advertisements, we as consumers can only be alert on every ad we open. On the other side, Wunderflats is one of the new generation real estate portals in Germany offers apartments that are verified by the Wunderflats team. If you are looking for a short stay, they offer furnished apartments on a flexible contract. Additionally, they also let you take a visit to the apartment before you signing the contract. Additionally, Wunderflats is one of best rated apartment finder in Trustpilot across Germany. Some frequently asked questions (FAQ) about the rental scams in Germany

Parents have the responsibility and obligation to take care of their children in Germany, just like any other countries. However, in Germany, local communities and government agencies play a crucial role in safeguarding children and young people from parental neglect and abuse. Germany's child protection system explicitly states that children must be able to develop as healthy as possible. In order to ensure their well-being, they need to be cared for and protected from all threats. It is the parents' responsibility to ensure that their children's fundamental rights are protected. It is the state's responsibility to ensure that parents perform this task adequately. A court can take away custody of a child from their parents if they fail to protect the child repeatedly. A court will only do this if it is necessary for the welfare of the child and there is no other way to protect them from danger or abuse. Withdrawal of custody of a child in Germany Any situation that jeopardises a child's well-being, both physically and emotionally, could result in the forfeiture of parental custody. This is not limited to physical violence, but if the parents are neglectful in terms of the child's welfare, then a judge can decide to withdraw the custody from them. This includes not feeding the child properly, not getting medical attention for the child, or allowing the environment to be hazardous. A parent who is negligent in keeping their own children safe may lose custody rights. The courts and the Department of Social Services remain responsible for assessing the case. Physical violence as well as verbal abuse can trigger the authorities. It is important to note that verbal violence towards the child is not the only form of abuse; a conflict between the parents that escalates to shouting and verbal violence can affect the welfare of the child and put it at risk. Losing custody of the child has nothing to do with the parent’s religion or nationality. In the past, many German parents have lost custody of their children due to negligence. Every EU member country agrees on the protection of children. However it is implemented differently in different countries. Child protection system is very stringent in the Scandinavian countries. What happens when the child is taken away from the parents in Germany? Initially, the children are taken to a care center or nursery. In some cases however, they are handed over to foster families later. Pflegefamilies are families that take care of children professionally. It is, however, not an easy process to remove a child from its parents. The children's family must be in very difficult conditions to reach this point. A number of meetings are held with the parents, who are counselled to change the way they treat their children. When circumstances call for a speedy withdrawal, the Social Services Department will assist the police. There are cases in which children should be taken away from their parents until a court decision has been made, and the Social Services department will be in charge of the child until the case has been decided. Losing custody of the child has nothing to do with the parent’s religion or nationality. In the past, many German parents have lost custody of their children due to negligence. Getting custody of the child back in Germany. In the event that the parent loses custody of the child, there are often legal avenues to try and get custody back. To restore custody of the child, the parents can go to the court and object to the actions of the police or social service department. You need to have a lawyer and the lawyer can negotiate the terms with the court. It is however recommended to have a lawyer insurance before reaching out to one. After losing custody of a child in Germany, am I allowed to see my child? If a parent loses custody of their child in Germany, they may wonder if they are still allowed to see their child. In most cases, the answer is yes. However, there are some exceptions. If the reason for losing custody was related to harassment or sexual exploitation of the child, the parent may not be allowed to have contact with the child. In such cases, the court may issue a restraining order to protect the child from any potential harm. If the reason for losing custody was not related to harassment or sexual exploitation, the parent may still be allowed to see their child. In fact, the court may even encourage regular visitation to help maintain a healthy relationship between the parent and child. It's important to note that the specific terms of visitation will be determined by the court on a case-by-case basis. The court will consider the best interests of the child when making decisions about custody and visitation. In some cases, the court may require supervised visitation, where a third party is present during the visits to ensure the safety and well-being of the child. Overall, losing custody of a child in Germany does not necessarily mean that a parent will never see their child again. However, it's important for parents to understand that the court's priority is to protect the best interests of the child, and visitation may be restricted in certain circumstances. Legal references to the child protection rules in Germany Below are some references to the legal aspects of child protection in Germany that may be useful for those seeking more detailed information: The Child and Youth Welfare Act (Kinder- und Jugendhilfegesetz - KJHG): This act is the main legal reference for child protection in Germany. It sets out the responsibilities of various agencies and authorities in safeguarding the welfare of children, and covers a wide range of issues related to child abuse and neglect, child welfare services, child custody, and juvenile justice. The Criminal Code (Strafgesetzbuch - StGB): This code contains provisions that address crimes against children, such as child abuse, sexual exploitation of children, and child pornography. It provides a legal basis for prosecuting offenders and sets out the penalties for these crimes. The Civil Code (Bürgerliches Gesetzbuch - BGB): This code contains provisions on family law, including child custody and visitation rights. It outlines the legal framework for determining custody arrangements and visitation schedules in cases where parents are separated or divorced. The Family Court Act (Gesetz über das Verfahren in Familiensachen und in den Angelegenheiten der freiwilligen Gerichtsbarkeit - FamFG): This act sets out the procedures for family court proceedings, including those related to child custody and child protection. It provides a framework for resolving disputes between parents and establishing custody arrangements that are in the best interests of the child. The Federal Child Protection Act (Bundeskinderschutzgesetz - BKiSchG): This act was introduced in 2012 and strengthens the legal protections for children in Germany. It includes provisions for preventing child abuse and neglect, improving child welfare services, and ensuring that children's rights are upheld in all legal proceedings. Overall, these legal references provide a comprehensive framework for protecting the welfare of children in Germany. They establish the responsibilities of various agencies and authorities in safeguarding the interests of children, and provide a legal basis for prosecuting offenders and resolving disputes related to child custody and child protection. German Civil Code Section 1666 Judicial measures in the event of endangerment of the child's well-being German Civil Code Section 1666a BGB Principle of proportionality; Priority of public aid

At some point in our expat lives, at least some of us will decide to return home or to a better place for good reason. However when it comes to expats in Germany, like you’ve done it when you arrived here the first time, there are certain processes to follow when you leave the country to avoid future bureaucratic headaches. Are you an expat who is planning to leave Germany soon? Whether you are moving to another country, going back to your home country, or just taking a break from Germany, there are some important steps that you need to take before you say goodbye to this beautiful country. In this guide, we will provide you with a comprehensive checklist of what to do when leaving Germany, covering everything from notifying your employer and canceling your contracts to selling your belongings and booking your flight. We will also give you some useful tips and links for each step to make your departure as smooth and hassle-free as possible. Let’s get started! How to Deregister from the city hall and get a confirmation letter An important thing that you need to do when leaving Germany is to deregister from the city hall (Bürgeramt) where you live and get a confirmation letter (Abmeldebescheinigung). This is mandatory by law and must be done within two weeks before or after you leave Germany. If you fail to do this, you might face fines or penalties. You will need to fill out a deregistration form (Abmeldungsformular) and bring it along with your passport and residence permit (if applicable) to the city hall. You can also send the form by mail or email if you cannot go in person. You will receive a confirmation letter that proves that you have deregistered from Germany. Here are some tips and links for this step: Go to the nearest city hall where you can deregister. To download the deregistration form in English or German, you can use this link. Find the guidance to fill the deregistration form here. What Happens If You Don’t Deregister In Germany? A person must deregister when they move abroad permanently. In the event you fail to deregister when leaving the country permanently, whether on purpose or not, you could be fined up to 1.000 euros. Additionally, the authorities may consider you still as a resident in Germany and make you liable to pay taxes. Your health insurance may still charge you as you need to have mandatory health insurance while in Germany. I forgot to deregister in Germany when I left. What to do now? If you left Germany without deregistering your address here, you still have the possibility to send the deregister application from the place wherever you are through post to the city or town where you lived in Germany. You must also send copies of the passports of all persons who lived with you along with the application form. As we know, there are no fines for late deregistration. However, your local citizen’s office will be able to give you a precise answer to that. Opt in for a mail forwarding service It would be a good idea to set up mail forwarding with the Deutsche Post before moving out. Even though you are not expecting anyone to send you a post after you’ve left, there could come some confirmation letters for a service that you canceled or a notice for a service that you forgot to cancel due to missed payments. Deutsche Post offers mail forwarding service within Germany as well as internationally for a fee for up to 12 months. You can either visit a branch and request mail forwarding or do it online in deutschepost.de. Deregister From TV and Radio Tax (Rundfunkbeitrag) When you register in Germany for the first time, your data is sent to ARD - ZDF and they will onboard you automatically for the TV and radio tax in Germany. However, when you deregister from Germany, it's your responsibility to deregister from the Rundfunkbeitrag. To deregister from Rundfunkbeitrag, you can go to their “Abmelden” portal and fill the form. You also need to upload your deregister confirmation from the BürgerBüro as proof. If you don't deregister, they will continue to charge you for the TV and radio license fee. While you are waiting for the last week of your stay in Germany, you are required to do some other things too. Perhaps, you need to start the preparation at least 2 to 3 months before. Make sure the necessary people are informed in advance As you may already know, in Germany you cannot end a contract in a short time. You are expected to inform the necessary people way ahead before the date you actually want to end the contract. Send the notice to your landlord The German rental contracts in general demand a three-month notice period to allow the landlord time to find a new tenant. However, some landlords may let you leave early if you could identify a confirmed new tenant who can move into your apartment when you plan to leave. Most contracts require you to send your notice of termination to your landlord via post. Legally, an email with a signed letter attached, or a PDF is not sufficient. The termination notice must also be signed by all parties listed in the rental contract. Please note that just sending a letter of notice does not make you legally safe. The actual date of notice only begins from the date of receipt of the letter by the landlord. While sending the notice, ask Deutsche Post for an Einschreiben Rückschein or simply the receipt confirmation. Send your resignation to your employer Employees are required to submit their resignation letters to their reporting manager or HR directly when they plan to leave their company. While most companies have a common framework for resigning, at least a few roles in some companies may have additional clauses in the employment contract in terms of resignation. Therefore, carefully read your work contract way ahead to avoid any last minute hassles. In general, the companies in Germany have a notice period of 30 to 90 days before you can actually leave the company How to deregister in Germany as a self-employed? Freelancers and self-employed people in Germany need to deregister their business with the Finanzamt or Gewerbeamt. Each city may have different deregistration processes and application forms. Therefore, please check the citizen portal of the city or town where your business is registered for specific rules. Deregistration of children from the schools in Germany Like you need to send the resignation letter to your employer, you are also obliged to inform the school where your child(ren) studies when leaving the country. The same applies for kids that go to Kindergarten or Krippe. Since different schools, kindergartens or krippes have different rules, please talk to the responsible person and get to know the process ahead in time. Additionally, if you are receiving Kindergeld, you are obliged to inform the familienkasse about your plan to leave the country. In case not informed and you still take advantage of the kindergeld even after leaving Germany, there's a chance that you get fined at some point when the authorities notice that you left. Check out this section of the Arbeitsagentur website and select Veränderungsmitteilung für das Kindergeld (KG45) to get the change information form. You need to fill it out and send it to the Familien kasse in your town. Inform service providers You must also cancel the contracts with various service providers before leaving Germany. A few examples include electricity, internet, telephone contracts, fitness memberships, cable or digital streaming services, etc. The cancellation notice period is determined by the terms of your contract. While you may be able to cancel the contracts online or by calling the customer care service, some service providers require you to send a signed letter by post to make the cancellation. Can I cancel my internet contract? Yes, you can cancel your internet contract if it is older than 24 months. As per the new amendment in the telephone and internet contract regulation passed by the government on 01 - 12 - 2021, you can cancel your internet or telephone contracts with a 30 days notice period if they are older than 24 months. You will have a much harder time canceling your contract early if your contract has not completed the minimum contract length of 24 months. In most cases, the service provider will ask you to provide the proof of you leaving Germany with a confirmation of your deregistration in Germany, or any other proof they suggest. Your phone contracts can usually be canceled at the end of every month. However, make sure to check with your provider for any additional requirements. How to cancel the electricity contract in Germany? Most providers such as Eprimo and SWM let you file your cancellation online in their customer portal. Alternatively, you can also call their customer service and request for support. In general, there are no hard restrictions to change or cancel the electricity contract. However, It is recommended that you update the last reading on the meter in your online customer portal account to avoid overcharging. If possible, take a picture of your electricity meter for future reference. How to cancel your insurances in Germany? Living in Germany requires you to have mandatory health insurance and a couple of additional insurances as per the individual needs. You need to cancel all of them as you wouldn’t need them if you don't live here any more. You can easily cancel insurance from digital providers like Feather Insurance or Getsafe through their website. However, you may only be able to cancel them on a 30 days cycle. For instance, if you sign up with a start date on the 1st, you have to cancel before the 1st of the next month to avoid being charged and covered for an additional month. Please check with the insurance provider for specific policies. In contrast, traditional German insurance companies usually require a longer notice period and only accept cancellations by post. It is also possible that your health insurance requires a letter and proof of you leaving Germany to terminate your policy, as you are legally required to have health insurance in Germany. How to close your German bank account? Usually, there is no notice period or restriction for you to close your German bank account unless you have an outstanding settlement. Most banks in Germany offer online account closure and this is usually an easy process. Just login to your online banking portal and you should be able to find a corresponding link. In some cases, you may be asked to visit the local branch to complete the procedure. Nevertheless, you may still need your regular bank account for some final transactions even after you leave, such as settling your electricity bill, gym membership, or getting your deposit back from the landlord, etc. Prepare to claim your German pension You may be entitled to claim your contributions and interest back from the German pension fund if you contributed while living in Germany. Your nationality, the country where you are moving, and Germany's alliance with that country all play a significant role in claiming your contribution. We’ve written a detailed article on the process of claiming your German pension while leaving Germany. Decide whether you want to ship your possessions to your new country or sell them. It is better to think in advance whether you want to take your possessions to the new country you are moving to or sell them. Think and compare the costs of shipping the items to the new place and selling them in Germany, You can sell your possessions on eBay, eBay Kleinanzeigen, and in expat groups on Facebook, Telegram, and WhatsApp. If you price your items reasonably, they are more likely to be sold. If you plan to ship your possessions, before choosing a moving company to ship your belongings to the new country, compare quotes from different companies. A good Packers and Movers company usually provides transit insurance to protect your goods like valuable furniture, electronic equipments and other fragile items from damage. The terms and conditions may vary from company to company. Therefore, please understand the details well in advance. Usually, you will have to pay an insurance premium which is based on the total value of the goods that you declare and is around 3% of the total value of the goods. In most cases, this amount has to be paid in full before the move. Few popular moving companies in Germany which you can choose from are AGS Movers Germany, Crown Relocations, movinga, etc. Handing over the apartment Most rental contracts would have a section about how the apartment should be prepared for the handover. You should, in general, restore the apartment to the original condition just like how it was when you took over it, no matter how you design and decorate it. Repainting, repairing damages, and covering holes are part of this process. One common question that arises when leaving an apartment in Germany is whether you need to repaint your apartment or not. The answer depends on the terms of your rental agreement. Be sure to check your rental agreement for a provision regarding cosmetic repairs (Schönheitsreparaturen). Cosmetic repairs usually include painting the walls and the ceilings, repairing holes you made in the walls, etc. In the event that your contract does not mention cosmetic repairs, you are very fortunate! You just need to do an extensive cleaning and leave. Additionally, your landlord cannot demand you to arrange a professional cleaning service. Regulated by law, you have the right to do the repairs yourself. Finally, leaving Germany in a rush will only increase your blood pressure unlike leaving from some other countries. In addition to bureaucratic and financial problems, unpaid bills can cause you legal implications as well as unnecessary stress. Gyms, clubs, and telephone companies usually refer your case to debt collection companies, which won't give up so easily and follow you overseas. Make sure to pay your bills on time to avoid any complications in your new life! Furthermore, along with other tasks, make sure you keep enough time to plan and execute the movement much smoothly. Some frequently asked questions about the procedures while leaving Germany

With the fictional certificate, the immigration authorities are able to prove that the applicant has a provisional right to reside in the federal territory. This is frequently required for the issuance or extension of a residence permit. To legally live in Germany, foreign citizens need to apply for a residence permit and wait for the decision from the immigration authorities. During this waiting period, they receive a Fiction certificate (Fiktionsbescheinigung), a temporary document that shows their legal right to stay in Germany. This document ensures they won't be penalised for staying in the country while their application is being processed. With a Fiktionsbescheinigung, you're permitted to: Stay in Germany after your visa or residence permit has expired. Carry on with your job, studies, or self-employment like before. In some situations, travel outside of Germany. How to get a Fiction certificate in Germany A Fiktionsbescheinigung is issued only when a decision on someone's residence permit application is pending due to different reasons, such as needing more time for processing or awaiting additional documents from the applicant. In general, it is not possible to apply for a fiction certificate alone. During your in-person appointment at the Ausländerbehörde for renewing or applying for the residence permit, they generally provide you with a Fiktionsbescheinigung if the new residence permit cannot be issued before the current one expires. If you have applied for the renewal of your residence permit after its expiration or if your appointment was scheduled after the expiry date, you are typically given a Fiktionsbescheinigung without having to request it. If you need to travel outside of Germany and haven't received a Fiktionsbescheinigung at the time of your in-person appontment, you can explain your situation to the person handling your case and sometimes provide evidence of the requirement. However, the provision of a Fiktionsbescheinigung depends on your specific case and the type of residence permit you hold. Eligibility for a Fiction Certificate The following are the general eligibility criteria for obtaining a Fiction Certificate in Germany: You must be a third-country national. This means that you are not a citizen of an EU member state or a country that is part of the European Economic Area (EEA). You must have submitted a valid application for a residence permit. This application must be submitted to the foreigners' registration office (Ausländerbehörde) in your town. Your application must be pending approval. This means that the foreigners' registration office has not yet made a decision on your application. Types of Fiktionsbescheinigung in Germany As noted in most of the fiction certificates issued, there are three main types of Fiktionsbescheinigung in Germany: Fiktiv erlaubter Aufenthalt (Section 81(3) Sentence 1 of the Residence Act / 81 Abs. 3 Satz 1 AufenthG) Fiktive Aussetzung der Abschiebung (Section 81(3) Sentence 2 of the Residence Act / 81 Abs. 3 Satz 2 AufenthG) Fiktiv fortbestehender Aufenthaltstitel (Section 81(4) of the Residence Act / 81 Abs. 4 AufenthG) Fiktiv erlaubter Aufenthalt (81 Abs. 3 Satz 1 AufenthG) This type of fiction certificate is issued If you do not currently hold a valid residence permit and you have applied for one within the prescribed time frame. This means that your stay in Germany is considered legal until a decision is made regarding your application. You are allowed to keep living, working, and studying in Germany while your application is being processed. Additionally, you cannot travel outside of Germany without receiving the permission from the immigration authorities beforehand. Fiktive Aussetzung der Abschiebung (81 Abs. 3 Satz 2 AufenthG) This type of Fiktionsbescheinigung is issued if you do not have a valid residence permit and you apply for one late. With this fiction certificate, you are not allowed to travel outside of Germany while your application is being processed. You must wait until the Ausländerbehörde has made a decision on your application before you can travel. Fiktiv fortbestehender Aufenthaltstitel (81 Abs. 4 AufenthG) This type of Fiktionsbescheinigung is issued when there's currently a valid residence permit (like a temporary residence permit or a long-term national visa - Category D). It's issued according to Section 81, Paragraph 4 of the Residence Act. The existing residence permit, along with all its additional conditions (including those related to work permissions), remains valid until a decision is made about the application. With this type of fiction certificate, traveling outside of Germany and re-entering the country is allowed. Since immigration laws can be complicated and are often misunderstood, we recommend that you contact the Ausländerbehörde in your town to get the exact status of your fiction certificate. Frequently asked questions about German Fiction certificate - Fiktionsbescheinigung

SPONSORED Germany is renowned for its excellent healthcare system, providing top-notch and affordable medical care to its citizens. However, understanding and maneuvering through the German health insurance system can be bewildering, particularly for foreigners unfamiliar with its rules and regulations. Let's explore the primary health insurance options in Germany, their functioning, and the factors to consider when selecting a plan that meets your requirements and financial constraints. Germany is known for having one of the best healthcare systems in the world, offering high-quality and affordable medical care to its residents. However, navigating the German health insurance system can be confusing and overwhelming, especially for foreigners who are not familiar with the rules and regulations. Let’s understand the main types of health insurance in Germany, how they work, and what to consider when choosing a plan that suits your needs and budget. The German Health Insurance System The German health insurance system is divided into two tiers: public and private insurance providers. By law, everyone who lives in Germany must have some form of health insurance coverage, either statutory (public) or private, issued by a licensed medical insurance provider. The type of health insurance you can get depends on your income, citizenship, family size, employment status, and overall health. Public Health Insurance in Germany Public health insurance (Gesetzliche Krankenversicherung – GKV) is the most common form of health insurance in Germany. It is funded by social security contributions from employers and employees, as well as taxes from the government. Public health insurance offers a comprehensive range of benefits, such as: Free choice of doctors and hospitals within the public network Free preventive care and screenings Free or subsidized prescription drugs Free or subsidized dental care Free maternity care and childbirth Free family insurance for spouses and children Sick leave and sick pay Long-term care insurance The monthly premium for public health insurance is based on a percentage of your gross income (around 14.6% in 2023), which is split equally between you and your employer. There are over 100 public health insurance providers (Krankenkassen) in Germany, each offering slightly different services and rates. Some of the most popular ones are: Techniker Krankenkasse Barmer AOK DAK-Gesundheit You can compare the different public health insurance providers and their benefits on krankenkassen.de To apply for public health insurance in Germany, you need to register with a provider of your choice and fill out an application form. You will also need to provide some documents, such as: Your passport or ID card Your visa or residence permit (if applicable) Your registration certificate (Anmeldung) Your employment contract or proof of income Your bank account details Once you are enrolled, you will receive a health insurance card (Gesundheitskarte), which you need to present whenever you visit a doctor or hospital. Private Health Insurance in Germany Private health insurance (Private Krankenversicherung – PKV) is an alternative option for those who are not eligible or do not want to join the public health insurance system. Private health insurance offers some advantages over public health insurance, such as: Shorter waiting times and faster appointments Access to more doctors and hospitals, including private clinics More personalized and flexible coverage options Higher reimbursement rates for medical expenses Better-quality facilities and equipment Once you switch to private health insurance, you cannot go back to public health insurance unless your income drops below the threshold or you change your employment status. The monthly premium for private health insurance depends on various factors, such as your age, gender, health condition, coverage level, deductible amount, and provider. Unlike public health insurance, private health insurance does not cover your dependents for free; you have to pay an additional premium for each family member. Private health insurance also does not include long-term care insurance; you have to purchase it separately. There are many private health insurance companies in Germany, offering different plans and rates. Some of the private health insurance companies in Germany are: Allianz Care Cigna Global DFV Feather Ottonova You can also compare the best private (as well as public) health insurance providers in Germany and get personalized advice and quotes for free on MW Expats. To apply for private health insurance in Germany, you need to contact a provider of your choice and fill out an application form. You will also need to provide some documents, such as: Your passport or ID card Your visa or residence permit (if applicable) Your registration certificate (Anmeldung) Your employment contract or proof of income Your medical history and health questionnaire The provider will then assess your application and offer you a quote based on your risk profile. You may also have to undergo a medical examination or provide additional information. Once you accept the offer, you will receive a confirmation and a policy document. Settle In Germany has a very good guide that compares the public and private insurances in Germany. So, be sure to check it out. Expat Health Insurance in Germany Expat health insurance is a special type of private health insurance designed for foreigners who are living or working in Germany temporarily or permanently. Expat health insurance offers some benefits over public or private health insurance, such as: Worldwide coverage for medical emergencies and treatments No waiting periods or restrictions for pre-existing conditions No minimum income or residency requirements Flexible contract duration and cancellation options Multilingual customer service and support Expat health insurance is suitable for anyone who wants to have comprehensive and flexible coverage while living in Germany, regardless of their income or employment status. It is especially recommended for those who travel frequently, have chronic or complex health issues, or do not qualify for public or private health insurance. There are many expat health insurance companies in Germany, offering different plans and rates. Some of the expat health insurance companies in Germany are: Feather Cigna Global Foyer Global Health Mawista Swisscare To apply for expat health insurance in Germany, you need to contact a provider of your choice and fill out an online application form. You will also need to provide some documents, such as: Your passport or ID card Your visa or residence permit (if applicable) Your registration certificate (Anmeldung) Your proof of travel or relocation (if applicable) The provider will then assess your application and offer you a quote based on your personal and medical information. You can then choose a plan that suits your needs and budget. Once you accept the offer, you will receive a confirmation and a policy document. Factors to Consider When Choosing a Health Insurance Plan in Germany Choosing a health insurance plan in Germany can be challenging, as there are many factors to consider and compare. Here are some of the most important ones: Coverage: What services and treatments are included in the plan? Are there any exclusions or limitations? How much reimbursement do you get for medical expenses? Cost: How much is the monthly premium? Are there any co-payments or deductibles? How does the premium change over time or with age? Eligibility: Do you meet the income, residency, or health requirements for the plan? Are there any waiting periods or restrictions for pre-existing conditions? Flexibility: How easy is it to change or cancel the plan? Can you choose your own doctors and hospitals? Can you adjust your coverage level or add-ons? Quality: How reliable and reputable is the provider? How good is the customer service and support? How fast and easy is the claim process? To help you make an informed decision, you can use online tools and resources to compare different plans and providers, such as: MW Expat Solutions Krankenkassen.de Check24 If you wish to get much more comprehensive and personalized advice and guidance based on your situation and needs, you can use the service from MW Expats who provide English speaking support. Tips on What to Watch Out for When Signing Up for Health Insurance in Germany Signing up for health insurance in Germany can be a smooth and easy process if you follow the steps and requirements of your chosen provider. However, there are also some potential pitfalls and challenges that you should be aware of and avoid when signing up for health insurance in Germany, such as: Not having health insurance at all: This is illegal and risky, as you will have to pay for all your medical expenses out of pocket and may face fines or penalties from the authorities. You should always have some form of health insurance coverage as soon as you arrive in Germany or before you apply for a visa or residence permit. Not having adequate health insurance coverage: This can lead to unexpected costs and gaps in your medical care, especially if you have special needs or conditions that are not covered by your plan. You should always check the details and benefits of your plan carefully and make sure it meets your needs and expectations. Not informing your provider of any changes: This can result in your plan being invalid or canceled, or your premium being increased or decreased. You should always inform your provider of any changes in your personal or medical information, such as your income, address, marital status, health condition, or family size. Not comparing different plans and providers: This can result in you paying more than you need to or missing out on better options and deals. You should always compare different plans and providers before you sign up for health insurance in Germany and look for the best value and quality for your money. Not reading the fine print: This can result in misunderstandings, disputes, or disappointments with your plan or provider. You should always read the fine print and terms and conditions of your plan and contract carefully and ask questions if anything is unclear or confusing. By following these tips, you can avoid common mistakes and problems when signing up for health insurance in Germany and enjoy a hassle-free and secure healthcare experience. Conclusion Health insurance in Germany is an essential and mandatory part of living and working in the country. Whether you choose public, private, or expat health insurance, you can benefit from a high-quality and affordable healthcare system that covers most of your medical needs. However, choosing a health insurance plan in Germany can be challenging, as there are many factors to consider and compare. Therefore, you should do your research, use online tools and resources, consult with experts, and read the fine print before you sign up for health insurance in Germany. By doing so, you can find the best plan and provider for your situation and budget and enjoy a smooth and easy healthcare experience in Germany. About MW Expat Solutions At MW Expat, we are more than just an independent insurance broker. We are your trusted partner for creating and protecting your financial future. We understand how hard you work to grow your investments and retirement funds, and how important it is to safeguard what you have already achieved. That’s why we offer you tailor-made insurance and pension solutions that suit your needs and goals. We help you prepare for the unexpected risks that can derail your financial plans, such as accidents, illnesses, or other emergencies.

Are you an Indian citizen who wants to work in Germany? Do you have a job offer or a contract from a German employer? If yes, then you will need to apply for a German work visa and a residence permit before you can travel to Germany and start your employment. Germany is one of the most attractive destinations for skilled workers from India, offering a high standard of living, a strong economy, and a diverse culture. However, moving to Germany for work requires some planning and preparation, especially when it comes to the visa process. In this article, we will explain how to apply for a German work visa from India, what are the requirements and documents you need, and what are the steps you need to follow. Who Can Apply for a German Work Visa from India? A German work visa is not available for everyone in every situation. Only Indian citizens who meet certain criteria can apply for a German work visa from India. These criteria include: Having a job offer or contract from a German employer that matches your qualifications and skills. The job offer or contract should specify the duration, salary, and working conditions of your employment in Germany. OR Having a recognized university degree or equivalent qualification that matches an equivalent qualification in the German education system. You can check if your degree is recognized in Germany on the Anabin online database or obtain a Statement of Comparability from ZAB (German Central Office for Foreign Education). Having sufficient knowledge of the German language (at least level A2 as of 2023) or being exempted from this requirement if your job does not require it. Nursing professionals should possess level B1 proficiency in German. Having sufficient funds to cover your living expenses in Germany until you receive your first salary. You can prove this by opening a blocked account, obtaining a formal obligation letter from your employer in Germany, or showing your bank account statements. Having adequate health insurance that covers your medical needs in Germany. You can prove this by obtaining a private or public German health insurance or a private foreign health insurance that meets the requirements of being equivalent to a German public health insurance. If you meet these criteria, you can apply for a German work visa from India and start your journey to work in Germany. What is a German Work Visa? A German work visa is a type of national visa that allows Indian citizens to enter Germany for the purpose of gainful employment. A national visa is different from a Schengen visa. Schengen visa only allows short-term stays of up to 90 days within the participating Schengen states. The initial German work visa you get from India is usually valid for three months, during which you can apply for a residence permit at the local foreigner’s office in Germany after arrival. A residence permit is a document that grants you the right to live and work in Germany for a longer period of time, usually up to four years or according to the duration of your employment contract. There are different types of work visas and residence permits for Germany, depending on your qualifications, skills, and occupation. Some of the most common ones are: Work Visa: This is the general category for skilled workers who have a recognized university degree or equivalent qualification and a job offer or contract from a German employer. EU Blue Card: This is a special category for highly qualified workers who have a recognized university degree or equivalent qualification and a job offer or contract from a German employer with a minimum annual salary of 56,800 Euros (or 44,304 Euros for shortage occupations such as engineers, IT specialists, doctors, etc.). Job Seeker Visa: This is a category for skilled workers who have a recognized university degree or equivalent qualification and want to look for a job in Germany. This visa allows you to stay in Germany for up to six months and attend interviews or apply for jobs. However, you cannot work with this visa and you need to prove that you have sufficient funds to support yourself during your stay. Other categories: There are also other specific categories for workers such as researchers, artists, freelancers, self-employed persons, etc. You can find more information on these categories on the official website of the Federal Foreign Office. How to Apply for a German Work Visa in India? The application process for a German work visa in India consists of the following steps: Schedule a Visa Appointment You must schedule a visa appointment with the German mission responsible for your state. You can find the list of German missions in India and their administrative and consular states here. Depending on the mission, you may have to book your appointment online through their website or through a certified visa application center (such as VFS Global). Collect the Required Documents for a German Work Visa Before you can submit your visa application, you must collect a set of required documents. These documents include: Your valid passport (issued within the last 10 years and with at least 12 months validity left at the time of submission of the application) Two copies of your passport’s data page (A4 size copy) Three passport pictures according to biometric specifications (no older than six months). Cover letter from applicant explaining the exact course of action to find employment in Germany as well as further career plans should stay in Germany be unsuccessful Proof of academic qualification and work experience (from a German university or equivalent to a German academic degree) and relevant previous work experience certificates for future employment in Germany (for recognition of non-German degrees kindly refer to www.anabin.de) (if applicable) Personal CV containing full education and employment history Proof of accommodation in Germany for the initial period of 30 days (if applicable) Proof of financial means to cover the costs for the time of your stay by one of the following documents: Blocked account for the sum of 5,604 Euros “Verpflichtungserklärung” (formal obligation letter) by sponsor living in Germany bank account etc. (if applicable) Proof of personal status in India, birth certificate of applicant, Aadhar card (with English translation) Proof of health insurance - ONE of the following documents: Proof of a private German health insurance which fulfills the below mentioned requirements and starts at your tentative travel date OR Proof of a public German health insurance, which consists of a letter from your German healthcare provider, as well as a travel health insurance for the first three weeks. OR Proof of a private foreign (including Indian) health insurance including the policy you choose which fulfills the below mentioned requirements and starts at your tentative travel date Alternatively, you can also get a recognized travel health insurance for your travel. When does a health insurance meet the requirement of being equivalent to a German public health insurance? No limit to the reimbursement in case of sickness If the insured person becomes sick, no deductible higher than 300€ per year can be demanded Pre existing conditions must be included No clause for termination regarding the insured person reaching a certain age, change of residence permit or loss of residence permit The Insurance cover cannot have any time limit (or needs to be automatically renewed) Complete the Visa Application Forms You will need to fill out two application forms for your work visa: the national visa application form and the declaration form. You can download these forms from the website of the German mission in India or get them from the visa application center. You must complete and sign both forms and attach them to your application. Pay the Visa Fee You will need to pay a visa fee of 75 Euros (or equivalent in Indian Rupees) for your work visa application. You can pay this fee by cash or demand draft at the time of submission of your application. The fee is non-refundable and non-transferable. Please make sure to cross-check with the corresponding German Consular website for the actual amount, as it may vary. Attend the Visa Appointment You must attend your visa appointment in person at the German mission or the visa application center where you booked your appointment. You must bring along your original documents, copies, and passport. You will also have to submit your biometric data (fingerprints) and answer some questions about your application. How Long Does It Take to Process a German Work Visa in India? The processing time for a German work visa in India may vary depending on the type of visa, the completeness of your application, and the workload of the German mission. Generally, it may take between 8 to 12 weeks for your visa to be processed. Therefore, you should apply for your work visa well in advance of your planned travel date. What to Do After Receiving Your German Work Visa? Once you receive your German work visa, you can travel to Germany and start working for your employer. However, you will also need to apply for a residence permit at the local foreigner’s office in Germany within three months of your arrival. You will need to bring along your passport, visa, employment contract, proof of accommodation, proof of health insurance, and biometric photos. You will also have to pay a fee for your residence permit. A residence permit will allow you to live and work in Germany for up to four years or according to the duration of your employment contract. You can also extend or renew your residence permit if you meet the requirements. What to Do If Your German Work Visa Application Is Rejected? In some cases, your German work visa application may be rejected by the German mission or the visa application center. This may happen due to various reasons, such as: Missing or incomplete documents False or misleading information Insufficient funds or health insurance Lack of qualification If your German work visa application is rejected, you have a few options to consider: Review the Rejection Letter: Carefully review the rejection letter provided by the German mission or visa application center. It should outline the specific reasons for the rejection. Understanding the grounds for rejection will help you determine the appropriate steps to take. Appeal the Decision: In some cases, you may have the option to appeal the decision. The rejection letter should provide instructions on how to appeal and the timeframe within which you must submit your appeal. Follow the instructions and provide any additional documentation or information that may strengthen your case. Reapply with Corrected Documents: If your application was rejected due to missing or incomplete documents or false information, you can rectify the issues and reapply. Make sure to address the reasons for rejection and provide all the required documents accurately and completely. It's important to note that specific steps and procedures may vary depending on the individual case and the reasons for rejection. Consulting with the German mission or visa application center and seeking professional advice will provide the most accurate guidance for your particular situation. Conclusion Applying for a German work visa from India is not a complicated process if you follow the steps and requirements outlined in this article. However, you should always check with the German mission in India or the official website of the Federal Foreign Office for any updates or changes in the visa regulations. We hope this article has helped you understand how to apply for a German work visa from India and what are the documents and procedures involved. We wish you all the best for your work and stay in Germany!

Germany is a popular place for people from other countries to live because it has a good quality of life, a strong economy, and a lot of interesting culture. There are different kinds of schools in Germany, like public schools that anyone can go to, private schools that you usually have to pay for, and international schools. Germany is a popular destination for expats who want to enjoy a high quality of life, a strong economy, and a rich culture. However, moving to a new country can be challenging, especially when it comes to finding the right school for your children. Fortunately, Germany offers a variety of education options for expat families, from state-run schools to private and international schools. In this article, we will explore some of the pros and cons of each type of school, and provide some tips on how to choose the best one for your needs. State Schools in Germany State schools in Germany are free to attend and provide a high standard of education. They follow the national curriculum, which varies slightly depending on the federal state. The school year usually runs from August or September to June or July, with breaks in between. The main advantage of state schools is that they allow your children to learn German and integrate into the local culture. They also have small class sizes and well-qualified teachers. However, there are some drawbacks to consider as well. For instance, state schools only teach in German, which can be difficult for children who are not fluent in the language. Moreover, state schools have a rigid system that tracks students into different types of secondary schools based on their academic performance and teacher recommendations. This can limit their future options and flexibility. If you want to enroll your child in a state school, you will need to apply through the local education authority ( Schulamt) or the school itself. You will also need to provide some documents, such as: Your child’s birth certificate Your child’s passport or ID card Your child’s vaccination records Proof of residence in Germany Proof of health insurance in Germany Transfer certificate from the last school (if the child was attending a school in the previous country) Private Schools in Germany Private schools in Germany are mostly funded by tuition fees and donations. They offer an alternative to state schools, with more flexibility and diversity in their curriculum and teaching methods. There are different types of private schools in Germany, such as: Denominational or religious schools: These are schools that follow a specific faith or denomination, such as Catholic, Protestant, Jewish, or Islamic schools. They usually teach religion as a subject and may have stricter rules on dress code and behavior. Waldorf schools: These are schools that follow the educational philosophy of Rudolf Steiner, which emphasizes creativity, imagination, and holistic development. They offer a wide range of subjects, from arts and crafts to languages and sciences. Montessori schools: These are schools that follow the educational approach of Maria Montessori, which focuses on individualized learning, self-directed activities, and hands-on materials. They encourage children to explore their interests and potentials at their own pace. The main benefit of private schools is that they offer more personalized attention and support for your children. They also have smaller class sizes and better facilities than state schools. However, there are some disadvantages as well. For example, private schools can be very expensive, ranging from 200 to 2,000 euros per month depending on the school and grade level. Additionally, private schools may not be recognized by the German authorities or other countries, which can affect your child’s transferability and qualifications. If you want to enroll your child in a private school, you will need to contact the school directly and follow their admission process. You will also need to provide some documents, such as: Your child’s birth certificate Your child’s passport or ID card Your child’s vaccination records Proof of residence in Germany Proof of health insurance in Germany Proof of income or financial support Transfer certificate from the last school (if the child was attending a school in the previous country) Here is a list of some of the best private schools and their location and curriculum in Germany: Gymnasium Stift Neuzelle: This school is located in Neuzell, a small town in the state of Brandenburg. It offers a bilingual education in German and English, with the option to take the Abitur or the IB diploma. The school has a strong focus on music, arts, sports, and social responsibility. It also provides boarding facilities for students from grades 5 to 12. Institut Schloß Wittgenstein: This school is located in Bad Laasphe, a spa town in the state of North Rhine-Westphalia. It offers a German curriculum with the Abitur as the final exam, as well as an international program with the IB diploma. The school has a multicultural and multilingual environment, with students from over 30 countries. It also offers boarding facilities for students from grades 5 to 12. Max-Rill-Schule Schloss Reichersbeuern: This school is located in Reichersbeuern, a village in the state of Bavaria. It offers a German curriculum with the Abitur as the final exam, as well as an international program with the IB diploma. The school has a holistic approach to education, with an emphasis on individual development, creativity, and social skills. It also offers boarding facilities for students from grades 5 to 12. Zinzendorfschulen Königsfeld: This school is located in Königsfeld, a town in the state of Baden-Württemberg. It offers a German curriculum with the Abitur as the final exam, as well as an international program with the IB diploma. The school is based on the principles of the Moravian Church, which promote tolerance, peace, and community. It also offers boarding facilities for students from grades 5 to 12. Gymnasium Lindenberg: This school is located in Lindenberg, a town in the state of Bavaria. It offers a German curriculum with the Abitur as the final exam, as well as an international program with the IB diploma. The school has a special focus on natural sciences, mathematics, and languages. It also offers boarding facilities for students from grades 5 to 12. International Schools in Germany International schools in Germany are mostly attended by expat children who want to continue their education in their native language or follow an international curriculum. There are many international schools in Germany that cater to different nationalities and languages, such as: American international schools: These are schools that follow the American curriculum and offer the American High School Diploma and Advanced Placement (AP) courses. They usually teach in English and prepare students for college admission in the US or other countries. British international schools: These are schools that follow the British curriculum and offer the International General Certificate of Secondary Education (IGCSE) and A-levels. They usually teach in English and prepare students for university entry in the UK or other countries. Other national international schools: These are schools that follow the curriculum of a specific country other than Germany, such as France, Italy, Spain, Japan, China, India, etc. They usually teach in the language of that country and prepare students for further education in that country or elsewhere. Religious international schools: These are schools that follow an international curriculum but also incorporate religious teachings and values into their education. They usually teach in English or another language and cater to students of a specific faith or denomination. Method international schools: These are schools that follow an international curriculum but also adopt a specific educational method or philosophy, such as Waldorf, Montessori, or IB. They usually teach in English or another language and cater to students of different backgrounds and abilities. The main advantage of international schools is that they offer a familiar and comfortable environment for your children. They also have a more multicultural and diverse student body than state or private schools. Furthermore, international schools have a more flexible and transferable curriculum than state or private schools, which can help your children adapt to different education systems and cultures. However, there are some drawbacks as well. For instance, international schools can be very costly, ranging from 500 to 5,000 euros per month depending on the school and grade level. Moreover, international schools may not help your children learn German or integrate into the local society. They may also have long waiting lists and strict admission criteria. If you want to enroll your child in an international school, you will need to contact the school directly and follow their admission process. You will also need to provide some documents, such as: Your child’s birth certificate Your child’s passport or ID card Your child’s vaccination records Proof of residence in Germany Proof of health insurance in Germany Proof of income or financial support Your child’s academic transcripts and test scores Your child’s language proficiency certificates Transfer certificate from the last school (if the child was attending a school in the previous country) If you are looking for the best international schools in Germany, here are some of the top choices that offer excellent education and facilities. Munich International School: This school is located in Starnberg, near Munich, and follows the International Baccalaureate (IB) curriculum. It offers education for students from 4 to 18 years old, and has a diverse and multicultural community. The average annual fees for grades 1 to 8 are €15,400, and for grades 9 to 12 are €19,700. Berlin Brandenburg International School: This school is located in Kleinmachnow, near Berlin, and follows the IB curriculum as well. It offers education for students from 3 to 19 years old, and has a strong focus on science, technology, engineering, arts, and mathematics (STEAM). The average annual fees for grades 1 to 8 are €16,500, and for grades 9 to 12 are €20,500. Bavarian International School: This school has two campuses, one in Munich-Schwabing and one in Haimhausen. It also follows the IB curriculum and offers education for students from 3 to 19 years old. It has a mission to inspire global citizens and future changemakers. The average annual fees for grades 1 to 8 are €16,340, and for grades 9 to 12 are €22,090. St. George’s, The British International School: This school has three campuses, one in Munich, one in Düsseldorf Rhein-Ruhr, and one in Cologne. It follows the British curriculum and offers the International General Certificate of Secondary Education (IGCSE) and A-levels. It offers education for students from 3 to 18 years old, and has a British ethos and culture. The average annual fees for grades 1 to 8 are €14,000, and for grades 9 to 12 are €17,000. Frankfurt International School: This school is located in Oberursel, near Frankfurt, and follows the IB curriculum as well. It offers education for students from 3 to 18 years old, and has a reputation for academic excellence and innovation. The average annual fees for grades 1 to 8 are €18,000, and for grades 9 to 12 are €22,000. These are just some of the best international schools in Germany. There are many more options to choose from depending on your preferences and needs Conclusion Choosing the best school for your children in Germany can be a daunting task, as there are many factors to consider, such as your budget, your child’s age, language, interests, and goals. Therefore, it is important to do your research and visit different schools before making a decision. You can also consult with other expat parents or education consultants who can share their experiences and advice with you. Ultimately, the best school for your children is the one that meets their needs and expectations, and helps them grow and thrive in their new home country.

Germany is one of the most popular destinations for expats who want to work and live in Europe. However, finding a job in Germany as an english speaker can be challenging and requires careful planning and preparation. This article will provide you with a complete guide on how to get a job in Germany as an expat, covering topics such as visa requirements, language skills, job search strategies, application tips, interview techniques, and cultural norms. Whether you are looking for a full-time, part-time, or freelance job, this article will help you achieve your career goals in Germany. Germany is one of the most attractive destinations for expats who want to work in Europe. With a strong economy, a high standard of living, and a rich cultural heritage, Germany offers many opportunities for foreigners with different skills and backgrounds. However, finding a job in Germany as an expat is not always easy. You need to know where to look, what the requirements are, and how to apply for a work visa. The Job Market in Germany On the one hand, Germany has record employment and low unemployment; on the other hand, it suffers from a severe shortage of skilled workers in many sectors and regions. This mismatch between supply and demand of labor poses a serious challenge for the competitiveness and growth potential of the German economy. Some of the most affected sectors are logistics, hospitality, automotive, mechanical engineering, education and IT industries. This is bad for Germany because it makes it harder to grow and compete with other countries. Why does Germany have this problem? There are many reasons, but some of them are: the people in Germany are getting older and fewer; many women and people came to Germany from third countries do not work. How can Germany solve this problem? To overcome this problem, Germany is pursuing various strategies, such as attracting skilled workers from abroad, especially from non-EU countries, through a new immigration law and an 'opportunity card’; promoting lifelong learning and vocational training; increasing the retirement age and the flexibility of working hours; and supporting the digital and green transformation of the economy. These changes are expected to make Germany a better place to work and live. The good news for people who are looking to relocate to Germany is that, there are some sectors and occupations that have a shortage of workers in Germany, which means that they are more open to hiring foreigners. These include: Health care professionals (doctors, nurses, dentists, etc.) IT specialists (software developers, programmers, etc.) Engineers (mechanical, electrical, civil, etc.) Scientists (biologists, chemists, physicists, etc.) Teachers (especially for English and STEM subjects) Skilled trades (electricians, plumbers, carpenters, etc.) If you have experience and qualifications in these fields, you will have a better chance of finding a job in Germany as an expat. The Best Websites and Resources to Find Jobs in Germany One of the best ways to find a job in Germany as an expat is to use some of the popular online platforms that list job vacancies. These include: Make it in Germany: This is the official website for qualified professionals who want to work in Germany. It provides information on visa requirements, recognition of foreign qualifications, job opportunities, and living conditions. It also has a job portal where you can search for jobs by keyword, location, industry, and occupation. Federal Employment Agency: This is the largest provider of labor market services in Germany. It offers online job listings, career counseling, vocational training, and unemployment benefits. You can register with them as a job seeker and upload your CV. You can also use their [European Job Mobility Portal] (EURES) to find jobs across Europe. Berufenet: This is a database of more than 3,000 occupations in Germany. It provides detailed information on the tasks, skills, qualifications, salaries, and prospects of each occupation. You can also find links to related job offers and training courses. Xing: This is the largest professional network in Germany. It allows you to create a profile, showcase your skills and achievements, connect with other professionals and employers, and browse through thousands of job ads. Glassdoor: This is a global platform that offers insights into companies, salaries, interviews, and reviews from employees and former employees. You can also search for jobs by keyword, location, company, and industry. Berlin Startup Jobs: This is a niche website that features jobs from startups and tech companies in Berlin. You can find jobs in various fields, such as engineering, design, marketing, sales, and customer service. You can also filter jobs by visa sponsorship, remote work, and language. There are also many other websites that offer jobs in Germany for expats, such as LinkedIn, Indeed, Monster, StepStone, and Jobware. You can use these sites to narrow down your search by using keywords, filters, and alerts. You can also upload your CV and apply for jobs directly on these platforms. The Most In-Demand Jobs and Sectors in Germany As mentioned earlier, there are some jobs and sectors that have a high demand for workers in Germany. These are the ones that you should focus on if you want to increase your chances of getting hired as an expat. Here are some examples of the most in-demand jobs and sectors in Germany: Health care: Germany has an aging population and a shortage of healthcare professionals. According to a report by the Bertelsmann Foundation, Germany will need an additional 260,000 nurses and 51,000 doctors by 2030. If you have a degree and experience in medicine, nursing, dentistry, or other health-related fields, you will have a lot of opportunities to work in Germany. However, you will also need to have your qualifications recognized by the relevant authorities and learn German to a high level. IT: Germany is a leader in innovation and technology. It has a strong digital economy and a vibrant startup scene. According to a survey by Bitkom, the digital association of Germany, there were about 137,000 vacant IT positions in Germany in 2022. If you have skills and experience in software development, programming, web design, data analysis, cybersecurity, or other IT-related fields, you will be highly sought after by employers in Germany. You may also be able to find English-speaking jobs in this sector, especially in Berlin. Engineering: Germany is known for its excellence in engineering and manufacturing. It produces high-quality products and services in various industries, such as automotive, aerospace, chemical, mechanical, electrical, and renewable energy. According to a report by the Association of German Engineers (VDI), there were about 79,000 unfilled engineering positions in Germany in 2019. If you have a degree and experience in engineering or related fields, you will have a competitive edge in the German job market. However, you will also need to have your qualifications recognized by the relevant authorities and learn German to a professional level. Science: Germany is a hub for scientific research and innovation. It has many prestigious universities and research institutes that conduct cutting-edge studies in various fields, such as biology, chemistry, physics, medicine, and biotechnology. According to a report by the German Academic Exchange Service (DAAD), Germany was the third most popular destination for international researchers in 2018. If you have a degree and experience in science or related fields, you will have many opportunities to work in Germany as an expat. You may also be able to find English-speaking jobs in this sector, especially in academia. Teaching: Germany has a high demand for teachers, especially for English and STEM subjects. According to a report by the Standing Conference of the Ministers of Education and Cultural Affairs of the Länder (KMK), Germany will need an additional 26,000 teachers by 2025. Deutsche Welle covers this topic in depth in this article. If you have a degree and experience in teaching or related fields, you will have a good chance of finding a job in Germany as an expat. However, you will also need to have your qualifications recognized by the relevant authorities and learn German to a high level. You may also need to complete additional training or exams to teach in public schools. These are just some examples of the most in-demand jobs and sectors in Germany. There are also many other fields that offer opportunities for expats who want to work in Germany, such as tourism, hospitality, finance, marketing, sales, and customer service. However, you will need to do your research and tailor your job search according to your skills, qualifications, and interests. The Qualifications and Language Skills You Need to Work in Germany One of the most important factors that will determine your chances of finding a job in Germany as an expat is your level of qualification and language proficiency. In general, the higher your qualification and the better your language skills are, the easier it will be for you to get hired. Here are some tips on how to improve your qualifications and language skills for working in Germany: Have your foreign qualifications recognized: If you have a degree or vocational qualification from another country, you may need to have it recognized by the relevant authorities in order to work in Germany. This is especially important if you want to work in regulated professions such as health care, engineering, teaching, or law. You can check if your qualification is recognized in Germany by using the Recognition Finder or contacting the Central Office for Foreign Education. You may also need to provide proof of your academic transcripts, certificates, diplomas, and translations. Depending on your qualification and profession, you may need to take additional tests or courses to meet the German standards. Learn German: Although there are some jobs that do not require German skills, such as in IT or tourism, most employers in Germany prefer candidates who can speak and understand German. Learning German will not only improve your chances of finding a job, but also help you integrate into the society and culture of Germany. You can learn German by taking courses at a language school, online platform, or university. You can also practice your German by watching TV shows, listening to podcasts, reading books, or joining a language exchange group. To prove your level of German proficiency, you may need to take a standardized test such as the TestDaF or the Goethe-Zertifikat. The level of German you need depends on the job and sector you are applying for. Generally, you will need at least a B1 level for most jobs, and a C1 level for regulated professions. Improve your English: Although German is the official language of Germany, English is also widely spoken and understood by many people, especially in the business and academic sectors. Having a good command of English will give you an advantage in the global market and help you communicate with international colleagues and clients. You can improve your English by taking courses at a language school, online platform, or university. You can also practice your English by watching TV shows, listening to podcasts, reading books, or joining a language exchange group. To prove your level of English proficiency, you may need to take a standardized test such as the IELTS or the TOEFL. The level of English you need depends on the job and sector you are applying for. Generally, you will need at least a B2 level for most jobs, and a C1 level for jobs that require a high degree of communication and negotiation. Update your CV and cover letter: Your CV and cover letter are the first impressions that employers will have of you. Therefore, you need to make sure that they are clear, concise, and professional. You also need to adapt them to the German standards and expectations. Here are some tips on how to write a CV and cover letter for working in Germany: Use a chronological format: Your CV should list your education and work experience in reverse chronological order, starting with the most recent ones. You should also include your personal details (name, address, phone number, email), professional profile (a short summary of your skills and goals), skills (languages, computer programs, etc.), and hobbies (optional). Keep it short: Your CV should not be longer than two pages. You should only include relevant information that matches the job description and requirements. You should also use bullet points and headings to make it easy to read. Be honest: You should not lie or exaggerate about your qualifications or achievements on your CV. You should be able to provide evidence and references for everything you claim on your CV. Use a formal tone: Your cover letter should be written in a formal and polite tone. You should address the employer by their name and title (if known), or use “Sehr geehrte Damen und Herren” (Dear Sir/Madam) if not. You should also use “Sie” (formal you) instead of “du” (informal you) when addressing the employer. Explain your motivation: Your cover letter should explain why you are interested in working for the company and in Germany. You should also highlight your relevant skills and achievements that make you a suitable candidate for the job. You should also mention how you can contribute to the company’s goals and vision. End with a call to action: Your cover letter should end with a call to action that invites the employer to contact you for an interview or further discussion. You should also thank them for their time and consideration. Prepare for the German job interview: If you are invited for an interview, you need to prepare yourself well to impress the employer and show them that you are the right person for the job. Here are some tips on how to prepare for an interview for working in Germany: Research the company: You should research the company’s history, mission, values, products, services, and culture. You should also find out who will be interviewing you and what their role is. You should also prepare some questions to ask the employer about the company and the job. Dress appropriately: You should dress professionally and according to the dress code of the company and the sector. You should avoid wearing anything too casual, flashy, or revealing. You should also pay attention to your grooming and hygiene. Arrive on time: You should arrive at the interview location at least 10 minutes before the scheduled time. You should also check the traffic and public transportation beforehand to avoid any delays or problems. You should also have a copy of your CV, cover letter, and certificates with you. Be confident and polite: You should greet the interviewer with a firm handshake and a smile. You should also maintain eye contact and a positive body language throughout the interview. You should also be respectful and courteous to everyone you meet at the company. Answer the questions: You should answer the questions clearly, concisely, and honestly. You should also use examples and evidence to support your answers. You should also avoid interrupting or arguing with the interviewer. You should also avoid talking about negative topics such as politics, religion, or personal problems. Follow up: You should send a thank you email or letter to the interviewer within 24 hours after the interview. You should also restate your interest and enthusiasm for the job and the company. You should also ask for feedback or next steps in the hiring process. The Types of Work Visas and Permits for Germany If you are not a citizen of the EU, EEA, or Switzerland, you will need a work visa and permit to work in Germany. The type of work visa and permit you need depends on your nationality, qualification, and occupation. Here are some of the main types of work visas and permits for Germany: Job seeker visa: This is a visa that allows you to enter Germany and look for a job for up to six months. You cannot work with this visa, but you can attend interviews and network with potential employers. To apply for this visa, you need to have a recognized university degree or equivalent qualification, proof of sufficient funds to cover your stay, health insurance, and proof of German or English language skills. You also need to have a concrete plan of how you will find a job in Germany. If you find a job within six months, you can apply for a work permit from within Germany. If not, you have to leave the country and apply for another visa from your home country. EU Blue Card: This is a work permit that allows highly qualified non-EU citizens to work and live in Germany and other EU countries. To qualify for this permit, you need to have a recognized university degree or equivalent qualification, a valid work contract or job offer in Germany with a minimum annual salary of €56,800 (or €44,304 for shortage occupations), health insurance, and proof of German or English language skills. You can apply for this permit from within Germany if you have a job seeker visa or another valid residence permit, or from your home country if not. This permit is valid for up to four years, or for the duration of your work contract plus three months. You can also bring your spouse and children with you, and they can work and study in Germany without restrictions. After 33 months (or 21 months if you have a B1 level of German), you can apply for permanent residence in Germany. Skilled worker visa: This is a work permit that allows qualified non-EU citizens to work in Germany in occupations that require vocational training or experience. To qualify for this permit, you need to have a recognized vocational qualification or equivalent experience, a valid work contract or job offer in Germany with an appropriate salary, health insurance, and proof of German language skills (at least A1 level). You can apply for this permit from within Germany if you have a job seeker visa or another valid residence permit, or from your home country if not. This permit is valid for up to four years, or for the duration of your work contract plus three months. You can also bring your spouse and children with you, but they may need to meet certain requirements to work and study in Germany. After four years, you can apply for permanent residence in Germany. Freelance visa: This is a work permit that allows self-employed non-EU citizens to work in Germany as freelancers or entrepreneurs. To qualify for this permit, you need to have a relevant professional qualification or experience, a viable business plan or portfolio of clients, proof of sufficient funds to cover your start-up costs and living expenses, health insurance, and proof of German or English language skills. You can apply for this permit from within Germany if you have another valid residence permit that allows freelance work, or from your home country if not. This permit is valid for up to three years, and can be extended if your business is successful. You can also bring your spouse and children with you, but they may need to meet certain requirements to work and study in Germany. To apply for any of these visas or permits, you need to contact the German embassy or consulate in your home country and submit the required documents and fees. You may also need to attend an interview or provide biometric data as part of the application process. You should apply as early as possible to avoid any delays or complications. The Application Process and Documents You Need to Work in Germany Once you have found a job offer or contract in Germany and obtained the appropriate work visa or permit, you need to complete some additional steps and documents to start working in Germany. These include: Registering your address: When you arrive in Germany, you need to register your address with the local registration office (Einwohnermeldeamt) within two weeks. You need to bring your passport, visa, work contract, rental contract, and a registration form (Anmeldeformular) with you. You will receive a registration certificate (Anmeldebestätigung) that proves your residence in Germany. You will need this certificate for various purposes, such as opening a bank account, applying for a tax number, or getting a health insurance card. Applying for a tax number: To pay taxes in Germany, you need to have a tax number (Steueridentifikationsnummer) that identifies you as a taxpayer. You can apply for this number at the local tax office (Finanzamt) after registering your address. You need to bring your passport, visa, work contract, and registration certificate with you. You will receive your tax number by mail within a few weeks. You will need this number to file your tax returns, receive your tax refunds, or claim any tax benefits in Germany. Applying for a social security number: To contribute to the social security system in Germany, you need to have a social security number (Sozialversicherungsnummer) that identifies you as a social security member. You can apply for this number at the local social security office (Deutsche Rentenversicherung) after registering your address. You need to bring your passport, visa, work contract, and registration certificate with you. You will receive your social security number by mail within a few weeks. You will need this number to pay your social security contributions, receive your social security benefits, or claim any social security rights in Germany. Opening a bank account: To receive your salary and pay your bills in Germany, you need to have a bank account (Girokonto) at a German bank or financial institution. You can open a bank account at any branch or online after registering your address. You need to bring your passport, visa, work contract, registration certificate, and tax number with you. You will receive your bank card (Girocard) and PIN (Persönliche Identifikationsnummer) by mail within a few days. You will need this card and PIN to withdraw money, make payments, or transfer funds in Germany. Getting a health insurance card: To access the health care system in Germany, you need to have a health insurance card (Gesundheitskarte) that proves your health insurance coverage. You can get a health insurance card from your health insurance provider (Krankenkasse) after registering your address and social security number. You need to bring your passport, visa, work contract, registration certificate, social security number, and tax number with you. You will receive your health insurance card by mail within a few weeks. You will need this card to visit a doctor, get a prescription, or receive any medical treatment in Germany. These are some of the main steps and documents you need to work in Germany as an expat. There may be other requirements or procedures depending on your specific situation and occupation. You should always check with the relevant authorities or organizations for the latest information and guidance. You should also keep copies of all your documents and certificates for future reference. The work culture and etiquette in Germany If you are planning to relocate to Germany for a job, you need to be aware of the work culture and etiquette in this country. Germany is known for its professionalism, efficiency, and punctuality. These traits are reflected in the way Germans work and communicate. In this paragraph, you will learn some of the dos and don’ts of working in Germany. One of the most important aspects of German work culture is the respect for hierarchy and authority. Germans tend to follow the chain of command and address their superiors by their last name and title. You should avoid being too informal or casual with your boss or colleagues, unless they invite you to do so. You should also avoid interrupting or contradicting your superiors in public, as this can be seen as disrespectful or rude. Another key aspect of German work culture is the emphasis on planning, organization, and quality. Germans like to have clear goals, deadlines, and procedures for their tasks and projects. They also pay attention to details and accuracy, and expect the same from others. You should be prepared to follow the rules and regulations of your workplace, and to deliver high-quality work on time. You should also be able to justify your decisions and actions with facts and data, as Germans value rationality and logic over emotions or intuition. Communication in German work culture is direct, honest, and precise. Germans prefer to get straight to the point and avoid ambiguity or vagueness. They also tend to express their opinions and criticisms openly and constructively, without sugarcoating or beating around the bush. You should not take this personally or as a sign of hostility, but rather as a way of improving your performance and solving problems. You should also be ready to communicate clearly and concisely, and to back up your statements with evidence and examples. Finally, German work culture is also characterized by a strong sense of responsibility and commitment. Germans take their work seriously and dedicate themselves fully to their tasks and duties. They also respect the work-life balance and expect others to do the same. You should not disturb your colleagues or clients outside of working hours, unless it is an emergency or a prior agreement. You should also avoid making personal calls or browsing social media during work hours, as this can be seen as unprofessional or disrespectful. By following these tips, you can adapt to the work culture and etiquette in Germany more easily and successfully. The Tax and Social Security System in Germany If you are planning to relocate to Germany for work, you should familiarize yourself with the tax and social security system in advance. These are some of the main aspects that you need to know: Income Tax Germany has a progressive income tax system, which means that the tax rate increases as the income level rises. The income tax rate ranges from 14% to 45%, depending on the taxable income and the marital status of the taxpayer. In addition, there is a solidarity surcharge of 5.5% of the income tax and a church tax of 8% or 9% of the income tax for members of certain religious communities. The employer deducts the income tax from the gross salary and transfers it to the tax office on behalf of the employee. You will need to register with the local tax office and obtain a tax identification number and a tax class. Social Security The social security system in Germany consists of four main components: health insurance, pension insurance, unemployment insurance, and long-term care insurance. The contributions to these schemes are generally shared equally between the employer and the employee, with some exceptions for certain groups of workers. The total social security contribution rate is about 40% of the gross salary, but there are upper limits for each component. The social security system provides various benefits and services to the insured persons, such as medical care, retirement pension, unemployment benefits, and long-term care assistance. You will need to choose a health insurance provider and get a social security card with a social security number. Conclusion Getting a job in Germany as an expat can be a rewarding and fulfilling experience, but it also requires careful planning and preparation. You need to consider various factors, such as the visa requirements, the job market, the language skills, the cultural differences, the tax and social security system, and the cost of living. You also need to be proactive and flexible in your job search, and use various resources and strategies to find and apply for suitable positions. By following the tips and advice in this guide, you can increase your chances of landing a job in Germany and enjoy the benefits of working and living in one of the most developed and diverse countries in Europe.

It doesn’t matter if your old passport has expired and a new one has been issued; your settlement permit or EU permanent residence permit remains valid in Germany. There are different websites publishing conflicting information on whether to apply for a new residence permit when you receive a new passport or not. However, we ask you to check with your local citizen’s office for a more concrete answer. In general, your settlement permit or EU permanent residence permit is still valid in Germany even if your previous passport has expired and you have already received a new passport. For re-entering Germany, you just need to show your old and new passport together and your previous settlement permit at the border control. Before traveling to another country, however, we recommend you to check with your respective local authorities or the embassy/consulate of your country about the entry formalities in good time before you leave Germany. Your temporary residence permit ends at the latest with the validity of your passport. If you have not yet received the extension of your residence permit, you need a fictional certificate. When traveling abroad, carry all documents proving your right of residence in Germany with you. This also applies to trips to another Schengen country.

ne question that often comes to people's minds when they consider moving to a different country for work would be, "How good is my offer?"? So you've been offered a job in Germany but you're wondering what a good salary in Germany is? Well, you are not the only one! This article should provide you with all the information you need to make a final decision. The salary you earn in Germany should allow you to afford your desired lifestyle in the country. According to I am expat, you will be in the above-average income class in Germany if your gross income exceeds 47.700 euros a year. How Much Does A Good Salary In Germany Look Like? Germany offers a wide range of salaries for different professions, and they depend on different cities. It is common for different people to have different opinions about what a good salary should be. There are some cities where you will make more money, but there may also be a higher cost of living. How Good Is A Salary Of 60.000 Euros In Germany? As you do your research, you may see in different forums that 60.000 euros gross a year in Germany is considered to be a good gross salary. It is well above the average salary of 47.700 euros per year and slightly above the national average. Approximately 18% of the national population earns this amount or more. Having a gross annual salary of 60,000 euros, and assuming you are in tax class 1, you will receive about 5,000 euros, or 2,969 euros after taxes each month. A single person can make a good living with this income What is the salary Requirement For Blue Card In Germany Your German employer is entitled to pay you the same salary as your German coworkers. To prevent workplace exploitation, the German Federal Employment Agency (Bundesagentur für Arbeit) checks your salary before approving your work permit. As per the Federal Office for Migration and Refugees (Bundesamt für Migration und Flüchtlinge - BAMF) you must earn at least 56,400 euros a year in order to qualify for an EU Blue Card. For employees in the occupational fields of mathematics, computer science, physics, engineering, the natural sciences, and human medicine (not including dentistry), a reduced annual gross salary of 43,992 Euros applies (as of 2022 - the salary thresholds are readjusted for each calendar year). Minimum Wage in Germany? Deutsche Welle - a German public, state-owned international broadcaster reported that German lawmakers have approved raising the minimum wage from 9,82 euros per hour to 12 euros per hour by October, 2022. After this change in October, 2022, the government has stated that the minimum wage will remain unchanged at least for the next 15 months, and it will only be reevaluated in January, 2024. In general, a full-time employee would be paid 1.610,48 euros a month for working 41 hours a week. While a part-time employee earns an average of 765,96 euros per week for 19,5 hours of work. Lastly, it is ultimately up to you to decide whether the salary offered to you is right for you. Take into account your take home pay, the cost of living in the city in which you intend to live, quality of life, and other expenditures such as loans and rent.

In Germany, drinking water is considered to be the number one food item. As part of its most basic provisions, drinking water must not only be free of harmful substances and pathogens, but it must also be 'pure and wholesome' too. Germany's tap water is perfectly safe to drink! It is rated as one of the cleanest tap waters in the world. The tap water is strictly regulated by the Federal ministry of health as well as the Federal Environment Agency. Drinking water quality in Germany In Germany, a high standard is set when it comes to drinking water quality, for the simple reason that if pathogens contaminate the supply, countless people could become ill; therefore, this risk must be reduced to zero. Across the entire drinking water process chain, including abstraction, purification, and distribution, a higher level of anti-contamination safeguards are used. Building, maintaining and operating drinking water distribution systems in accordance with applicable technical standards entails no risk of contamination from active ingredients or legionella growth. It is the responsibility of system operators, such as water utilities and building owners and operators, to accomplish this. Throughout Germany, the authorities responsible for public health monitor the quality of drinking water. In Germany, drinking water quality is regulated by a law known as the Trinkwasserverordnung, along with additional guidelines, recommendations, and rules. What is the source of tap water in Germany? As you know, drinking water is a natural product. 70 percent of it comes from wells and groundwater, 13 percent from reservoirs and rivers, and 17 percent originates from surface water, but is nearly identical to groundwater due to soil passage and bank filtration. In spite of the fact that the taste of drinking water varies from one location to another depending on the minerals dissolved in it beneath the ground, drinking water should be clear, cool, colour and odor less. Is bottled water and tap water in Germany different in quality? In spite of the high quality of tap water in Germany, the love for bottled water is very surprising. It is not uncommon to find hundreds of different mineral water brands in German supermarkets. The price per liter ranges from 0.25 to 0.70 euros regardless of the minerals it contains. People prefer bottled water over tap water due to its taste, advertised quality, and added minerals. However, even the expensive bottled water contains a similar amount of minerals compared to the cheapest one. Despite not being advertised, the government regulates that tap water must contain all basic minerals. Another reason could be that sparkling water is more in demand than normal water or otherwise called still water. Is it safe for pregnant women to drink tap water? In Germany, some people are concerned about drinking tap water with lead. A pregnant woman or a child who is exposed to lead could particularly be at risk. Everyone in Germany has the right to have high-quality water at home. If you have concerns about metals in your drinking water, your local health department can provide you with the information. Pregnant women, infants, and children up to the age of six should never drink water from lead pipes. Avoid using tap water for drinking or food preparation if you feel it has been contaminated with lead. It is recommended to use bottled water marked "Suitable for preparing infant formula" in such cases. It is not logical and safe to use filters to remove lead. It is not recommended to drink water from the tap if it has not been opened for some time, regardless of the possibility of lead exposure. Let the stagnant water run out of the line until it is cool and comes without color. Water filters in Germany In our experience, water from any taps or many public fountains out there in Germany is drinkable. At a few public fountains, we've noticed signs indicating that the water is not drinkable. Unless otherwise stated, you can trust the water and drink it safely. You might consider getting a water filter if you feel the water from the tap isn't up to par. Brita Brita is one of the popular water filters in Germany. You can either buy it from Amazon.de or you’ll find different types of Brita water filters in super markets. Brita water filter costs around 35-40 Euros depending on where you purchase it from. It often comes on deals on Amazon.de. It comes with one filter cartridge included when you purchase the can. Otherwise one set (4 pieces) of filter cartridge costs around 19,99 Euros. There are also deals on Amazon.de for the filter cartridge set. AmazonBasics water filter An alternative to the expensive Brita water filter is the filter made by Amazon’s own brand AmazonBasics. It is the same size, shape and design as Brita water filter. However, it costs much less than Brita. While Brita costs 38.00 Euros on average, AmazonBasics water filter costs only 17,99 Euros. A three piece AmazonBasics Water Filter Cartridge set cost only 14,00 Euros only which is still 5 euros cheaper than Brita. We’ve used both AmazonBasics water filter as well as Brita water filter at home and in our experience, the expensive Brita has the quality for the extra amount. The quality, usability, maintainability and more over the taste of the water is much better than the cheaper AmazonBasics water filter. Conclusion We know that pure drinking water is very difficult to obtain in some countries including India where I am from. We are very fortunate to live in a country where drinking water is of the highest quality and we are thankful to the government for that. In my opinion, tap water tastes great and there’s no need to buy bottled water. By not buying plastic bottled water, you are also helping nature.

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 eight years and have an unlimited residence right 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

Expats living, studying or working in Germany must get familiar with the German banking system from anytime they move in - no matter whether they need to open a bank account to receive their salary or simply want to transfer money to and from abroad. One of the initial steps you should do as soon as you move into Germany is to open your bank account. In the modern world, you need a bank account for almost anything; like receiving your salary, paying your rent, etc. You’ll see several banks in Germany when you start researching about it. From the ones that were found 100 years ago to the new generation online only banks like N26. One of the key facts to think about while choosing the right one for you is that most banks in Germany have an annual fee for maintaining your account. Also, almost every bank would charge you for withdrawing money from an ATM owned by a non partner bank. The new generation banking system in Germany Like any other countries in the world, Germany also has some great and strong new generation banks. N26, Wise, and Vivid are the front liners in the row. They also offer lower fees and telephone-based customer service. N26 N26 is a digital bank that operates entirely online and provides its customers with a range of financial services, including bank accounts, debit cards, and insurance. The company was founded in 2013 and is headquartered in Berlin, Germany. N26 aims to offer a more streamlined and convenient banking experience through its mobile app, which allows users to manage their finances, make payments, and track their expenses in real-time. N26 also emphasizes security, with features such as biometric authentication and the ability to lock and unlock your card through the app. The company has grown rapidly in recent years and now serves millions of customers across Europe and the United States. Wise - formally TransferWise In 2011, Wise launched with the goal of making international money transfers cheap, fair, and simple. Globally, millions of people and businesses use their multi-currency account to manage their money. Wise offers a multi-currency bank account which you can use as your everyday bank account to receive salary, pay rent, make online shopping, etc. With a Wise account, you get a physical debit card for free as well as unlimited virtual debit cards that you can use to pay online and use them as virtual debit cards in Apple Wallet and Google Pay, or even withdraw money at an ATM with NFC capabilities. It is possible to add money to your account in 19 currencies. These include AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HRK, HUF, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY and USD. The real exchange rate is always used when you convert money between any of the 50+ currencies in your account. You can also receive money in 11 currencies using your account details. A plus is that there are no fees associated with opening or maintaining an account. Revolut Just like Wise, Revolut too won’t ask you to visit a branch or bury you in paperwork. Opening an account in Revolut takes just less than a few minutes, and you can do everything straight from your phone. With Revolut, you can send and receive money in 30+ currencies with no hidden fees. Plus, transfers are almost always instant and free between Revolut friends anywhere in the world! Additionally, Revolut offers to fix you up with discounts and cashback offers from your favourite brands, so you can save when you spend. You just need to use your Revolut card when you shop. Revolut also offers splitting of bills with anyone, even if they’re not on Revolut. You just need to enter the numbers and Revolut will do the math. You can split bills from restaurant to rent. PS : All of the above new generation banks offer English support and their apps are available in English as well. Account opening and processes are also rather simple compared to the traditional banks. However, when it comes to loans and other services, the traditional banks still standout! Make sure you check the details of the services offered that suit your requirements before fixing one. Traditional German Banking system in Germany Deutsche Bank, Commerzbank, Postbank, and Targobank are one of the major and oldest private banks in Germany. They operate nationally with their wide and vast branches. By opening an account with them, you can also avail their non-banking services like real estate and investment banking too. PS : While the banks are still developing, most of them are still running the old style banking and English support cannot be expected always. Especially when it comes to customer care and product detailing. Cooperative banks Banks like Sparkasse and Volksbank are local banks focused on local investments and small and medium-sized businesses. Their advertisements and branding might give you an image that they are a single organization. However, each regional bank operates as a separate entity. One of the major benefits for you would be the availability of branches even in the rural areas! Opening the bank account (traditional) In general, the process of opening a private current account / Girokonto in any of these banks is similar. You start with getting an appointment either online or by calling the branch nearest to you. You then visit the branch and meet your point of contact. They’ll then help you fill out the forms and get your signature and other supporting documents (check below). You should get a notification by mail or post in the next couple of days. Many of the traditional banks now offer the options to fill the application form online. Once done, you’ll get a form which you have to take out to your nearest post office / DHL center along with the supporting documents to verify your identity (Postident). Once done, you’ll get a notification by mail or post in the next couple of days. Nowadays, you also get the possibility of confirming your identity either by a video chat. Opening the bank account (new gen) Simply head over to the Appstore or Playstore. Download the app of the bank of your choice. Sign up or create a new account. Enter the details and upload your ID card. mostly, the your ID verification will be done during the sign up process by a video call or a software algorithm. Thats it! you have your German bank account ready! Documents required While different banks ask you to provide different documents, some of the common ones are Passport or photo identity card (not a driving license) Certificate of registration Visa or residence permit Some banks require you to maintain a minimum balance. Therefore, you might have to submit your pay slips or an employment contract. If your bank has a minimum income requirement you may also have to provide proof of income with pay slips or an employment contract. Online banking While most of the banks offer online banking by default and share the required details as soon as your account is created, you might need to contact their customer care in some rare cases. As you might have read already above, most traditional banks do not offer internet banking services in English. Be sure to check this information on the bank's website or ask the staff when you visit the branch for account opening. Few terms to help you with banking in Germany. Giropay Giropay is an Internet payment System in Germany, based on online banking. This payment method allows customers to buy securely on the Internet using direct online transfers from their bank account. Girocard Girocard is an interbank network and debit card service connecting virtually all German ATMs and banks. It is based on standards and agreements developed by the German Banking Industry Committee SEPA SEPA (Single Euro Payments Area) is an initiative of the European Union. It exists to check and improve the bank transfers of euros of cross-border payments. Using your IBAN, you can pay or receive money to any account located in the SEPA. IBAN International Bank Account Number - IBAN is a unique number that identifies your country and bank and account number in a way that can be understood by financial institutions worldwide. Your IBAN will be included on any correspondence you receive from your German bank. You can also find it in your bank card.

Radio and television taxes of 18,36 euros per household per month is mandatory in Germany regardless of the number of people living in the household. Four times a year, you will pay 55,08 euros, since it gets collected every quarter. Rundfunkbeitrag refers to the license fee or broadcasting contribution for German public media or basically TV and radio. Despite being frequently referred to as the TV and radio tax, it is not a tax. German households are required to pay 18,36 euros a month to support the independent public broadcasting. Does ARD ZDF have to be paid? The answer is yes. The Rundfunkbeitrag is now mandatory from 2013 in Germany unless you are in one of the categories below that allows an exception. Whether or not you actually use any services of German public broadcasting services does not matter. Reduction and exemption from Rundfunkbeitrag The Rundfunkbeitrag can be exempted or reduced if you meet one of the following criteria: The BAföG provides you with financial aid for your education. Social security benefits, such as unemployment benefit 2 (ALG 2), or a guaranteed minimum pension, are paid to you. Deaf-blindness is a condition you suffer from. In the event that you have severe disabilities that prevent you from participating in public events, you may be eligible for a reduction to 6,12 euros a month. Rundfunkgebühr: Why Do We Have It? After WWII, the British introduced public broadcasting to Germany. It was believed that propaganda-controlled television and radio contributed to the outbreak of the war. Therefore, a democracy requires independent media which cannot be influenced or financed by politics or economics. Rather, all residents contribute equally to its funding. As a result, the license fee was created. Germany's public broadcasting allows cultural niches to flourish and prevents fake news from spreading. In Germany, what happens if you do not pay the radio tax? In the event that you fail to pay the radio tax in Germany, you will be subject to serious legal consequences. It is likely that you will receive repeated orders for payment, which are likely to result in official collection procedures. Continuing to avoid repeated payment orders may result in the Beitragsservice informing the SCHUFA, which maintains your credit score in Germany, about your failure in the payment. As a result, this will negatively impact your SCHUFA score. As the due amount increases, you will be obligated to pay the entire amount due and any additional fines associated with late payments. The case of a German lady who refused to pay the ARD - ZDF tax was followed across Germany and she was sentenced for 6 months and was released after spending 61 days in prison. Read more about this story in Bild.de. How do I cancel the TV and Radio tax in Germany? Your ARD - ZDF subscription is automatically canceled when you deregister in Germany with your local Bürgeramt. Unfortunately, there is no other way to cancel it if you do not fall into one of those categories mentioned above.

N26 is a great choice for anyone who wants a convenient, affordable, and secure digital bank in Germany. With its cutting-edge technology, user-friendly interface, and innovative financial services, N26 is quickly becoming one of the most popular banks in Germany. If you are an expat living in Germany, you might be looking for a bank account that suits your needs. You want a bank that is easy to use, offers low fees, and supports multiple currencies. You also want a bank that has a user-friendly app, a reliable customer service, and a secure online banking system. Sounds too good to be true? Well, not anymore. Meet N26, the best online bank for expats in Germany. What is N26? N26 is a fully-mobile bank that operates in 25 countries across Europe and the US. It was founded in 2013 by two German entrepreneurs who wanted to create a simple and transparent banking experience for the digital age. N26 offers personal and business accounts, as well as savings, investment, insurance, and credit products. N26 has over 7 million customers worldwide and has raised more than $800 million from investors such as Tencent, Allianz, and Peter Thiel. Why choose N26 as an expat in Germany? There are many reasons why N26 is the best online bank for expats in Germany. Here are some of them: No paperwork required: You can open an N26 account in just a few minutes from your smartphone or computer. All you need is your passport or ID card and a proof of address. No need to visit a branch or fill out any forms. No monthly fees: N26 offers a free standard account that comes with a free Mastercard debit card. You can also upgrade to premium plans that offer additional benefits such as travel insurance, partner discounts, and metal cards. No foreign transaction fees: You can use your N26 card to pay in any currency without any fees. You also get free ATM withdrawals in euros and up to 5 free withdrawals per month in other currencies. No language barriers: N26 supports 5 languages: English, German, French, Spanish, and Italian. You can choose your preferred language in the app and on the website. You can also contact the customer service via chat, phone, or email in any of these languages. No hassle: You can manage all your finances directly from your smartphone or computer. You can view your transactions, set spending limits, lock/unlock your card, send money to friends, and more. You also get instant notifications for every activity on your account. How to open an N26 account as an expat in Germany? Opening an N26 account as an expat in Germany is very easy. Here are the steps you need to follow: Go to N26 website or download the N26 app on your smartphone. Choose your country of residence and the type of account you want to open. Enter your personal details such as name, email, phone number, date of birth, and address. Verify your identity by taking a photo of your passport or ID card and a selfie. Confirm your email address and phone number. Choose your card design and delivery address. Activate your card by entering the PIN you received via SMS. Enjoy your N26 account! Benefits of N26 Easy and Quick Sign-Up: N26 makes it incredibly easy to open an account, with the process taking just a few minutes and can be done entirely online. User-Friendly App: N26’s app is user-friendly, intuitive, and offers customers a range of features, including account tracking, card management, and the ability to view transactions in real-time. Overdraft Protection: N26 offers overdraft protection, which means that customers can spend up to 10000 euros more than their account balance without incurring any fees. Competitive Interest Rates: N26 offers competitive interest rates on savings accounts, making it an attractive option for people who want to save money. No Hidden Fees: N26 is transparent about its fees, making it easy for people to budget and keep track of their finances. Secure: N26 uses state-of-the-art security measures to protect its customers' finances and is fully licensed and regulated by the German Financial Supervisory Authority (BaFin). Disadvantages of N26 Limited Services: Today, N26 can only offer basic banking services and does not have a branch network, which may not be suitable for everyone. No Physical Checks: N26 does not offer the option to write physical checks, which may be a drawback for some customers. Limited Customer Support: N26 offers limited customer support, with the only option being email or through its in-app support center. Limited Credit Options: N26 does not offer a wide variety of credit options like traditional banks offer, which may not be suitable for everyone. Not Yet Available in All Countries: N26 is currently only available in Europe and a few other countries, meaning that it may not be a suitable option for everyone. Conclusion N26 is the best online bank for expats in Germany because it offers a convenient, low-cost, and secure banking experience. You can open an account online in minutes without any paperwork or fees. You can also pay in any currency without any fees and access various financial products and services. N26 is the perfect bank for the digital nomads who want to live and work in Germany. If you are interested in opening an N26 account, you can use this link.

Germany, despite promoting digital transactions, still has a strong preference for conventional payment methods such as cash due to cultural traditions and a desire for privacy. Some businesses still do not accept electronic payments due to high transaction fees, so carrying cash is recommended, especially when visiting smaller shops. However, major cities and tourist destinations are becoming more cashless with more businesses accepting electronic payments. Although Germany heavily promotes digital transactions, many shops and people still prefer conventional methods. At many places in Germany, if you like to shop, you will not be able to use your credit card or debit card. This may be because the POS machine only supports EC karte (Euro-Cheque card with 4-digit PIN issued by your bank). The next option you have is to pay in cash. Whenever you want to pay at a restaurant in Germany, the waiter will ask you ‘bar order karte?’ or simply cash or card? Cash payment means you'll probably get a lot of coins back. In any case, while in Germany or Europe generally, you cannot avoid the relationship with the coins. How do I exchange coins at my bank? Almost all German banks have cash deposit machines or coin deposit machines (Einzahlautomat) at the entrance of the branch. The coin deposit tray in the machine allows you to deposit coins in bulk. As soon as the coins are counted by the machine, you will receive a receipt. The money will be credited into your bank account within 2 - 4 business days. It is important to note that you can only deposit cash at your bank's ATM. In other words, you cannot use the Sparkasse deposit machine if you have an account with Deutsche Bank. Despite the fact that most banks offer this service for free, some may charge a small fee. I only have an N26 account in Germany. How do I exchange coins? In collaboration with their partner shops, N26 offers Cash26, which is a cash withdrawal and deposit service. You need to take the coins to one of N26’s partner shops. Then, you need to generate a barcode within the N26 app. Once the cashier counts the coins and scans the barcode in the N26 app, they will deposit the money into your N26 account. However, the minimum CASH26 deposit is limited to €50 per transaction, and you can deposit up to €999 in a 24-hour period. Furthermore, regardless of your deposit amount, you’ll be charged a transaction fee of 1.5% on the total amount deposited. How to exchange coins at Coinstar machines? There are Coinstar machines in many supermarkets throughout Germany. You can put the coins in the coin tray and you will get a coupon. When you bring the coupon to the cashier in the store, they’ll give you the money, or you can even use it to pay for groceries. Coinstar machines, however, have a service charge of around 9.9%. Exchanging coins with them is the most expensive option in Germany. Can I exchange the coins for free in Germany? You can exchange coins for free and instantly at the Deutsche Bundesbank or simply the Central Bank of Germany. However, you can only exchange coins for currency bills and cannot deposit directly into your bank account. Nevertheless, if you have a lot of coins, this is the best way to exchange them to avoid service fees and waiting period. Exchange coins at airports in Germany You can exchange coins at airports in Germany. Most currency exchange bureaus, banks, or coin counting machines at airports (if they are available) will accept euro coins and provide you with cash or other currencies in return. However, it's important to keep in mind that exchange rates and fees at the airport may not be as favorable as other options in the city, so it's always a good idea to compare rates and fees across different exchange services before making a decision. Additionally, it's recommended to exchange larger amounts of coins at a bank or Bundesbank branch to avoid higher fees or less favorable exchange rates at the airport. If you only have a few Euro coins with you, and you don't have time to visit a bank, go to a supermarket and ask the cashier for Euro bills in exchange of the coins. In most cases, they will be happy to assist you. Last but not least, if you don't have a shortage of money or if you can find healthy alternatives when you need them, I would suggest keeping the coins as they are for savings. The last 6 years I lived in Germany, I collected more than 450€ and never exchanged them. I have a 3 liter glass jar almost full of coins! How to Exchange Your Coins in Germany: Some Frequently Asked Questions

Tax returns in Germany can be complicated, tedious, and time-consuming. Tax authorities don't seem to make things easier for expats, despite the fact that the number of expats continues to increase year over year. If you have ever attempted filing a tax return in Germany, you know how tedious it can be. Although preparing the documents and filing the tax return is a hassle, knowing how much you will get back is a relief. The following five tips could prove to be the icing on the cake. Child care and school fees You may be able to claim tax exemption for your children's school fees if you live in Germany with your family. It may be possible to claim the tuition fee for a deduction if your children attend a school where the tuition fees need to be paid. It is common for international schools in Germany to charge tuition and other categories of fees. However, you need to keep the invoices when you pay the bills as the tax authorities require evidence for the fees that are paid. Additionally, childcare costs can also be deducted from your tax return. However, you need to provide the bills and invoices as supporting documents while filing the tax return. Training and education for jobs Usually job related training or any education that prepares you for your job are paid by the employer. However, in the event that you need to pay for a training or a course of your own, then you can claim this for a deduction when filing your taxes. The expenses for your transportation to the destination where the course is conducted, accommodation, food, any other related costs can also be considered. However, you need to show the invoices as supporting evidence. Work from home Since the pandemic began, most German companies had provided their employees with office desks, chairs, laptops, and other equipment to set up their home office. On the other hand, some companies offered additional payments to their employees so that they could purchase the necessary equipment. However, it is possible to claim up to 600€ for the expenses incurred to you to set up your home workstation if the bills are paid by you. Therefore, make sure to include the invoices as supporting evidence when filing your tax return. Supporting a second home abroad The amount that you spend on financially supporting your elderly parents who are living abroad can be claimed for your tax return. However the parent who owns the bank account into which you transfer the money should be over 65 years old and not earn a living. While preparing the documents, you need to include the bank account statements of both the sender and the receiver highlighting the corresponding monthly transaction. Additionally you also need to submit the maintenance declaration (Unterhaltserklärung) and Confirmation of receipt of money (Geld-Empfangsbestätigung) forms. Travel expense to the home country You can claim the expenses for the flight tickets if you paid them yourself when you travel back home to visit your parents or for any other purposes. However your trips to anywhere else cannot be considered. As always, make sure to keep the flight tickets as well as boarding passes as supporting evidence while filing the tax return. Understand the documents It's not surprising that the documents related to taxes in Germany are in German. Therefore, it's essential that you understand everything related to them to fully benefit from your annual tax return. If you are an expat and need to have any tax-related documents translated into English, I can recommend a service that I often use: Beglaubigung24. They are one of the best online translation services in Germany and offer translations for a variety of documents at competitive and reasonable rates. 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. Another benefit that SteuerGo offers apart from the english speaking customer support is, you can try it before you actually file your tax return. You simply follow the questions, enter the data or any supporting evidence and see how much you will get back.