How CompanyPension works
If approved, the money is paid directly to the bank account you provide. CompanyPension does not receive, hold or forward approved pension money.
Less typing. Clearer steps. One secure online flow.
Instead of working through German pension forms on your own, start with the documents you already have. The platform extracts key information, asks only the questions relevant to your case and builds the next steps around your pension type.
Upload instead of typing everything
Upload a VBL letter, bAV contract, Direktversicherung document, provider statement or other pension document.
Document recognition reads key information such as the provider, insurance number, pension type, dates and recorded values.
You can review and correct every extracted detail.
A flow that adapts to your case
The questions and required documents change according to your pension type, provider and answers.
A bAV cash-out follows a different route from a VBL, ZVK, VddB or VddKO refund.
Automated checks before submission
The platform checks for missing details, inconsistent answers and documents that may still be required.
This reduces avoidable errors before you review and sign your application.
Human oversight when needed
Most standard steps run digitally and automatically.
Human support is added when a document cannot be read reliably or when a provider request needs clarification, translation or follow-up.
You stay in the English online flow. The platform handles the technical application process in the background.
Complete your company pension
claim online in five steps
Upload your documents or answer guided questions, complete the secure online flow and sign your application digitally.
Upload instead of typing everything
Upload a pension document or answer a few guided questions. The platform reads the available details and checks whether your bAV cash-out or company pension refund may be possible.
Secure your claim
If your case may be possible, create your secure account, review the pricing and pay the €199 deposit to activate the full process. Your deposit is credited toward your final service fee.
Complete your details
Upload your ID and any other documents still needed. Add or confirm your personal, pension and bank details. Information extracted from your documents can be pre-filled for you to review and correct.
Review, sign and submit digitally
Review the completed application, confirm that the information is correct and sign it yourself online. After you sign, the application is technically transmitted to the relevant pension provider, scheme or institution through the CompanyPension platform. You remain the applicant and claimant.
Receive your money and pay the remaining service fee
The provider or pension institution reviews your application and makes the final decision. Where authorised, correspondence and requests for additional information can be displayed through your secure CompanyPension account. If approved, the money is paid directly to the bank account you provide. Your €199 deposit is credited toward the 9.75% success fee, and only the remaining service fee becomes due. CompanyPension does not receive, hold or forward approved pension money.
Start with a €199 deposit. The deposit is credited toward the 9.75% success fee, and only the remaining service fee becomes due if your cash-out or refund is approved. Different deposit-refund rules apply to bAV cash-outs and contribution-refund cases. See the full pricing details.
View pricing details
Start your claim or estimate a refund first
The main claim flow supports every pension type available on CompanyPension. The refund calculator is an optional route for VBL, ZVK, VddB and VddKO cases.
Start your cash-out or refund
Upload a pension document or answer a few guided questions. If your case may be possible, create secure access and continue through the full online process.
Available for:
- bAV and provider-based cash-outs
- VBL and ZVK refunds
- VddB and VddKO refunds
Estimate your refund first
Upload a pension document or enter your information manually to receive a first refund estimate. You can create secure access and continue into the full application process afterwards.
Available for:
- VBL
- ZVK
- VddB
- VddKO
How long does it usually take?
Processing starts after your signed application has been submitted. Straightforward contribution-refund cases may be completed within approximately 4 to 12 weeks. The exact timing is controlled by the relevant pension provider, scheme or institution.
Timing can depend on:
- The pension provider or scheme
- Document and identity review
- Whether additional information is requested
- Whether earlier pension periods need to be checked
- Employer confirmation, where required
- Health insurance confirmation in some bAV cases
The provider pays approved money
directly to you
A German bank account is not required in most cases.
Some refund routes require a SEPA-capable EUR account. If you do not have one, CompanyPension can help you open a suitable EUR account.
bAV cash-outs may also be payable to an international bank account, depending on the provider.
If approved, the money is paid directly to the bank account you provide. CompanyPension does not receive, hold or forward approved pension money.
What the platform does — and what it does not do
What CompanyPension does
CompanyPension provides a secure digital application platform for:
- Guided bAV cash-out and company pension refund flows
- Secure document upload
- OCR and automated extraction of pension details
- Case-specific questions and document requirements
- Automated checks for missing or inconsistent information
- Preparation of the application from the information you provide
- Digital review and signing
- Technical transmission after you sign
- Secure display of provider correspondence and next steps
- Human oversight when clarification, translation or follow-up is needed
- Assistance opening a suitable EUR account where required
What CompanyPension does not do
CompanyPension is not your pension provider, pension advisor, insurance broker, financial advisor, tax advisor or legal representative for the claim.
- CompanyPension does not decide whether a refund is approved
- CompanyPension does not decide whether a bAV cash-out is granted
- CompanyPension does not provide pension, legal, tax, insurance or financial advice
- CompanyPension does not apply as the claimant
- CompanyPension does not argue your legal position
- CompanyPension does not receive, hold or forward approved pension money
You review and sign the application yourself and remain the applicant and claimant. The relevant provider, pension scheme or institution makes the final decision and pays approved money directly to the bank account you provide.
Questions about the digital process
No.
Start your claim is the main route for:
- bAV cash-outs
- VBL refunds
- ZVK refunds
- VddB refunds
- VddKO refunds
The calculator is optional and is available only for VBL, ZVK, VddB and VddKO refund estimates.
It does not calculate bAV cash-out amounts.
Ready to start your claim?
Upload your pension document or answer guided questions to start a bAV cash-out or company pension refund. For VBL, ZVK, VddB and VddKO refunds, you can also calculate a first estimate before continuing.
The refund calculator is not available for bAV cash-outs.If approved, the money is paid directly to the bank account you provide. CompanyPension does not receive, hold or forward approved pension money.