Living in Germany

Top 5 Tips To Save Money In Germany In 2023

by
save money in germany

Germany is known for its high living standards and expensive cost of living, especially in major cities like Berlin, Munich, and Hamburg.

Living in Germany can be expensive in general, but it doesn’t have to be. With some simple tips and tricks, you can save money and still enjoy all the wonderful attractions that Germany has to offer. From using public transportation to taking advantage of discount websites, there are many ways to make your stay in Germany more affordable. Here are 5 hacks for saving money while living in Germany.

1. Save Money on Utilities: Switch Electricity and Gas Providers Annually

Save Money on Utilities

Switching electricity and gas providers annually can lead to significant savings of 100€ to 250€ per year. It only requires 30 minutes of effort. Many providers offer attractive bonuses for new customers, resulting in lower prices for the first year. However, it’s important to cancel the contract to avoid automatic renewal for another year.

To find a cheaper electricity provider, you can use Verivox or Check24, which offers convenient services for transferring your contract. Keep in mind that each provider has a different cancellation period, for example, Vattenfall requires a 6-week notice before the contract ends.

Additionally, this strategy can also be applied to car insurance, where contracts should be canceled 3 months prior to expiry. By following these simple steps, you can save money and improve your financial situation.

Easy Ways to Change Electricity and Gas Providers

  1. CHECK24 is a leading comparison site in Germany for electricity and gas providers. Compare prices and offers from different suppliers, filter by green energy, contract duration, bonus payments, and more.
  2. Stromauskunft is another reliable comparison site that helps you find the best electricity and gas deals in Germany. Simply enter your postal code, annual consumption, and preferred payment method to get a list of suitable providers.
  3. Ostrom is a digital, 100% green, and English-speaking energy provider in Germany. Enjoy flexible contracts, transparent pricing, and easy sign-up.
  4. Vattenfall is a national energy provider offering a range of electricity and gas products in Germany. Choose from renewable energy, fixed price, smart home plans, and more. Benefit from their customer service, online portal, and loyalty program.

2. Pick A Fee-Free Bank Account & Credit Card

Save Money with Fee Free Banks

In Germany, there are numerous alternatives to traditional banks that cost a lot for the paperwork and maintenance. By opting for a mobile bank like N26, you can easily save money at least around 150 euros annually. Commerzbank, the only traditional German bank that offers most services in English, is free if you receive a minimum of 700 euros in it each month.

When it comes to choosing the right bank account and credit card, it’s essential to consider fee-free options that align with your needs and financial goals. With these banks below, you can enjoy the convenience, flexibility, and cost savings that come with these innovative banking solutions. Start maximizing your savings today!

Top Fee-Free Banks to Choose From

  1. N26: A 100% mobile bank offering a free standard account with a Mastercard debit card. Open an account within minutes of your smartphone, enjoying features like real-time push notifications, biometric authentication, and Google Pay/Apple Pay.
  2. DKB: An online bank offering a free current account with a Visa credit card. Enjoy worldwide free cash withdrawals and additional benefits like cashback, discounts, and interest on your balance.
  3. Comdirect: Another online bank providing a free current account with a Visa credit card and a Girocard. Benefit from free cash withdrawals at any ATM in Germany and abroad, along with access to online banking, brokerage, and savings products.
  4. Commerzbank: A traditional bank offering a free current account with a Mastercard debit card and a Girocard, requiring at least €700 incoming per month. Enjoy free cash withdrawals at any Commerzbank ATM in Germany, along with branch service, online banking, and customer support in English.

Use Germany’s Best And Affordable Public Transportation

Potential savings: €250 to €500 per year

Here are three ways to save money on public transit passes:

The 49 EUR Monthly Pass:

The 49 euro ticket, also known as the Deutschland Ticket, is a monthly pass that lets you use all public and regional transport in Germany for just €49. You can travel as much as you want, wherever you want, without worrying about buying individual tickets or zones. You can also enjoy the convenience of having one ticket for all modes of transport, such as buses, trams, subways, regional trains, and even ferries.

If you want to learn more about the 49 euro ticket and how to use it, check out our comprehensive article on public transportation here.

Subscribe to a Pass

The pass is automatically renewed and payment is deducted from your bank account. Remember to cancel the subscription in advance. Note that the 49 EUR ticket should also be bought as a subscription.

Purchase a yearly pass

Paying once per year is cheaper than paying monthly.

Get a 10-Uhr-Karte

The 10-Uhr-Karte is a monthly public transit ticket in Berlin. It’s 26% cheaper than the regular monthly ticket. If you don’t travel during those times, the 10-Uhr-Karte is a good way to save money. The 10-Uhr-Karte is cheaper, but it is not valid between 3 AM and 10 AM on weekdays.

3. File For Tax Returns – Every Year

If you’re a regular employee without any additional side income, filing a tax declaration may not be necessary. However, it’s worth considering if you can save on taxes in Germany by submitting a tax return. The average tax return in Germany is approximately 1000 euros.

One of the best tax return software in Germany is Taxfix, which makes filing your taxes easy and fast. You can use Taxfix to file your tax returns for up to four years in the past and claim back the money you overpaid to the tax office. Taxfix guides you through the process with simple questions and automatically fills out the forms for you. You can also scan your documents with your smartphone and upload them to the app.

Taxfix can help you save money by finding tax deductions that apply to your situation, such as work-related expenses, travel costs, health insurance premiums, and more. You can also check your refund amount for free before you submit your tax return.

If you decide to file with Taxfix, you only pay a flat fee of 39.99 euros per year, regardless of your income or complexity. You can also get a 10 euro discount if you use our referral link here. With Taxfix, you can complete your tax return in less than 30 minutes and get your refund within a few weeks.

Other Apps and Services to Easily File Tax Returns

While TaxFix takes the cake for the best Tax filing app, here are 4 other apps that you might want to consider,

  1. SteuerGo: SteuerGo is another online software tool that can assist you in filing your taxes in Germany. It offers various features and benefits tailored to your specific needs and preferences.
  2. Taxando: Taxando is a reliable online software tool designed to simplify the tax filing process in Germany. It provides user-friendly features to ensure a smooth experience.
  3. Smartsteuer: Smartsteuer is an intuitive software tool that helps you effortlessly navigate the tax return process. It offers a range of features to make filing your taxes in Germany a breeze.
  4. Zasta: Zasta is a comprehensive online software tool that makes filing taxes in Germany convenient and hassle-free. It offers a wide range of functions to cater to your individual requirements.

Filing your taxes in Germany doesn’t have to be complicated or expensive. With online software tools, you can save money and time on your tax returns and get your refund faster. Don’t miss this opportunity to claim back some of the taxes you paid in Germany!

4. Buy Refurbished Products To Save Money!

Why spend a fortune to buy new products from Amazon when Germany has some of the best options to buy refurbished products for less than half the original price and without compromising on the quality?

Refurbishment is the distribution of products (generally electronics) that have been previously returned to a manufacturer or vendor for any reason, not sold in the market or new launch of a product. Refurbished products are normally tested for functionality and defects before they are sold to the public.

Where to Buy Refurbished Products in Germany

There are many online platforms where you can buy refurbished products in Germany, such as Kleinanzeigen, Nebenan.de, and Back Market. These platforms connect you with sellers who offer refurbished products at discounted prices.

You can browse through different categories, such as electronics, home and garden, fashion, and more. You can also read reviews and ratings from other buyers to ensure the reliability and trustworthiness of the sellers.

Benefits of Buying Refurbished Products

In Germany Buying refurbished products in Germany has many benefits, such as:

  • Save money: You can save up to 70% on refurbished products compared to new products. You can also save on shipping costs, as many sellers offer local delivery or pick-up options.
  • Reducing waste: You can help the environment by buying refurbished products, as you prevent them from ending up in landfills. You also reduce the demand for new products, which saves energy and resources.
  • Getting quality: You can get products that look and work like new, as they have been tested and certified by sellers or third-party experts. You can also get warranties and guarantees on some products, which protect you from defects or malfunctions.

5. Harnessing the Power of Student and Employee Discounts in Germany

In the realm of personal finance, it’s the little things that count – especially when it comes to saving money in Germany. Whether you’re a student juggling textbooks and tuition fees, or a full-time employee managing daily expenditures, discounts can make a remarkable difference.

Every penny saved counts, and a surefire way to do this as a student is by leveraging the various ‘Studententarife‘ or ‘Studentenrabatt‘. Don’t shy away from inquiring about these discounts whenever you’re about to make a purchase.

The availability of these benefits spans across diverse areas – from bank accounts, and mobile and internet service providers, to public transport and health insurance. Take full advantage of student price reductions at cultural events, gym memberships, and even on portals like studentenrabatt.de.

However, it isn’t just students who can relish these savings; employees in Germany can also cash in on ‘Mitarbeiterrabatte’, thanks to platforms like Corporate Benefits.

Regrettably, these perks often slip under the radar as companies sometimes fail to adequately communicate them. Therefore, it’s worthwhile to ask your supervisor or colleagues if your organization is associated with these portals.

Be a Smart Shopper

Being a smart shopper means taking a moment to visit these portals before your next spree. It’s easy to neglect such opportunities when you’re eager to click the ‘buy now’ button, but a minute’s pause could lead to significant savings.

So, whether you’re a student stretching your Euro, or an employee aiming to make the most out of your income, embracing these discounts can pave the way for a more financially secure future in Germany.

For Students

 If you’re a student, you can enjoy lower prices on many things by showing your student ID or using a student portal. For example, you can get:

  • Free or reduced bank accounts with perks such as free cash withdrawals, overdraft facilities, and credit cards.
  • Cheaper internet and mobile plans with unlimited data, calls, and texts.
  • Discounted public transport tickets with regional or national coverage.
  • Lower health insurance premiums with public or private providers.
  • Reduced or free admission to museums, theaters, cinemas, concerts, and other cultural events.
  • Affordable gym memberships with access to various facilities and classes.
  • And much more!

For Employees

If you are an employee in Germany, you may also qualify for some employee discounts (Mitarbeiterrabatte) with other brands if your company is part of a portal such as Corporate Benefits. These portals offer discounts on hundreds of online shops and services, such as:

  • Fashion and accessories from brands like Zalando, H&M, Adidas, and more.
  • Electronics and gadgets from brands like Apple, Samsung, Sony, and more.
  • Travel and accommodation from brands like Booking.com, Expedia, Airbnb, and more.
  • Food and groceries from brands like Lieferando, HelloFresh, Rewe, and more.
  • And much more!

Don’t miss out on these opportunities to save money in Germany as a student or an employee. Always ask or look for discounts before buying something, and compare different options to find the best deal. You will be surprised by how much you can save by using these discounts!

Saving money in Germany is possible and easy if you follow these five tips. You can reduce your expenses on housing, food, transportation, entertainment and shopping by making smart choices and using discounts. By saving money in Germany, you can enjoy a higher quality of life and achieve your financial goals faster.

We hope you found this article helpful and informative. Thank you for spending your time reading it. If you have any questions or feedback, please leave a comment below. We would love to hear from you. Happy saving!

Discover the Advantages of German Permanent Residence Permit-2023

by
German Permanent Residence

Are you ready to embark on a life-changing journey filled with boundless opportunities and cultural richness? Look no further than the coveted German Permanent Residence Permit! Imagine a world where you can truly call Germany your home, where you can flourish in a land known for its thriving economy, breathtaking landscapes, and vibrant communities. In this article, we delve into the transformative power of the German Permanent Residence Permit, a gateway to stability, security, and a future brimming with endless possibilities.

Discover how this sought-after permit opens doors to personal growth, professional success, and fulfilling life in one of Europe’s most vibrant nations. Buckle up and prepare to unravel the secrets of the German Permanent Residence Permit, as we embark on an exhilarating journey of positive transformation and unlimited potential.

Getting German PR: A Challenging yet Rewarding Journey to Embrace

Obtaining the German Permanent Residence Permit is a process that requires fulfilling certain criteria, but with careful preparation and adherence to the requirements, it is indeed achievable. Germany offers various pathways for individuals to secure their permanent residence, such as employment-based, family reunion, or through long-term residency. While the process may involve gathering the necessary documentation, demonstrating integration into German society, and fulfilling specific residency and language requirements, the German government provides clear guidelines and resources to assist applicants.

By navigating the well-defined pathways and showcasing a genuine commitment to the country, individuals can embark on their journey towards obtaining the highly valued Permanent Residence Permit in Germany, opening the door to long-term stability, professional growth, and a vibrant life in the heart of Europe.

Types of Permanent Residence Permits in Germany

In Germany, there are several types of permanent residence permits available to individuals seeking long-term residency in the country. These include:

  1. Niederlassungserlaubnis (Settlement Permit): This permit grants unlimited residence and work rights in Germany, allowing individuals to permanently settle in the country.
  2. Aufenthaltserlaubnis zur Niederlassungserlaubnis (Residence Permit for Permanent Settlement): This is a temporary residence permit that serves as a pathway to obtaining the Settlement Permit. It is typically granted to individuals who have fulfilled specific criteria, such as contributing to the German economy or meeting certain language requirements.
  3. Erlaubnis zum Daueraufenthalt-EG (Permanent Residence – EU): This permit is designed for individuals who are citizens of other EU member states or their family members. It provides them with the right to permanently reside and work in Germany.
  4. Blaue Karte EU (Blue Card EU): This permit is specifically intended for highly skilled professionals from non-EU countries. It allows them to live and work in Germany, with the possibility of transitioning to permanent residency after a certain period.
  5. Familiennachzug (Family Reunion): This type of permit is granted to family members of German citizens or individuals with permanent residence in Germany. It enables family reunification and provides the right to live and work in the country.

Requirements For The Permanent Residence Permit in Germany

To apply for German permanent residency, you will need to submit the following documents to the Ausländerbehörde (Foreigners’ Office):

1. Valid passport.

2. Completed Settlement Permit Application Form.

3. Recent biometric photograph that adheres to German visa picture guidelines.

4. Health insurance certificate: If you have statutory insurance, provide confirmation from your provider. If you have private health insurance, submit the insurance policy and proof of paid contributions.

5. Certificate of German language proficiency.

For employed individuals:

   – Employment contract.

   – Recent employer certificate (issued within the last 14 days).

   – Salary statements from the past six months.

   – Certificate from the pension insurance institution.

For self-employed individuals and freelancers:

   – Completed audit report prepared by a tax consultant, auditor, or tax agent.

   – Last tax assessment notice.

   – Any additional requested documentation.

For pensioners:

   – Notice of pension entitlement.

   – Notice of pension information issued by the German Pension Fund.

   – Proof of payment of social security contributions.

6. Document of home ownership or lease agreement to demonstrate adequate accommodation for yourself and any family members.

7. Proof of address registration, such as a Certificate of Registration, indicating Germany as your primary place of residence.

If you fall into any of the following groups, you qualify for an expedited route to obtaining permanent residency in Germany, bypassing the usual four-year waiting period:

  • Graduates from a German university or vocational school.
  • Individuals with exceptional qualifications and expertise.
  • Holders of the EU Blue Card.
  • Self-employed individuals.
  • Family members of German citizens.

Holders of the EU Blue Card

For EU Blue Card holders, the path to a permanent residence permit in Germany is shortened to just 33 months. As long as you have been employed in a position that aligns with your qualifications and has consistently made monthly contributions to the statutory pension insurance fund, you can qualify. It is also necessary to demonstrate a minimum proficiency in the German language (A1 level), an understanding of German life, and adequate living arrangements.

read more about the EU-Blue card here.

Self-employed Individuals

Self-employed individuals who have been actively working for three years and possess a valid residence permit for self-employment are eligible to apply for permanent residency in Germany. Demonstrating successful self-employment at the time of application is crucial. Additionally, providing proof of sufficient funds to cover your own and your family’s living expenses is necessary.

Family Members of German Citizens

Immediate family members of German citizens who are employed in Germany can pursue permanent residency after three years. Requirements include achieving at least a B1 level of German language proficiency, confirming the intention to continue residing with the German citizen relative, having a personal income without reliance on social security assistance, possessing a valid work permit, and contributing to pension insurance.

Graduates From a German University or Vocational School

For graduates from German universities or vocational schools who have completed at least two years of work in Germany, a pathway to permanent residence is available under certain conditions:

Your employment must be directly related to the degree or vocational training you received in Germany.

You should have made contributions to the pension insurance for a minimum of 24 months.

Permanent Residency in Germany: How Much Does it Costs

As per the official website of the German Federal Government, the fees associated with obtaining permanent residence in Germany are as follows:

  • Standard cost: €113
  • Fast-track through self-employment: €124
  • Fast-track as a highly qualified professional: €147

These fees are subject to change, so it’s advisable to consult the official government sources or the relevant authorities for the most up-to-date information regarding permanent residence costs in Germany. For detailed information, you can visit the official German Federal Government website at German Federal Government website.

Potential Consequences of Losing Permanent Residency in Germany

Your permanent residence rights in Germany can be jeopardized under the following circumstances:

1. Prolonged Absence: If you leave Germany and remain outside the country continuously for more than six months, your permanent residence could be at risk.

2. Providing False Information: If you are found guilty of providing false or misleading information to the immigration authorities during the application process, it may result in the loss of your permanent residence rights.

3. Serious Criminal Offenses: Engaging in a serious crime that poses a threat to public order or safety can lead to the revocation of your permanent residence in Germany.

Furthermore, for specific types of serious offenses, the German authorities have the authority to impose a ban on your future settlement applications. However, in cases where a ban is not imposed, you can reapply once you meet the eligibility requirements again for German permanent residence.

It is crucial to be aware of and comply with the legal obligations and responsibilities associated with maintaining a permanent residence in Germany to ensure the longevity and security of your status.

The Privileges and Entitlements of Being a Permanent Resident in Germany

As a permanent resident of Germany, you enjoy various rights and benefits, including:

1. Indefinite Residency: You can reside in Germany without the need to renew your residence permit.

2. Job Flexibility: You have the freedom to change your employment, regardless of whether it aligns with your academic qualifications or training.

3. Entrepreneurial Opportunities: You can establish and operate your own business, irrespective of its connection to your educational background.

4. Social Security Assistance: If necessary, you are eligible to receive social security benefits, such as unemployment benefits, to support your financial well-being.

5. Financial Accessibility: You have the option to apply for bank loans, providing greater financial opportunities.

6. Educational Advancement: You can enroll in German universities and even seek financial assistance during your studies.

7. Path to Citizenship: After continuously living in Germany for eight years, you can apply for naturalization as a German citizen.

Travel Benefits as a German Permanent Resident

As a permanent resident of Germany, you possess travel privileges within the Schengen Zone, allowing visa-free travel for up to 90 days. Additionally, you can visit several other European countries, including Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Georgia, Kosovo, Mexico, Montenegro, North Macedonia, Romania, and Turkey, granting you further exploration opportunities.

These rights and travel benefits enhance your overall experience and integration as a permanent resident in Germany, providing opportunities for personal growth, professional advancement, and seamless travel across borders.

Steps to Take if Your Application for Permanent Residency in Germany is Declined

In the event that your application for permanent residence in Germany is turned down, the immigration authorities are required to provide a comprehensive explanation outlining the grounds for their decision. If you believe that you have been treated unfairly or essential information pertaining to your application has been overlooked, you have the option to request a reconsideration of the decision.

If the reconsideration process does not yield a satisfactory outcome, you can proceed to present your case before the German administrative courts. The German judicial system encompasses multiple levels, including regional courts, higher regional courts, and the Federal Court of Justice. In exceptional circumstances, if necessary, you can escalate your case to the European courts as a final recourse.

German Citizenship vs. Permanent Residence

While holding a permanent residence permit in Germany offers numerous benefits, it does not grant certain privileges available to German citizens. Permanent residency does not provide the right to vote in elections or obtain a German passport. However, if you have resided in Germany for over eight years, you have the option to pursue German citizenship, which grants additional rights and responsibilities, including the ability to participate in the democratic process through voting and enjoy the full privileges and protections afforded to German citizens.

we hope this article has provided valuable insights into the distinctions between German citizenship and permanent residence. While permanent residency offers stability and various benefits, obtaining German citizenship unlocks additional rights and opportunities. We encourage you to explore more of our articles to deepen your understanding of the topic.

We value your feedback, so please feel free to leave comments and share your thoughts. Thank you for reading, and we look forward to continuing to provide you with informative content in the future.

Tips for Finding Apartment in Germany: Insider Secrets 2023

by
Guide To Finding Apartment In Germany

Finding apartment in Germany can be an exhilarating yet challenging journey. With soaring demand and limited supply, it’s essential to equip yourself with the right strategies to increase your chances of success.

In this comprehensive guide, we’ll share valuable insights and expert tips that will give you a competitive edge in securing your dream apartment. Get ready to navigate the German housing market like a pro!

The Challenges and Opportunities of Finding an Apartment in Different German Cities

City Cost Ease of Finding Expat Friendly Effort Required
Berlin Affordable Challenging Yes Moderate
Munich Expensive Challenging Yes High
Hamburg High Challenging Yes High
Cologne Moderately Expensive Moderate Yes Moderate
Frankfurt High Challenging Yes High
Stuttgart High Competitive Moderate Moderate to High
Heidelberg High Challenging Moderate Moderate to High
Freiburg Expensive Challenging Moderate High
Leipzig Affordable Easy Developing Less Effort
Düsseldorf Moderately Expensive Moderate Yes Moderate

Required Documents for Renting an Apartment in Germany

When renting a flat in Germany, several documents are typically required by landlords. These documents serve as proof of your identity, financial stability, and reliability as a tenant. Here are the most common documents you will need:

1. Valid Passport or Identification Card: You will need to provide a valid form of identification to verify your identity.

2. Proof of Income: This can include recent pay slips, employment contracts, or bank statements showing regular income. Landlords want to ensure that you have a stable financial situation to afford the rent.

3. Schufa Credit Report: Schufa is a credit reporting agency in Germany. Landlords often request a Schufa credit report to assess your creditworthiness and determine if you have any outstanding debts.

4. Mietschuldenfreiheitsbescheinigung (Rent Clearance Certificate): This document, obtained from your previous landlord, confirms that you have paid your rent on time and have no outstanding rental debts.

5. Completed Rental Application: Landlords may require you to fill out a rental application form that includes personal information, employment details, and references.

6. Bank Statements: Some landlords may request recent bank statements to verify your financial stability and ensure that you can cover the rental costs.

7. Residence Permit: If you are a non-EU citizen, you will need to provide a valid residence permit or visa that allows you to live and work in Germany.

Renting with the Assistance of an Estate Agent

In Germany, renting an apartment through an estate agent can be convenient but often involves additional costs. Estate agents are employed by property owners to assist with the sale or rental process, and their services come with fees. 

However, when renting, it is typically the landlord who bears the commission fees, leading many people to opt for online platforms instead of engaging an agent. Before finalizing any agreement, it is crucial to clarify the payment terms for these commission fees.

Popular Online Platforms

In Germany, there are multiple online platforms where you can search for and rent flats. Here is a list of popular online renting portals that helps you with finding apartment in germany:

  • Mr. Lodge (Available in multiple languages – Munich only)

An Extra Affordable Option for Students

When it comes to students looking for accommodation in Germany, one popular platform is WG-Gesucht. This website specializes in shared housing options, also known as Wohngemeinschaften or “WG” in German. Living with international roommates can be a rewarding experience as it provides an opportunity for cultural interaction and language practice. It allows you to build a global network and learn about different perspectives while adapting to life in a WG-Gesucht environment.

When searching for a room on WG-Gesucht, it’s essential to create a detailed profile that highlights your interests, hobbies, and language skills. This can help you connect with like-minded individuals or find roommates who can assist you in adjusting to your new surroundings. Additionally, it’s crucial to be proactive in your search by reaching out to potential roommates and attending viewings promptly.

What Typical Information is Included in a Rental Contract in Germany?

Having a rental contract is generally beneficial for both landlords and tenants in Germany. It provides legal protection, clearly defines rights and responsibilities, outlines rental terms and conditions, and helps prevent misunderstandings or disputes that may arise during the tenancy. 

Some of the components rental contracts usually contain are:

  • Duration of the agreement
  • Deposit amount
  • Amount of monthly rent
  • Amount of additional costs, depending on your use
  • Rent increases information
  • A complete list of furniture, if you rent a furnished apartment
  • Pet rules (whether or not you’re allowed to keep them inside)
  • House rules set by the landlord, regarding the repair expenses they will and will not cover
  • Notice length (usually three months, if you or your landlord want to cancel the agreement)

What are the Typical Rental Prices in Germany?

The cost of renting in Germany varies depending on factors such as location and apartment size. Rental prices are often quoted per square meter, with central and larger locations commanding higher prices compared to suburbs.

On average, apartments in Germany are rented out at €7.04 per square meter. Prices can be higher in cities like Stuttgart (€10.41 per square meter) and Munich (€9.74 cold rent). Munich’s Karlsfeld municipality is the most expensive, with an average net cold rent of €10.86 per square meter.

For a one-bedroom apartment, the average rent in a German city is around €700, while outside the city it’s around €530.

When renting in Germany, a deposit equal to three months’ rent is typically required. Utilities are often not included in the rent and are specified in the rental contract. Apartments without utilities included are referred to as “cold rent” (Kaltmiete), while “Warmmiete” includes heating and additional costs.

What to Expect in a German Apartment

When renting a German apartment, it’s important to consider the following aspects:

1. Room Terminology: Germans use a different system for room classification. For example, a 1-room apartment in Germany refers to a studio, while a 2-room apartment indicates a separate bedroom and living space. Bathrooms and kitchens are typically not counted as rooms.

2. Kitchen Considerations: Pay attention to the term “Küche” (kitchen) in advertisements. Sometimes, it may only indicate the provision of water, gas, and electrical outlets, while the actual kitchen fixtures and appliances may not be included. Germans sometimes take their kitchens with them when they move.

3. Kitchen Requirements: In Berlin, kitchens are generally expected to have an oven and a sink. However, in other states, only the necessary utility connections are provided. Make sure you are aware of the kitchen arrangement to avoid surprises.

4. Fitted Kitchen: If you prefer an apartment in Germany with a pre-installed kitchen, look for listings specifically mentioning an “EBK” (Einbauküche).

5. Furnished Apartments: Fully furnished apartment in Germany is relatively rare, so don’t expect every rental to come with furniture. Be prepared to furnish the apartment yourself or consider partially furnished options.

The Challenges of Finding Apartment in Germany

Limited Availability: The demand for housing often exceeds the supply in major German cities, leading to a scarcity of available apartments. This results in fierce competition among prospective tenants, making it challenging to secure a desirable rental.

Stringent Requirements: Landlords in Germany often have strict criteria for selecting tenants. They may require proof of steady income, a positive credit history (Schufa), and sometimes even a guarantor. Meeting these requirements can be difficult, particularly for ex-pats who are new to the country and may not have established credit or financial history.

Long-Term Lease Expectations: Many landlords in Germany prefer long-term leases, typically lasting one to three years or even longer. This can pose a problem for individuals who require more flexible or short-term rental arrangements.

Language Barriers: The majority of property listings, rental agreements, and communication with landlords are in German. Non-German speakers may face challenges in understanding the terms and conditions, negotiating, and navigating the rental process effectively.

Rising Rental Prices: Rental costs in German cities, especially in popular areas, have been increasing steadily in recent years. High demand and limited supply contribute to this trend, making affordable housing harder to find, particularly in sought-after locations.

Discrimination and Bias: Discrimination in the rental market can be a concern, with some landlords preferring certain nationalities or profiles over others. Expats, especially those with non-German names or non-European backgrounds, may encounter biased treatment while finding apartment in germany.

Time and Effort: Finding apartment in Germany can be a time-consuming and energy-draining process. It often requires regularly checking various platforms, attending viewings, and submitting numerous applications before securing a suitable place.

In terms of big cities, Berlin stands out as an extremely competitive housing market. Its popularity as a cultural and economic hub has led to a significant influx of people seeking accommodation. The demand often surpasses the available housing stock, resulting in a highly competitive environment and long waiting lists for desirable apartments.

Frankfurt, being a major financial center, also presents challenges for apartment seekers. The city’s attractiveness to professionals and expatriates, coupled with limited housing options, makes finding an apartment in Frankfurt a daunting task. The rental prices in both Berlin and Frankfurt have risen significantly in recent years, adding another layer of difficulty for individuals searching for affordable housing.

This leads to a scarcity of available apartments, resulting in intense competition among potential tenants. Navigating these problematic issues requires patience, perseverance, and strategic planning. Expanding the search to different platforms, networking, seeking assistance from relocation agencies, and being prepared with the necessary documents can increase the chances of finding an apartment that meets one’s needs and preferences.

Key Factors to Consider when Finding Apartment in Germany

  1. Start Early: Begin your search well in advance, as finding apartment in Germany can take time, especially in cities like Frankfurt and Berlin. Many landlords require a three-month notice period, so it’s best to begin searching at least two to three months before your intended move-in date.
  1. Expand Your Options: Don’t limit yourself to a single platform or method of searching. Explore different resources such as online platforms (WG-Gesucht, ImmobilienScout24, eBay Kleinanzeigen), local newspapers, university notice boards, and social media groups dedicated to housing.
  1. Be Prepared: Have all necessary documents ready, including copies of your ID/passport, proof of income or financial support, and a Schufa (credit) report if available. Landlords often require these documents to assess your suitability as a tenant.
  1. Language Considerations: While it’s true that knowing German can significantly expand your options, there are still opportunities for non-German speakers. Consider utilizing online translation tools or seeking assistance from friends, colleagues, or relocation agencies to overcome language barriers during the search process.
  1. Networking and Referrals: Tap into your network of friends, colleagues, and fellow ex-pats. They may have leads on available apartments or be aware of upcoming vacancies. Personal referrals can increase your chances of securing an apartment, as landlords often prioritize tenants recommended by trusted sources.
  1. Persistence and Patience: Understand that finding apartment in Germany can be a competitive and challenging process. It’s common to view multiple apartments before finding the right one. Don’t get discouraged; persistence and patience are key to success.

By combining these insider tips with a comprehensive understanding of the German apartment search process, you can increase their chances of finding suitable accommodation.

Choosing a city to study and live in Germany can be a daunting task, as there are many factors to consider. To make it easier for you, we have done the research and analysis for you. We have ranked the top 10 best cities for students in Germany based on various criteria such as cost of living, quality of education, social life, and more.

Thank you for taking the time to read this article on finding apartment in Germany. We hope that the information provided has been valuable in your search for the perfect apartment. 

Finding a suitable rental can be a challenge, but armed with the knowledge of key terms, guidelines, and popular online platforms, you are well-equipped to navigate the process.

For more helpful articles and resources, we invite you to explore our website further. Best of luck in finding your ideal apartment in Germany!

Banking in Germany for Expats: A Complete Guide 2023

by
Banking in Germany for Expats

Living in Germany as an ex-pat comes with countless exciting opportunities. However, to fully embrace your new adventure, there’s one crucial step you must take: getting a German bank account. Don’t worry, we’ve got you covered!

Whether you’re a hardworking employee or a self-employed mastermind, having a German bank account is essential. It’s the gateway to receiving your hard-earned salary securely and efficiently.

But that’s not all! With a German IBAN, you’ll open the doors to a world of convenience. Setting up direct debits for your bills becomes a breeze. Say goodbye to endless paperwork and hello to seamless transactions. In this article, we cover everything you need to know about banking in Germany for expats.

Banking Options in Germany

Germany’s banking system consists of three main pillars:

Additionally, there are several international banks, online banks, and mobile banks operating in the country. The Deutsche Bundesbank serves as the national central bank, while the Federal Financial Supervisory Authority (BaFin) is responsible for regulating banking and financial services in Germany.

Why open a German bank account?

If you reside in Germany, having an account with a German bank is not mandatory. However, you will require some form of account to facilitate sending and receiving payments. 

This could be an international bank account, either with a Germany-based bank or a bank specifically designed to handle financial transactions for customers based in Germany. 

Alternatively, you may opt for a German mobile bank. It is essential to have an operational account in Germany to ensure regular payments, such as utility bills or German insurance premiums. 

Additionally, when applying for a German mortgage, you will need to provide proof of an active account in Germany.

Types of German Bank Accounts

Girokonto

Girokonto, or current account, is the primary bank account in Germany used for bill payments, deposits, withdrawals, and receiving money transfers.
 It serves as the standard account for receiving salaries and managing day-to-day expenses. German banks offer general current accounts as well as specialized options for students and young individuals.

Sparkonto

Sparkonto, or savings account, in Germany, offers interest on deposited funds, although current rates are low.

Banks provide options such as instant access accounts (Tagesgeldkonto) for flexibility and fixed deposits (Festgeldkonto) with higher interest rates and a minimum deposit requirement. The latter is commonly used for investment purposes. 

Savings accounts are accessible to both German residents and non-residents.

Non-resident Account

Standard current accounts in Germany are typically limited to residents with a permanent address in the country. 

However, several online and mobile-only German banks cater to individuals living abroad, making them suitable for those intending to relocate or work in Germany. These accounts serve as a convenient option for non-residents.

Mobile accounts

German banks provide Internet banking and mobile account options through banking apps. Major banks offer these digital services, and there are also several online-only and mobile-only banks in operation within Germany.

Tagesgeldkonto

Tagesgeldkonto, also known as an instant access account, offers potentially higher interest rates than a regular bank account. However, it does not allow check writing from the funds held within the account. It serves as a convenient option for individuals seeking a separate account to hold their surplus funds. 

Transfers to and from the Tagesgeldkonto are typically limited to a reference account, often a Girokonto.

Best Banks for Expats in Germany

Germany has a well-developed banking system with many local and international banks to choose from. However, not all banks are equally suited for ex-pats, as some may have higher fees, stricter requirements, or limited services for non-residents. To help you make an informed decision, we have compiled a list of some of the best banks for expats in Germany, based on their features, benefits, and drawbacks.

  • Deutsche Bank: Deutsche Bank is one of the largest and most reputable banks in Germany. It offers a range of products and services for ex-pats, including current accounts, savings accounts, credit cards, loans, mortgages, and investments. Deutsche Bank also has a dedicated English-speaking customer service and online banking platform.
  • DKB: DKB offers one of the best value accounts there is in Germany. The only bank account in Germany with a truly free credit card. Free current account. DKB also offers attractive interest rates on savings accounts and loans.
  • N26: N26 is a 100% online bank, with great customer service including on weekends, and a super-easy signup process; all of this is in English! They have four plans: N26 Standard (free), N26 Smart (4,90€) N26 You (9,90€ a month), and N26 Metal (16,90€ a month). Although N26 offers personal and business accounts, you can only have one account type with them. Shared accounts and credit cards are not available. Despite its limitations, N26 is a favorite and highly rated bank amongst ex-pats.
  • Wise (Formerly Transferwise): Wise is not a bank, but a money transfer service that allows you to send and receive money internationally at low costs. Wise also offers a multi-currency account and debit card that lets you hold and spend money in over 50 currencies without any fees. Wise is ideal for ex-pats who need to deal with multiple currencies or send money abroad regularly.
  • Revolut: Revolut is another money transfer service that also offers a multi-currency account and debit card for ex-pats in Germany. Revolut allows you to exchange and spend money in over 150 currencies without any fees. However, Revolut is not a licensed bank in Germany, so your money is not protected by the German deposit guarantee scheme.
  • Commerzbank: Commerzbank is another major bank in Germany that offers a variety of products and services for expats. Commerzbank has a special account for newcomers called StartKonto, which is free of charge and comes with a debit card and online banking access. Commerzbank also has an English-speaking customer service and website. However, Commerzbank may charge higher fees than some other banks for certain transactions, such as international transfers or cash withdrawals.
  • Comdirect: Comdirect is a subsidiary of Commerzbank that operates as an online-only bank. Comdirect offers free current accounts and credit cards for ex-pats in Germany. Comdirect’s credit card allows you to withdraw cash worldwide without any fees. Comdirect also offers competitive interest rates on savings accounts and investments.

Best Banks With English Speaking Support in Germany

  • N26
  • Deutsche Bank
  • Vivid
  • Berliner Sparkasse

Best Bank Account for Students in Germany

For students in Germany, managing finances can be costly. Fortunately, there are top-notch student bank accounts available with no fees, providing credit or debit cards and additional benefits such as cashback and rewards points. Consider the following recommended options:

N26: This fee-free online bank provides a range of services, including an ATM card, with no minimum balance or monthly fees. It boasts a user-friendly app for iOS and Android.

Vivid: With cashback programs and a free tier, Vivid allows you to earn money back while spending.

Deutsche Bank: If you have a Sperrkonto for your arrival in Germany, you may already have an account with Deutsche Bank. As long as you’re a student, the account remains free. Ensure the bank is aware of your student status to avoid being charged.

How To Open a German Bank Account

EU nationals can easily open a basic bank account in Germany. Non-EU nationals must provide registration and work permit documents. Banks are not obligated to open accounts without financial history. Opening an account in person at the branch is recommended.

Documentation includes:

-Your passport/photo ID with a valid visa or residence permit

– Proof of address

– Evidence of income/employment (required by many banks, depending on the account you want to open)

– Proof that you are a student, if opening a student account

– SCHUFA credit rating (may be required with some banks)

Best Online Banks in Germany

To open a digital or mobile bank account in Germany, certain banks allow online documentation submission, eliminating the need to visit a physical branch. Existing account holders can switch to mobile banking by downloading the app.

 Opening an account with online-only or mobile-only banks is simple with a valid ID, email address, and mobile phone number. For additional details, refer to the guides on digital and mobile banking in Germany.

What German Banks Provide for the Customers

German banks offer a range of services comparable to major banks in the US, UK, and other European countries. In addition to standard offerings like accounts, debit/credit cards, money transfers, and borrowing options, they also provide insurances (vehicle, home, health), mortgage solutions, pension plans, and investment opportunities.

Closing or Changing the Bank Account in Germany

Closing or switching bank accounts in Germany is relatively simple if there are no outstanding debts. It is important to follow the proper procedures and ensure the account is fully closed to avoid incurring any fees or charges.

before closing a bank account in Germany, make sure that you:

1. Ensure there are no penalties for early account closure or any minimum period requirement associated with special offers.

2. Obtain written confirmation from the bank stating that the account has been officially closed.

3. Cancel all future payments, such as direct debits and standing orders, to prevent any further transactions from the account.

4. Notify your employer and other parties who make payments into your account about its closure to avoid any confusion or incorrect transfers.

We trust that this article has provided valuable insights and guidance in your quest for the perfect bank account. 

Making an informed decision is crucial, and we believe you now possess the knowledge to select an account that aligns with your specific requirements.

Explore our other articles for further informative content on your migration journey. Empower yourself with the information you need to thrive in the realm of your expat life.

Public Transport In Germany: Your Guide to Seamless Travel 2023

by
Public Transport In Germany

Get ready to embark on a transportation journey like no other! Germany boasts an extraordinary public transport system that seamlessly connects bustling cities, links towns of all sizes, and ensures hassle-free commuting for locals and ex-pats alike.

Renowned for its reliability, comfort, and impressive speed, Public Transport In Germany is a well-kept secret, even among car enthusiasts. Whether you’re a busy commuter or a curious explorer, rest assured that Germany’s extensive network has you covered.

Discover Germany’s World-Class Public Transport System

With an impeccably organized national railway network, journeying across the country becomes a breeze with Deutsche Bahn at your service. On a local scale, buses, trams, metro networks, suburban trains, and even ferries are seamlessly managed by Germany’s states.

Discover a transportation revolution in Germany. Embrace safe, efficient, and user-friendly public transport that has reshaped car-centric cities like Berlin (30% reliance on cars) and Munich (33% reliance). With an astounding 30 million passengers traveling daily, Germany stands as a true transportation haven. Get ready for a remarkable voyage alluring Public Transport In Germany by your side.

But First, Germany’s €49 Ticket: What It Is, How It Works and Why You Need It Now

If you love traveling around Germany and exploring its diverse regions and cities, you might be interested in a new offer from Deutsche Bahn: the €49 ticket. This ticket allows you to use all public transport in Germany for a flat monthly fee of €49. Sounds too good to be true? Here’s what you need to know about this amazing deal.

The €49 ticket, also known as the “Deutschlandticket”, is a monthly subscription ticket that gives you access to all public transport throughout Germany (excluding ICE, IC, or EC trains). Once you’ve signed up for the subscription, €49 will be debited from your account every month. You can cancel the subscription at any time, with no minimum contract duration or notice period.

The ticket is valid on all local public transport, including buses, trams, subways, regional trains, and ferries. You can use it to travel within and between cities, as long as you don’t board any long-distance trains. You can also take other people with you using the €49 ticket, as long as they are children under 15 years old or dogs.

The €49 ticket is a great way to save money and enjoy the convenience of traveling without having to buy individual tickets or worry about zones and fares. You can discover new places and attractions in Germany, or visit your friends and family more often. You can also reduce your carbon footprint by using public transport instead of driving or flying.

The €49 ticket is available to purchase online, in the app, and at DB travel centers from 3 April 2023. You can start using it from 1 May 2023. All you need is a valid ID card or passport and a bank account. You will receive a mobile ticket or a chip card that you can show to the ticket inspectors.

If you are looking for a flexible and affordable way to travel around Germany, don’t miss this opportunity. The €49 ticket is a limited offer that will only be available until 31 December 2023. So hurry up and get yours today!

Exploring Diverse Modes Of Public Transportation In Germany

Germany’s bustling urban centers offer an array of transportation options that cater to every traveler’s needs. The go-to choice for speed and popularity lies in the Rapid transit system, comprising five U-Bahn lines covering city centers, complemented by thirteen S-Bahn lines that seamlessly navigate underground and overground routes, extending towards the suburbs.

The reliable Straßenbahn (tramlines) and the trusty bus system are complementing this network. Buses prove invaluable during nighttime journeys, offering affordability and availability, although they may sacrifice speed and comfort. Meanwhile, the tramlines boast higher capacity and faster speeds, running on dedicated tracks, but with fixed routes that limit flexibility.

U-Bahn (subway/underground)

U-Bahn (subway/underground)

Germany’s major cities boast an extensive underground transportation network called the U-Bahn, which stands for Untergrundbahn, meaning underground railway. 

These rapid transit systems predominantly operate beneath the city, emerging above ground as they approach the outskirts. The lines are well-ordered and designated with a U followed by a numerical identifier. Commuters can rely on frequent service intervals, with trains arriving every 5 to 15 minutes.

There are four U-Bahnen (urban metro networks) in Germany:

  • Berlin
  • Hamburg
  • Munich
  • Nuremberg

S-Bahn (suburban commuter rail)

S-Bahn (suburban commuter rail)

The S-Bahn is a commuter rail network that operates within the city center and extends to the suburbs and neighboring towns. 

In major cities like Berlin, Hamburg, Munich, Frankfurt-Mainz-Wiesbaden, Stuttgart, Cologne-Düsseldorf-Ruhr District, Nuremberg, Dresden, Leipzig-Halle, Mannheim-Heidelberg-Karlsruhe, Magdeburg, and Rostock, express trains efficiently connect the city center with the outskirts. 

In the largest cities, the S-Bahn system closely resembles a metro system, offering frequent service every 20-30 minutes. The train makes multiple stops in and around the city center before continuing its journey into the suburbs.

Weekday service differs from weekends, with reduced frequency, especially on Sundays and holidays.

Bus

In Germany, bus stops are identifiable by the capital letter H. The number of bus systems operating within a city tends to rise with its size.

 Berlin, being a large city, has multiple bus systems operating concurrently, including a night bus service. Conversely, smaller towns typically operate under the GermanRail system for their bus transportation needs.

Straßenbahn/Trambahn (streetcar/tram)

Streetcars, also known as trams, are a common mode of above-ground transportation in many cities, particularly in the eastern regions of Germany. 

In larger cities, the streetcar network may even have underground sections in the central areas, strategically avoiding densely populated areas.

 Interestingly, streetcars are often referred to as the “tube” by locals, emphasizing their significance in urban transportation.

Stadtbahn (light rail)

Germany has a transportation system known as Stadtbahn, or light rail, which is similar to the U-Bahn but primarily operates above ground in suburban areas. It offers a faster service compared to the streetcar system, Trambahn, as it has its own dedicated route.

Stadtbahn translates to ‘city railway’. Stadtbahn trains run at a frequency of approximately every 10-20 minutes. The Stadtbahn stations are marked with the same “U” symbol as U-Bahn stations, but they are clearly labeled as Stadtbahn below the symbol to avoid confusion.

Ticket (Fahrkarte)

Tickets for public transport in Germany are available in various options, including single-use passes, daily passes, weekly passes, and monthly passes. These tickets grant passengers access to all modes of public transportation within the city, including S-Bahn, U-Bahn, buses, trams, and ferries.

To purchase tickets, one can use the multilingual ticket machines located on the platforms of S-Bahn and U-Bahn stations, which is convenient for expatriates. Alternatively, when boarding buses, passengers can pay the fare directly to the bus driver in the traditional manner. In trams, tickets can be obtained from ticket machines inside the trains.

It is crucial to validate tickets before starting the journey. This can be done by stamping the ticket at the yellow or red validation machines on the platforms. In buses or trams, the ticket is manually validated by the responsible personnel. Failure to validate a ticket can result in a fine of approximately 40 Euros during ticket inspections.

Pets and public transportation

Pets and public transportation

Traveling with a dog is permitted under certain conditions. Dogs must be leashed and wear a muzzle (mouth mask). Small dogs that can be held, approximately the size of a cat, do not require a ticket. However, for larger dogs, a ticket fee of 1.5 euros is typically required.

Public transportation apps

In Germany, several convenient apps are available to facilitate the use of public transportation. These apps serve different purposes such as route planning and ticketing. Here are some notable examples:

– Citymapper: This app is available in multiple German cities, including Berlin, Cologne, Dortmund, and Hamburg. It can be accessed on Android, iOS, and web browsers.

– FAIRTIQ: An alternative ticketing app that collaborates with local transportation authorities in cities such as Aschaffenburg, Flensburg, Göttingen, Halle, Lörrach, Mittelthuringen, and Oberelbe. FAIRTIQ is available for Android and iOS.

– Google Maps: Widely used, Google Maps offers integrated timetables and route planning for public transportation across most of Germany. It can be accessed on Android, iOS, and web browsers.

– Öffi: This comprehensive app covers nearly all local and regional transportation networks in Germany and is available exclusively for Android.

– RMVGo: RMVgo is the smart and personal companion for all residents and visitors of the Rhine-Main region in terms of mobility.

Additionally, many local transportation authorities and companies have their own dedicated apps. 

Examples include BVG for Berlin, VRS for Cologne and Bonn, DVB for Dresden, RMV for Frankfurt am Main, HVV for Hamburg, MVV for Munich, VGN for Nuremberg, VRN for Rhein-Neckar, and VRR for Rhein-Ruhr. 

For train passengers, Deutsche Bahn, the national railway company, offers the DB Navigator app. It allows users to search for itineraries, book tickets, and check train compositions.

In Germany, ex-pats can significantly benefit from utilizing the excellent public transportation system. With extensive coverage, frequent services, and efficient connections, it offers a cost-effective and environmentally friendly way to navigate cities. 

Public transportation grants access to a variety of modes, including trains, trams, buses, and subways, ensuring convenient travel options. 

Expats can avoid the hassle of driving, parking, and the high costs associated with taxis. Embracing public transportation facilitates exploration, integration, and a deeper understanding of the local culture and lifestyle.

Thank you for taking the time to read this guide on public transportation in Germany. We hope it has provided valuable insights and helpful information for ex-pats navigating the country’s transportation system. 

Stay tuned for our upcoming content. We appreciate your readership and look forward to serving you with more valuable content in the future.

The Ultimate Guide to German Health Insurance: What You Need to Know 2023

by
German Health Insurance

Germany’s healthcare system stands tall among the best in Europe, ensuring top-notch medical services for its residents. With state healthcare accessible to all, funded by social security contributions, the nation leaves no one behind in the pursuit of well-being.

Discover the ins and outs of health insurance in Germany – your ultimate guide to comprehensive coverage! Whether you’re a student, an expecting parent, or a freelancer, we’ve got you covered. Unveil the secrets of the German Health Insurance system and unlock the perks of private insurance tailored just for you.

Do you really need to have health insurance as a resident of Germany?

By law, all residents must ensure they’re covered for hospital and outpatient medical treatment, making it an essential requirement when applying for a German visa. Don’t let this vital aspect slip through the cracks, as it can impact your ability to enroll in school, obtain a residence permit, and pave the way for a successful journey in the country.

Will Your Foreign Health Insurance Shield You in Germany?

While the allure of exploring a new country is exciting, it’s crucial to ensure that your health is well protected. For European Union (EU) citizens, the European Health Insurance Card (EHIC) acts as a temporary shield during your stay in Germany. However, once you settle down and register as a resident, the rules change. 

But what if you’re arriving in Germany from outside the EU? In most cases, having German health insurance becomes a prerequisite for obtaining a residence permit. Don’t fret; our guide will lead you through the process of securing German health insurance seamlessly.

German Public Health Insurance

Germany’s public healthcare system, established in 1883 as Gesetzliche Krankenversicherung (GKV), ensures that approximately 90% of residents have statutory health insurance coverage. This includes individuals in paid employment or vocational training, such as trainees and apprentices, with monthly earnings ranging from €520 to €5,550 (as of 2023).

Family members, including spouses, civil partners, and children up to a certain age, can benefit from family co-insurance under specific conditions if they are covered by state healthcare insurance. Dependents typically do not need to pay contributions, as long as their income remains below €520 per month.

Retirees, pensioners, and those receiving unemployment benefits or assistance are also eligible for state healthcare coverage.

Health Insurance for Self-Employed Individuals

Regarding health insurance, self-employed individuals in Germany are not legally obligated to enroll. However, it’s important to note that foreign nationals relocating to Germany from abroad are required to have health insurance coverage.

For self-employed individuals or freelancers working in Germany, there are specific regulations regarding public health insurance. The monthly cost of your health insurance is determined by a percentage of your monthly income, meaning that the lower your earnings, the lower your contribution.

Referred to as the “contribution rate,” the monthly fee for public health insurance only varies slightly among different statutory providers. On average, you can expect to pay around 14.90% to 15.40% of your monthly salary for public health insurance coverage. It’s worth noting that the minimum monthly salary for mandatory public health insurance contributions is €1131.67 (as of 2023), while any income exceeding €4987.50 per month incurs the same contribution rate.

Navigating health insurance as a self-employed individual can be complex, but understanding the guidelines and costs will empower you to make informed decisions about your coverage. 

Health Insurance For International students Is Mandatory

In fact, German universities mandate that students provide proof of health insurance before they can enroll and begin their academic journey.

For international students under the age of 30 pursuing Bachelor’s or Master’s programs at German universities, public health insurance is available. However, it’s important to note that enrollment is not automatic. These students need to manually sign up with a statutory health insurance company. Unlike contributions based on salary, students pay a monthly fee of approximately €117, depending on their chosen provider. This ensures access to comprehensive healthcare services throughout their studies.

Students who are over 30 years old or enrolled in a Ph.D. program are not eligible for state health insurance coverage. Nevertheless, they still need to demonstrate proof of insurance during the enrollment process. In such cases, it is advisable for students to opt for private health insurance providers, such as Allianz Care.

Fortunately, certain countries have agreements with Germany that allow their national health insurance to be recognized and accepted within German borders. Students originating from these countries do not need to obtain separate insurance coverage:

  • European Union member states
  • Bosnia and Herzegovina
  • Iceland
  • Israel
  • Liechtenstein
  • Macedonia
  • Montenegro
  • Morocco
  • Norway
  • Serbia
  • Switzerland
  • Tunisia
  • Turkey

Best Private Health Insurance for Expats in Germany

If you’re considering private health insurance in Germany, several reputable companies cater specifically to ex-pats and offer comprehensive coverage:

What Does German Public Health Insurance Cover?

German public health insurance provides coverage for various essential healthcare services. These include inpatient care at nearby hospitals, ensuring immediate attention during emergencies, as well as outpatient care at medical clinics. Additionally, it guarantees access to necessary medicines and vaccines to support your well-being.

While coverage remains quite consistent across different statutory health insurance providers, with approximately 95% of benefits being the same, there are certain aspects to consider. Public health insurance covers aspects of eye care, dental care, and alternative medicine; however, co-payments are often required, and there may be limitations on the scope of what you can claim.

It’s important to note that if you desire more accessible access to specialists or prefer a private hospital room, you may need to consider a private healthcare plan. Private options also offer more comprehensive mental healthcare options compared to the public system.

Maternity Care in Germany

When it comes to maternity care, state health insurance in Germany typically covers the essential expenses associated with prenatal care and childbirth. However, it’s important to note that more complex procedures, such as fertility treatments, may require a co-payment.

To support families during the post-natal period, most public insurance companies provide a bonus ranging from €100 to €300 when a baby is born. This financial assistance helps alleviate some of the post-natal costs that parents may incur.

If you opt to give birth in a private hospital, it’s crucial to verify whether your insurance provider covers these expenses. Additionally, it’s advisable to research and understand the potential costs associated with the baby’s delivery and care in such a setting.

Is Private Health Insurance Right for You?

Private health insurance in Germany is chosen by approximately 1 in 10 residents, and the market consists of around 40 companies offering diverse packages to cater to different budgets and lifestyles. Not everyone is eligible to switch from the state or public system to private insurance, as it depends on your employment status and income.

Generally, if your annual income falls below €66,600 (as of 2023), you are required to remain on the statutory or public system. However, there are several scenarios where private insurance may be an option:

  • Self-employed individuals: Those who work for themselves have the freedom to choose private health insurance.
  • Civil servants: Civil servants are typically eligible for private insurance coverage.
  • High earners: If your income exceeds the salary threshold, you have the option to opt for private insurance.
  • Ineligibility for state insurance: If you don’t have a basis to join a state insurance scheme, private insurance becomes a viable alternative.
  • Students over 30 or pursuing a Ph.D.: Students in this category may not qualify for state insurance and can consider private options.

While private health insurance offers various advantages, it’s important to carefully consider your decision. Premiums for private insurance are determined based on personal factors, and costs tend to increase with age, health risks, and the inclusion of additional family members. 

Moreover, individuals with certain medical conditions may face challenges in being accepted by private insurers. In such cases, a basic tariff (Basistarif) is available, which obligates private insurers to accept all cases under the same conditions as the statutory system.

Ultimately, the decision to switch from public to private health insurance should be based on a thorough evaluation of your specific needs, financial circumstances, and eligibility criteria.

Private health insurance companies in Germany

A number of private health insurance companies operate in Germany, including:

  • Allianz Care
  • Cigna Global
  • DFV
  • Feather
  • Ottonova

The Cost of German Health Insurance

In Germany, healthcare costs are covered through social security contributions, and the administration of state healthcare access is handled by approximately 120 insurers.

For employed individuals, a portion of their net income is allocated to healthcare contributions since 2015. The total contribution amounts to 14.6% of their income, with employers sharing this cost, resulting in employees paying around 7.3%. These contributions are automatically deducted from salaries as long as individuals are employed.

In addition to the standard contribution rate, German state health insurers may also impose an additional contribution rate. This rate can vary from year to year based on healthcare expenditure. In 2021, the average additional contribution rate across all public insurers stood at 1%. It’s important to note that your insurance provider is required to inform you of any changes in their contribution charges.

By understanding the structure of healthcare contributions in Germany, individuals can better comprehend the financial aspects of their health insurance coverage.

Conclusion

The German insurance system provides a comprehensive framework for ensuring access to healthcare services. With a combination of public and private options, residents can choose the coverage that best suits their needs. Statutory health insurance offers broad coverage for the majority of the population, while private insurance caters to specific situations and preferences.

Ultimate Guide to Drinking in Germany: Top Drinks and more 2023

by
Ultimate Guide to Drinking in Germany

Discover the captivating world of Germany’s vibrant drinking culture, where every sip is an experience that goes beyond the glass. Immerse yourself in a realm of exquisite flavors and aromas, as Germany unveils its top-tier reds, whites, and renowned liqueurs that have captured the hearts of connoisseurs worldwide.

Yet, the German drinking culture is so much more than just the libations it offers. It’s a tapestry of customs and rituals, an art form that celebrates the joy of connecting with loved ones over a well-crafted drink. From lively gatherings at charming beer gardens to cozy conversations in historic taverns, every moment is an opportunity to indulge in the rich traditions that have been passed down through generations.

Germany’s Relaxed Attitude Towards Drinking

Drinking in Germany is not merely a pastime; it’s a way of life. It’s about relishing the moment, immersing yourself in the rich tapestry of flavors, and embracing the warmth of companionship. So, raise your glass and embark on a captivating journey through Germany’s enchanting drinking culture.

Germany’s vibrant cultural landscape boasts a deep-rooted, almost reverential relationship with beer drinking. This integral aspect of the national ethos is not merely about the consumption of the hoppy beverage. Instead, it’s a finely tuned ballet of indulgence and restraint that forms an enduring part of Germany’s unique charm. Unlike the somewhat notorious binge-drinking habits often attributed to British tourists, the German approach to drinking is characterized by moderation, with instances of public inebriation surprisingly rare.

Germany’s relaxed drinking laws allow beer consumption from the age of 16, a stark contrast to the legal age for spirits and other potent alcoholic beverages, which stands at 18. The open social acceptance of drinking in Germany manifests itself in the common sight of locals savoring a cold beer in public spaces. Whether it’s a leisurely picnic in a park, a bustling train carriage, or a quiet bench at the end of a long workday, the ubiquitous presence of beer in the hands of Germans paints a vivid picture of the nation’s fondness for this frothy delight.

The quintessential role that beer plays in the German societal fabric is eloquently encapsulated in the term “Bierernst.” This phrase, translating to “serious beer,” speaks volumes about how the Germans intertwine their passion for beer with a sense of responsibility and decorum. The world-renowned Oktoberfest is an emphatic testament to this approach. The grand spectacle, known far and wide as the ultimate beer festival, stands as an iconic symbol of Germany’s ardor for beer drinking. While it now draws globetrotters in droves, Oktoberfest’s essence remains firmly rooted in a reverential celebration of German breweries and their rich heritage.

Planning to make Germany your home? Engaging with the nation’s distinctive drinking culture can offer invaluable insights into its authentic ethos. Even for those who may not share the same enthusiasm for beer, immersing oneself in the Oktoberfest experience or exploring traditional beer bars could prove to be an enriching cultural journey. Such experiences offer a unique window into local traditions, enabling one to truly grasp the German spirit – in more ways than one.

Oktoberfest: Your Comprehensive Guide to the World’s Grandest Bavarian Festival

The Oktoberfest in Munich, Germany, stands unrivaled as the globe’s grandest homage to Bavarian culture. Annually drawing innumerable visitors from all corners of the world, this two-week-long extravaganza is a vibrant tapestry of tradition, camaraderie, and merry indulgence. Whether you’re gearing up for your inaugural Oktoberfest experience or seeking a refresher ahead of your return to the jubilant jamboree, this thorough guide is your one-stop shop. We’ve got you covered, from insider tips to essential knowledge, ensuring you extract every ounce of enjoyment from your Oktoberfest adventure.

Diving into Oktoberfest Activities

Oktoberfest is a whirlwind of experiences that cater to all tastes. Visitors have the golden opportunity to taste a vast spectrum of expertly brewed German beers. But the delights don’t stop there. The festival also boasts a mouthwatering array of traditional Bavarian cuisine, promising a culinary voyage that goes hand-in-hand with the frothy beers on offer. Amidst the clinking of steins, visitors are serenaded by live music resonating through the festival grounds, and carnival rides add an exhilarating twist to the proceedings.

One of the festival’s most anticipated moments is the ceremonious tapping of the first keg of beer, performed by none other than the Mayor of Munich. This event heralds the commencement of the lively festivities, sending waves of anticipation through the eager crowd. Regardless of whether you’re a die-hard beer aficionado or a curious traveler eager to soak in the German culture, the Oktoberfest in Munich is a cultural institution that deserves a spot on your bucket list.

The Best German Drinks You Need to Try

Alcoholic Drinks

Jägermeister, a herbal liqueur containing 56 different herbs, is a popular alcoholic beverage in Germany, second only to beer.

Many people believe that the unique blend of herbs gives Jägermeister medicinal properties, making it a complex and delicious digestif.

The recipe for Jägermeister remains a well-kept secret since its creation in 1934. This intriguing liqueur is said to contain hints of saffron, ginger, citrus, and liquorice. Although it’s often used as a mixer in various popular cocktails.

 Jägermeister can also be enjoyed on its own, especially when served ice cold.

Himbeergeist is a raspberry-based spirit that’s mainly produced in Germany and France’s Alsace region. This popular drink is made by soaking wild raspberries in alcohol, giving it a unique flavor profile that features undertones of mint and basil.

With an alcohol content of around 40% ABV, Himbeergeist packs a powerful punch that’s sure to satisfy your senses. 

While it’s perfectly enjoyable on its own, it’s also a popular choice to pour over raspberry sorbet and garnish with mint for a delicious dessert.

Killepitsch, a herbal liqueur invented in Düsseldorf in 1858, boasts a more complex and robust flavor compared to Jägermeister, which it resembles in taste.

Made of 98 different organic herbs, fruits, and berries that are aged in vintage clay pots, Killepitsch is perfect for those who enjoy intense and refined herbal liqueurs.

This potent drink can be enjoyed on its own or mixed with other ingredients in cocktails.

Famous In The World Beers

Kölsch is a highly fermented pale yellow ale beer that can be traced back to the early 1600s, and it’s exclusively brewed in Cologne.

This fully-rounded beer has fruity undertones while remaining crisp and easy to drink, making it perfect for warm weather. It’s traditionally served in a Stange glass, and you can taste three Kölsch beers during a brewery tour in Cologne to learn about their brewing culture. 

Drinking a glass of Kölsch in Cologne is a must-do for anyone looking to sample some of the world’s best beer.

Weißbier, or wheat beer, is a light-colored top-fermented beer that must contain at least 50% wheat-to-barley ratio to be considered authentic according to German regulations. 

The unique top-fermented yeast used to brew Weißbier imparts a distinct taste of banana and clove, setting it apart from other traditional German beers. Weißbier can take on different forms, with the stronger Weizen Stark Bier and darker Dunkel Weisen being the most popular. 

Weizenstarkbier is significantly more potent than the toasted-malt Dunkelweizen.

Helles is a type of light beer that originated in Bavaria in 1894 as a response to the growing popularity of lighter pilsners in the neighboring Czech Republic. 

Traditional Bavarian beers were stronger and darker than Czech pilsners, so local German breweries started experimenting with their own version of the light beer. 

Bavarian Helles typically have a firmer body and a more malt-forward taste compared to Czech pilsners, while still being smooth and refined. 

This easy-to-drink beer is widely available throughout Germany and is a great option for those looking to sample the country’s beer culture.

Interesting  Cocktails

Hugo is a light and refreshing cocktail that has gained popularity in Germany, Austria, Switzerland, and Italy since its creation in 2005.

Bartender Roland Gruber originally made the cocktail with lemon balm, but it has since been adapted to include elderflower syrup for extra sweetness.

The cocktail’s floral sweetness and relatively low alcohol content make it an inviting drink for any time of the year.

The Hugo is made from sparkling wine, elderflower syrup, and club soda, and topped with mint for a rounded finish. It’s the perfect aperitif to enjoy before a meal and was created as an alternative to the famous Aperol Spritz cocktail.

The Radler is a well-liked cocktail in Germany that puts a new spin on the nation’s favorite drink, beer. 

It is made by mixing German beer and lemonade, and the story behind its creation is that it was invented in a bar in Deisenhofen to avoid running out of beer during a cycling event.

This account of the Radler’s origin inspired the drink’s name (Radler translates to cyclist in German) and helped spread its popularity across Germany. 

Even though variations of the Radler can be found worldwide, a genuine Radler made with authentic German beer is an exceptional and unique experience.

Eierlikör is a German winter beverage that is a richer and more alcoholic version of eggnog. It is a creamy and flavorful drink that is popular during the wintertime.

Eierlikör is typically made from egg yolk, sugar, vanilla extract, rum, and whipped cream. Its taste mainly comes from the eggs and rum, unlike eggnog which is flavored primarily with dairy and spices.

This unique liqueur is widely consumed in Germany and the Netherlands and is exported to the United States and Canada by some brands.

Eierlikör is best served warm in a glass and is a perfect way to keep warm during the freezing German winters.

German Wines

Riesling, a type of aromatic wine, originates from regions in Germany that are adjacent to the Rhine River. 

It has a distinctive flavor profile that is characterized by a crisp and refreshing taste, coupled with fruity notes of apple, apricot, pear, and peach. 

Compared to regular white wines, Riesling has a higher level of acidity, which adds to its unique taste.

One way to identify an authentic Riesling is to look for its distinctive bottle shape, which is tall, slender, and elegant.

This wine has been around since the 15th century and has been enjoyed by German nobility and esteemed citizens for centuries. Today, it can be found in restaurants and shops worldwide.

Apfelwein is a unique German wine made from apples instead of grapes.

It differs from traditional cider in that it is not a sparkling sugary drink, but rather a tart, fermented drink that uses older, more bitter apples.

However, there is a sweeter variation of Apfelwein called Süßgespritzter, which is made by mixing lemonade with Apfelwein.

Apfelwein is a popular drink in the Hessen Rhein-Main winemaking region of Southern Germany, where more than 100 types of apples are grown.

Authentic Apfelwein is easily distinguishable by its tart taste and lack of carbonation.

Glühwein is one of the most popular beverages during the winter season in Germany, a type of mulled wine that is often enjoyed in social gatherings with friends and family.

Unlike traditional wines found in high-end markets or restaurants, Glühwein is a warm beverage made from mixing red wine with spices like cinnamon, cloves, anise, and sugar, and is topped off with a hint of orange peel to enhance its flavor. 

Some regions in Germany also make Glühwein with white wine and add a dash of Schnaps or rum for an added kick.

Quirky Traditions About Drinking in Germany

Germans have some interesting customs and traditions when it comes to drinking. Here are a few to keep in mind:

– When clinking glasses with someone, it’s important to make eye contact. If you don’t, it’s considered bad luck and could bring seven years of bad sex.

– When clinking glasses, make sure not to cross arms. While the consequences of this aren’t clear, it’s definitely something to avoid.

– If you’re drinking Weizenbier, make sure to use a wide-topped glass instead of drinking straight from the bottle. This is because the yeast needs room to spread.

– In Bavaria, it’s common to have hefeweizen, a malted beer, for breakfast.
– For a unique twist on mulled wine, try Die Feuerzangenbowle, which involves setting a sugarloaf on fire above a bowl of mulled wine using tongs. The caramelized remnants drip down into the wine, creating a tasty combination.

In conclusion, Germany’s drinking culture is as diverse and unique as its breathtaking scenery. It’s a fascinating blend of high-quality beverages, social traditions, and brewing excellence, making Germany a must-visit destination for those seeking an unforgettable drinking experience.

Thank you for taking the time to read this article about German drinking customs and traditions. Our website has many more articles that explore German culture and traditions, so please visit us again soon for more fascinating insights into the world of Germany.

Study in Germany: Affordable Education for International Students – 2023

by
Study in Germany: Affordable Education for International Students

Study in Germany: A Pocket-Friendly Choice for International Students

Germany has become a top choice for international students seeking higher education due to its affordable living costs and tuition-free education at public universities. Ranked among the five most popular study destinations globally, Germany is known for its excellent higher education system, comprehensive study programs, and welcoming study environment. With over 400,000 international students from diverse backgrounds, including India, Bangladesh, Nepal, Pakistan, Iran, Iraq, and countries from South America and Africa, Germany offers a vibrant and multicultural experience.

Students often finance their education through scholarships, savings, and part-time jobs, making Germany an ideal destination for pursuing higher education qualifications. With this comprehensive guide on Study in Germany: Affordable Education for International Students you’ll be able to make an informed decision about pursuing higher education in Germany.

Understanding Tuition Fees and Living Costs in Germany

One of the main reasons why Germany attracts international students is its low cost of living and tuition-free education at public universities. Since 2014, the government has abolished tuition fees for public universities, making higher education accessible to students worldwide. This policy has significantly increased international enrollment, with over 400,000 foreign students currently studying in Germany.

In 2017, some German regions reintroduced tuition fees for non-EU students, with a rate of around 1,500 EUR/semester. Despite this, the cost of studying in Germany remains much lower than in other popular study destinations. Administrative fees, known as “semester contributions,” include student union, public transport, and other administrative costs, typically not exceeding 300 EUR/semester.

Private universities charge tuition fees ranging from 25,000 to 40,000 EUR/year, depending on the degree level and study program. However, public universities continue to offer tuition-free, high-quality education, making Germany an affordable option for higher education.

Affordable Private University Tuition Fees in Germany

While public universities in Germany are tuition-free, private universities charge tuition fees that vary depending on the institution and program. MBA and Engineering degrees are typically the most expensive programs at private universities. Annual tuition fees for private universities in Germany range from €1,400 to €30,000. However, many private universities offer reduced fees to students meeting certain criteria, such as financial need. Some private universities only charge administrative fees. Compared to other study destinations, attending private universities in Germany remains relatively affordable. Below is a list of private universities in Germany and their average tuition fees. 

Bard College Berlin – €28,700

CODE University of Applied Sciences – €9,800

EBC Hochschule – €10,000

Friedensau Adventist University – €3,500 (with a range from €1,200 to €4,900)

GISMA Business School – €20,000 (with a range from €3,000 to €33,000)

Hertie School of Governance – €32,500 (it offers only postgraduate courses)

Munich Business School – €24,000

SRH Hochschule Berlin – €10,000

WHU – Otto Beisheim School of Management – €15,000

University of Applied Sciences Europe – €1,400

Managing Living Expenses as an International Student in Germany

While Germany is known for its affordable education system, international students should be aware of living costs when planning to study in the country. This includes accommodation, food, transportation, utilities, and other expenses. However, Germany is generally considered an affordable country to live in, and there are many cost-saving options available to international students.

One way to reduce living costs is by sharing accommodation. Many international students opt to live in shared apartments or student housing to save on rent. Additionally, cooking meals at home instead of eating out can also help students save money on food.

International students who plan to study in Germany are required to show proof of sufficient funds to obtain a student visa. This is typically done through a German-blocked account. As of 2023, international students need to demonstrate that they have around €934 per month, or €11,208 per year, to cover living expenses in Germany.

It’s important to note that living costs may vary depending on the city, type of accommodation, and lifestyle. For example, living in larger cities like Berlin or Munich can be more expensive than living in smaller towns or suburbs. However, with proper budgeting and planning, international students can enjoy their time in Germany without financial stress.

According to a study by Study.EU, the average monthly cost of living for international students in Germany is €850 to €1,100, which includes accommodation, food, and other expenses. The study also found that the cost of living in Germany is significantly lower than in other popular study destinations such as the United States or the United Kingdom.

While living expenses are an important consideration for international students studying in Germany, the country remains an affordable choice for higher education. With proper budgeting and planning, international students can manage their expenses and enjoy their time in Germany without financial stress.

Financing Your German Education: Scholarships and Other Options

Numerous scholarships are available to international students in Germany, funded by government or non-governmental organizations and universities. Eligible students can apply for scholarships to help manage their living expenses in Germany. Some popular scholarships in Germany include:

  • The Deutschlandstipendium
  • DAAD Scholarships
  • Erasmus+
  • Heinrich Boll Foundation Scholarships
  • Humboldt Scholarships
  • Helmholtz Scholarships

In addition to scholarships, international students often finance their studies through savings or parental/guardian income. Part-time work during studies provides extra income and helps cover additional expenses. Non-EU international students can work 120 full days or 240 half days per year and earn up to 450 EUR/month tax-free.

While scholarships are an excellent way to finance your studies in Germany, other options are also available. By utilizing savings, parental/guardian income, or part-time work, students can cover their living expenses while pursuing higher education in Germany.

Additional Costs to Consider While Studying in Germany

As an international student, it’s crucial to be aware of the additional costs associated with studying in Germany. These costs include:

  • Visa and residence permit fees
  • Travel expenses to reach Germany
  • Accommodation expenses, such as short-term stays or rentals
  • German health insurance
  • Study materials, including textbooks, laptops, and other equipment
  • German language courses
  • Daily living expenses, such as shopping, public transport, and leisure activities

When applying for a residence permit, students must demonstrate they have sufficient funds to cover these costs, typically amounting to €11,208 per year. However, students are eligible for discounts at many shops, restaurants, museums, and cinemas, so be sure to take advantage of these opportunities.

In Conclusion

Germany’s excellent higher education system and affordable living make it a top destination for international students. While costs and fees associated with health insurance and semester fees are inevitable, numerous scholarship opportunities and part-time jobs can help ease the financial burden. Despite these expenses, studying in Germany remains an affordable and attractive option for students seeking a high-quality education.

To learn more about studying, working, and living in Germany, follow our content for helpful tips and advice on making the most of your time in this incredible country.

Best ways to transfer money abroad

by

Sending money abroad or to your country is made simple with a plethora of online services competing against each other in speed, cost, and security. While there are many comparisons online, here we list the top 3 that most expats in Germany use.

Before going into detail about each of them, here is a comparison table showing the gist and rated based on experience of our community users and online research.

[wptb id=1957]

Wise: Transfer Money Abroad

Wise is a global technology company that’s building the best way to move money around the world and it is one of the best to transfer money abroad

More than 5 million people and businesses have stopped using banks, PayPal, and traditional providers because Wise is cheaper, faster, and easier. Huge companies and banks use Wise technology too; an entirely new cross-border payment network that will one-day power money without borders for everyone, everywhere. Over five million people use TransferWise, which processes over £4bn in payments every month, saving customers over £1bn a year.

Wise charges a flat 0.5% fee, regardless of the amount. So you would pay around €10 fee for example if you wanted to transfer EUR 2,000 into whichever currency. Wise gives a live guaranteed price.

Pros:

  • Live Guarantee price for 48hrs
  • Instant (Money can be transferred in a few sec if less than €1000 or 24 -48 hrs)
  • Excellent chat or email support
  • Many options to pay: Sofort, Credit Card, Debit Card, Bank Transfer
  • Have various options: Low-cost money transfer, Fast Transfer, Easy Transfer
  • Option to open Bank account
  • Debit card which can be used anywhere as per live exchange rate

Cons:

  • In rare cases, money transfer is delayed in some countries
  • Transferring with credit card is additional charges

Rewire

Rewire is a dedicated financial service and remittance provider from Israel that is designed specifically for working migrants. Rewire was launched in 2015 as an online money transfer and digital banking company designed for customers who wish to remit money home.

Rewire provides free bank account with IBAN and free master debit card which can be used for purchases and withdraw cash

On top of that rewire charges only €0.99 for any amount of international transfer.

Pros:

  • Free IBAN account
  • Free Master Debit Card
  • Only €0.99 fees for international transfer, no matter how much you sent
  • Instant international transfer or max in 1 day
  • 24/7 customer support
  • Better exchange rates than Wise or any other money transfer exchange

Cons:

There are no really cons, but you can’t buy the crypto on crypto exchanges with rewire debit card

Currency Fair:

CurrencyFair is an online peer-to-peer currency exchange marketplace. CurrencyFair is headquartered in Ireland also with employees in the UK, Australia, Greece, Hong Kong, Poland, and Singapore. The company has offices in Newcastle, NSW, Australia, Singapore, and Hong Kong.

It has a unique approach to international money transfers. Instead of exchanging your currency with a bank or a money transfer company, you actually exchange with other CurrencyFair customers to transfer money abroad

Once you transfer in money to your account, we will exchange it at rates up to 8x cheaper than the banks and transfer out to your recipient without delay.

You can securely send money to over 150 countries. Fully licensed and regulated, with a 10-year track record of best-in-class service for quick, low-cost money transfers.

Get 10 free transfers with us. Click signup button below

Transfer fees: Little as 0.1%, to 0.6%, plus a fixed €3 transfer fee.

Skrill:

Skrill is a digital wallet provider enabling a range of online payment and money transfer services. Established in 2001, Skrill is now owned by the Paysafe Group, a large payments group that provides payment services online, in person, and via other channels. Skrill started as an eCommerce payment gateway

You can transfer money abroad through Skrill Money Transfer and fund the payment via credit card, debit card, SOFORT, or bank transfer, depending on where you’re located and the currency you’re using.

You can transfer the money internationally with 0 fees. Sign up now and get €15 credit when you make your first international transfer of €150 euros or more.

Transfer Fees : Free

Pros:

  • The international transfer is free
  • Can use as a digital wallet
  • Skrill card can be used as a debit card and use for payments
  • Good email support
  • Can use a credit card to transfer money internationally without fees

Cons:

  • No Live Guarantee price

Thank you for reading the post. This post contains affiliate links that give us little commission to run our website and provide valuable information for free.

Please let me know if you are using any other best options to transfer money abroad and we would like to add it.

Dining in Germany – Just as fine as Germans do

by
dining in Germany

It is challenging enough to settle into a new lifestyle in a new country and to do so without cultural appropriation might sound next level. The one thing we’d be doing much more frequently after moving to Germany would be dining out with friends, family, colleagues, or even by oneself. Not just because it is easier on some days, but because it is an integral part of the German culture. And to do so might seem a little perplexing without being familiar with the atmosphere. So, here is a brief guide to some key points to familiarise yourself with the meals and manners of dining in Germany.

[rb_related title=”Also interesting” total=”2″]

Frühstück – Breakfast

Breakfast is one of the most crucial meals of the day and very popular among Germans. The breakfast staples mostly include – warm beverages such as coffee, tea, hot cocoa, or a simple glass of juice (Saft). Slices of fresh, crusty, or toasted bread (Brot) or bread rolls (Brötchen) with various spreads and toppings such as Butter & Marmalade. Some might prefer Quark mit Schnittlauch (a type of curd cheese), Wurst (sausage), and Käse (cheese) on top of the bread and boiled egg (Ei). Cereals such as oat flakes or Müsli (Muesli) are also quite popular when mixed with Joghurt (yogurt) or Milch (milk) and topped with fresh fruits.

Zweites Frühstück / Pausenbrot – The mid meal snack

Eating a snack between meals is quite a tradition in Germany and is actually encouraged to prevent overeating at lunch and dinner. Pausenbrot (recess sandwich) and Zweites Frühstück (second breakfast) mostly consist of small sandwiches, fruits, some yogurt, or a müsli bar.

Mittagessen – Lunch

Conventional lunch meals in Germany will always have some accompaniment of potato such as Salzkartoffeln (boiled), Knödel (dumplings), Bratkartoffeln (fried potatoes), Krokette (croquettes), Kartoffelpüree (mashed potatoes) and, of course, Pommes Frites (french fries) in dishes like Kartoffelsalat mit Würstchen or Frikadellen (potato salad with sausage or meatballs), Spätzle mit Geschnetzeltem (Spätzle noodles with stir-fried pork strips), Schnitzel mit Buttergemüse (Schnitzel with buttered vegetables) or Fischstäbchen mit Kartoffelpüree (Fish sticks with mashed potato). Meat is quite popular in Germany and a list of most popular meat dishes can be found here.

Kaffee und Kuchen – Coffee and Cake

This is a late afternoon to evening break of a rich German coffee or tea accompanied with bakery items such as a Mohnstückchen (poppy seed pastry) or Apfeltasche (an apple-filled pastry pocket) or a slice of favorite cakes. You can find the most delectable german delicacies listed here.

Abendbrot – Dinner

Dinner consists of a selection of whole-grain bread, cheeses, deli meats, and sausages, with mustard and pickles. This is accompanied by a salad and/or soup, depending on the season. Mostly a glass of juice (Saft) or water is usually the beverage of choice for young people. For adults, it would be a pint of beer or a glass of wine instead.

Restaurant Dining in Germany

Seating

In contrast to the west, German restaurants generally do not offer a host to seat you until you are going in with a reservation or it is a particularly high-end restaurant. It is completely natural to simply find an unoccupied table and seat yourself.

At bars, cafes, or in crowded restaurants, it is perfectly acceptable to share a table with strangers. You just have to ask, “Ist hier noch frei?” (Is this seat vacant?), and go ahead if they approve.

Ordering

Once you’re seated comfortably, you will need to ask for water, as it is NOT complimentary. On asking, you will be explicitly asked if you want the water “mit oder ohne Kohlensäure” meaning still or sparkling, you can say “stilles wasser” for still water and “Sprudelwasser” for sparkling. The German term for bottled water without fizz is “Wasser ohne Kohlensäure“.

In case you want tap water you will have to specify that you would rather have “Leitungswasser”. Please keep in mind, it is not customary to serve tap water in Germany as asking for tap water is considered impolite.

While ordering your drinks you will also need to ask for ice cubes separately.

But since you’re in Germany, you will observe most people ordering their beers instead of water. A polite and right way to order is somewhat along the lines of – “Ich hätt’ gern einen halben Liter Hefeweizen, bitte” that translates to I’d like a half litre of Hefeweizen, please. It is important to mention the kind of beer and the size you want because beer has its own variety in all parts of Germany – from local to global and what you find in one place might not be available in other places. Most of the time, small beer is about a third of a litre and a large is half a litre.

Dining

If you’re in for a formal lunch/dinner party or eating and drinking in a group, wait until someone says “Guten Appetit” or wants to “anstossen“(say “cheers”). When you do ‘cheers’ around the table, it is essential to look at each person in the eye as you clink glasses as otherwise is deemed rude in European culture. During festive dinners with friends, it is quite common that the host or guest holds a small speech, congratulating or toasting.

You would notice that German restaurants are a great deal quieter in comparison to other countries, no matter, if you’re in casual or fine dining restaurants as loud conversations and noises during the meal, are frowned upon.

You have to be mindful to keep your hands on the table while eating, to do otherwise is considered rude. Crossing your knife and fork on your plate, means you are merely pausing. Laying your knife and fork side by side at the edge of a plate will indicate you are done with your meal, and the waiter may come and take your plate away.

Takeaway of leftovers is not that usual in Germany so your waiter or waitress might be surprised if you ask for it.

Payment and Tipping

With the exception of larger cities, cash is still a popular mode of payment for German restaurants. Credit cards will be accepted in the majority of restaurants and waiters will come to the table with a card machine to swipe your credit card, but it is always recommended to bring cash with you unless you’re aware of their payment services.

Tipping is around 10% of your bill and a general rule for small meals is to round up the bill, say if your bill is 12.50 Euros, you might want to pay 15.00 Euros.

You may find that your waiter/waitress will remain at the table while you pay because you need to make sure to let them know how much tip you want to leave.

These are some general and typical observations about how food is served and eaten in Germany. But of course, there are always fast food joints where you can enjoy most comfort foods like burgers, pizza, and fries from well-known chains such as McDonald’s, Burger King, and Pizza Hut without much ado about traditional approaches.

[newsletter_form]

Join our Telegram group if you have any further questions