Cash out or refund your German company pension online
Supports bAV documents from Allianz, AXA, Swiss Life, ERGO, R+V, Nürnberger, HDI, BVV and other German pension or insurance providers.
Also supports VBL, ZVK, VddB and VddKO refund cases.
Start your claim or estimate your refund first
Ready to begin? Start the claim flow for a bAV cash-out or company pension refund. For VBL, ZVK, VddB or VddKO, you can also calculate a first refund estimate before continuing.
Start your cash-out or refund
Answer a few guided questions or upload your pension document. If your case may be possible, create secure access and continue with the full online process.
Use this route for:
- bAV and provider-based company pension cash-outs
- VBL and ZVK refunds
Estimate your refund first
Upload a pension document or enter your information manually to get a first refund estimate. You can continue into the full online process afterwards.
Available for:
- VBL
- ZVK
- VddB
- VddKO
Choose your German company pension
Start with the pension scheme, provider or contract type you recognize from your documents.
bAV / Company pension cash-out
Have a bAV or company pension from a previous job in Germany? Check whether a cash-out may be possible, including contracts from Allianz, AXA, Swiss Life, ERGO, R+V, Nürnberger, HDI, BVV and other providers.
VBL & ZVK refunds
Paid into VBLklassik, a ZVK or another public-sector company pension while working in Germany? Start your refund online and apply to get eligible employee contributions back.
VddB & VddKO refunds
Worked in theatre, opera, musicals, dance or orchestra employment and paid into VddB or VddKO? Start your refund online through a guided digital flow.
What CompanyPension does
Smart guided process
Start online and follow clear steps for your bAV cash-out or company pension refund.
Human support when needed
Human support is available when clarification, translation or follow-up is needed.
Digital application and signing
The platform uses the information you provide to complete your application. You review and sign it yourself before it is technically transmitted to the relevant provider or pension scheme.
Money paid to your account
If approved, the money is paid directly to the bank account you provide. CompanyPension does not receive, hold or forward approved pension money.
Refund Or Cash-Out —
What Is The Difference?
German company pensions are not all handled in the same way. Some cases involve a refund of eligible employee contributions. Others involve a possible bAV cash-out.
Refund
A refund means claiming back eligible employee contributions from a contribution-based pension scheme.
This usually applies to:
- VBL
- ZVK
- VddB
- VddKO
- Cash-out card
- Cash-out
Cash-out
A cash-out means requesting a one-time payout from a bAV from a previous job. It may involve a Direktversicherung, Pensionskasse, Pensionsfonds or another provider-based company pension.
This usually applies to:
- Allianz
- AXA
- Swiss Life
- ERGO
- R+V
- Nürnberger
- HDI
- BVV
- other providers Direktversicherung
- other insurance-based bAV contracts
Your DRV Refund Does Not Include
Your Company Pension
Your German state pension and your company pension are two separate systems.
A DRV refund only covers eligible statutory pension contributions paid into Deutsche Rentenversicherung. It does not automatically include a bAV, Direktversicherung, VBL, ZVK, VddB or VddKO pension.
If you paid into both systems, your company pension needs a separate cash-out or refund process.
How it works
A guided online process from the first check to signing, submission and provider follow-up.
Check what can be started
Choose your pension type or provider and answer a few questions. The platform checks whether a bAV cash-out or refund may be possible.
Secure your claim
Create secure access, review the pricing and pay the €199 deposit to activate the full process. The deposit is credited toward your final service fee.
Add your documents and details
Add your ID, bank account and pension information from documents such as a VBL letter, provider statement, bAV contract or Direktversicherung document.
Review, sign and submit online
Check your details and sign the application yourself. After you sign, ATLAES GmbH technically transmits it to the relevant provider or pension scheme.
Provider review and payout
The provider or pension scheme reviews your request. Correspondence can run through CompanyPension when clarification or follow-up is needed. If approved, the money is paid directly to the bank account you provide.
Estimate your company pension refund
For VBL, ZVK, VddB or VddKO, upload a pension document or enter your information manually to get a first refund estimate.
You can continue into the full online process afterwards if the result looks relevant.
Transparent pricing
Start with a €199 deposit. Our success fee is 9.75% of the approved cash-out or refund amount, with a minimum total service fee of €199. Your deposit is credited toward the final fee.
bAV cash-outs
For bAV cash-outs from Allianz, AXA, Swiss Life, ERGO, R+V, Nürnberger, HDI, BVV and other providers:
- Start with a €199 deposit
- 9.75% success fee if the cash-out is approved
- Minimum total service fee: €199
- Your deposit is credited toward the final fee
- If the cash-out cannot be submitted after review, €79 is retained and €120 is refunded
VBL, ZVK, VddB and VddKO refunds
For eligible contribution-refund cases:
- Start with a €199 deposit
- 9.75% success fee if the refund is approved
- Minimum total service fee: €199
- Your deposit is credited toward the final fee
- If the pension institution rejects your completed and submitted refund request, the €199 deposit is refunded in full
If approved, the money is paid directly to the bank account you provide. CompanyPension does not receive, hold or forward approved pension money.
View pricing detailsFrequently asked questions
It may be possible, depending on the type of pension and the applicable rules.
VBL, ZVK, VddB and VddKO cases are usually handled as contribution refunds. bAV cases from Allianz, AXA, Swiss Life, ERGO, R+V, Nürnberger, HDI, BVV and other providers need a separate cash-out check.
A DRV refund can create the basis for
a bAV lump-sum settlement
For many vested bAV entitlements, a cash-out is not available simply because you left Germany. An approved DRV refund may first be required.
However, once your contributions to Deutsche Rentenversicherung have been refunded, §3(3) BetrAVG can provide the basis for requesting a lump-sum settlement of a vested bAV entitlement.
The DRV refund does not automatically pay out your company pension. After the DRV refund has been approved, a separate request must still be made to the employer, insurance company or pension provider responsible for the bAV.
CompanyPension checks whether your DRV refund status may be relevant to your bAV case and guides you through the separate online request.
Already received your DRV refund?
Your vested bAV may now qualify for a separate lump-sum settlement.
Ready to start your
company pension claim?
Start the guided claim flow for a bAV cash-out or a VBL, ZVK, VddB or VddKO refund. For refund cases, you can also calculate a first estimate before continuing.
The refund calculator is available for VBL, ZVK, VddB and VddKO cases.
It is not used for bAV cash-outs.