{"id":717,"date":"2020-08-10T14:09:53","date_gmt":"2020-08-10T13:09:53","guid":{"rendered":"https:\/\/kabayanremit.com\/blog\/?p=717"},"modified":"2022-06-28T09:55:57","modified_gmt":"2022-06-28T08:55:57","slug":"moving-to-germany-filipinos-guide","status":"publish","type":"post","link":"https:\/\/kabayanremit.com\/blog\/lifestyle\/moving-to-germany-filipinos-guide\/","title":{"rendered":"Moving to Germany: A guide for Filipinos"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597054754484\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Moving to Germany: A Guide for Filipinos<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1596798880275\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Do you ever consider moving overseas? Did you know that Germany is becoming a top-rated destination amongst migrants? The country now ranks 4th worldwide in the\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.internations.org\/expat-insider\/2019\/working-abroad-index-39833#:~:text=Vietnam%2C%20Czechia%2C%20and%20Luxembourg%20are,time%20in%20the%20top%2010.\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">2019 Working Abroad Index<\/span><\/a><span data-preserver-spaces=\"true\">. The overall ranking was based on the participants&#8217; rating on career prospects &amp; satisfaction, work &amp; leisure, as well as economy &amp; job security. <\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1596798888291\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Germany offers a wealth of opportunities to expatriates, so Filipinos looking to migrate abroad may want to consider this beautiful vibrant country. To help you understand what it would entail moving to Germany, we&#8217;ve listed down a couple of things to consider, including the following:<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1596798914921\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li><span data-preserver-spaces=\"true\">Information about Germany<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">German visa requirements for Philippine passport holders<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Cost of living in Germany<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Opening a German bank account<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Finding a place to live in Germany<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">German healthcare requirements<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Send money to the Philippines from Germany<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >About Germany<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1597068266301\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany6.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"moving to germany\" title=\"moving to germany\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany6.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany6-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany6-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany6-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany6-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1596798975525\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Germany, also known as Deutschland, is a country in central Europe and a member of the European Union. It is ideally located in Europe as it shares borders with nine other countries. Germany is also the 7th largest country in Europe and is the most densely populated on the continent. With the country&#8217;s continuous\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.tatsachen-ueber-deutschland.de\/en\/germany-glance\/strong-hub\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">growth and development<\/span><\/a><span data-preserver-spaces=\"true\">, Germany is now the largest economy in the European Union (EU) and the fourth-largest in the world. Here is additional information about Germany that might be useful for you to know:<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1596799123117\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong><span data-preserver-spaces=\"true\">Official Name:\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">Federal Republic of Germany<br \/>\n<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Capital:\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">Berlin<br \/>\n<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Population:\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">83,793,738 (<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.worldometers.info\/world-population\/germany-population\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">Worldometer, 2020<\/span><\/a><span data-preserver-spaces=\"true\">)<br \/>\n<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Immigrant Population:\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">1,585,112 (<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.statista.com\/statistics\/894223\/immigrant-numbers-germany\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">Statista, 2018<\/span><\/a><span data-preserver-spaces=\"true\">)<br \/>\n<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Language: <\/span><\/strong><span data-preserver-spaces=\"true\">The official language in Germany is German, but there are a variety of other dialects used in different regions. 50% of Germans also speak English as their second language.<br \/>\n<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Weather:\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">The weather in Germany varies depending on location in the country. Generally, Germany experiences warm summers (around 22\u00b0C to 25\u00b0C) and relatively cold winters (from -1\u00b0C to 3\u00b0C).<br \/>\n<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Employment:\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">Germany is known for big brands, such as BMW, Volkswagen, Adidas, Daimler, and the like. However, it&#8217;s worth understanding that a massive percentage of the German economy attributes to small to medium-sized businesses (SMEs). When looking for opportunities to work in Germany, consider all options and find out whether working for smaller start-up firms or more prominent well-known companies is more suitable for you.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >German Visa Requirements for Philippine Passport Holders<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1597068322906\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany4.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"germany visa Filipino\" title=\"germany visa\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany4.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany4-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany4-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany4-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany4-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597054506794\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Philippine passport holders who are moving to Germany and stay in the country long-term would need to secure a long-term German visa. To be able to apply for a Germany Work visa, you need to obtain a job offer or employment contract first. Once secured, you will then need to submit the required documents for the visa application.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1596799422607\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">The documents required for your work visa to Germany application include the following:<\/span><\/p>\n<ul>\n<li><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.schengenvisainfo.com\/philippines\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">Standard German visa application documents<\/span><\/a><\/li>\n<li><span data-preserver-spaces=\"true\">Signed contract from your future employer<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Certificate of compulsory health insurance (Gesetzliche Krankenversicherung) from the German employer valid from date of employment. If not included in the compulsory health insurance, a separate travel health insurance will need to be presented, which will cover the time of arrival in Germany until the start of employment.<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1596799214111\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>The Germany work visa is usually valid for one year. However, the validity of your residence permit may depend on the duration of your employment contract, which can be extended later on.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Cost of Living in Germany<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1597068414628\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany2.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"moving to germany transportation\" title=\"moving to germany transportation\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany2.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany2-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany2-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany2-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany2-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597052422552\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Compared to the Philippines, the cost of living in Germany is very high. On average, it is even 1.45% higher than that of the UK. Since the country is part of the Eurozone, it uses the Euro (\u20ac) currency. To give you an idea of how much it would cost to live in Germany, here is an overview of prices listed by\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.numbeo.com\/cost-of-living\/country_result.jsp?country=Germany\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">Numbeo<\/span><\/a><span data-preserver-spaces=\"true\">:<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1656406457218\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong><span data-preserver-spaces=\"true\">Monthly Rent<\/span><\/strong><\/p>\n<p><em>Within the City Centre:<br \/>\n<\/em>One bedroom: \u20ac878.06<br \/>\n<span data-preserver-spaces=\"true\">Three bedrooms: \u20ac1,599.30<\/span><\/p>\n<p><em>Outside the City Centre:<br \/>\n<\/em><span data-preserver-spaces=\"true\">One bedroom: \u20ac629.64<br \/>\n<\/span><span data-preserver-spaces=\"true\">Three bedrooms: \u20ac1,197.27<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1656406478056\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong><span data-preserver-spaces=\"true\">Monthly Bills<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Basic Utilities (Electricity, Water, etc.): \u20ac239.91<br \/>\n<\/span>Internet: \u20ac34.29<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1656406497372\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong><span data-preserver-spaces=\"true\">Transportation<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">One-way Ticket (Local Transport): \u20ac2.80<br \/>\n<\/span>Monthly Pass: \u20ac70.00<br \/>\n<span data-preserver-spaces=\"true\">Gasoline (1 litre): \u20ac2.20<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1656406556128\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong><span data-preserver-spaces=\"true\">Groceries<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Rice (1kg): \u20ac1.95<br \/>\n<\/span>Water (1.5 litres): \u20ac0.54<br \/>\nLoaf of Bread (500g): \u20ac1.65<br \/>\n<span data-preserver-spaces=\"true\">Chicken (1kg): \u20ac7.28<br \/>\n<\/span><span data-preserver-spaces=\"true\">Beef (1kg): \u20ac13.97<br \/>\n<\/span><span data-preserver-spaces=\"true\">Eggs (1 dozen): \u20ac2.46<br \/>\n<\/span><span data-preserver-spaces=\"true\">Milk (1 litre): \u20ac0.93<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Opening a Bank Account in Germany<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1597068387792\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany7.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"opening bank account Germany\" title=\"opening bank account Germany\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany7.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany7-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany7-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany7-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany7-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597054535635\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Once the process of moving to Germany started, it would be helpful to open a German bank account. Although you can use an international bank account for transactions, it can incur hefty costs due to the exchange rate and additional bank charges. If you decide to open a German bank account, you can either opt for a traditional or non-traditional bank. The <\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.bundesbank.de\/en\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">Deutsche Bundesbank<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0is the country&#8217;s national bank, but there are several different banks to choose from.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597053672670\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">There are also different types of German bank account, which include the following:<\/span><\/p>\n<ol>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Current Account or\u00a0<\/span><em><span data-preserver-spaces=\"true\">Girokonto\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">&#8211; This is the standard bank account typically used to receive salary or pay bills.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Savings Account or\u00a0<\/span><em><span data-preserver-spaces=\"true\">Sparkonto &#8211;\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">This type of account is usually used for savings and investments as it has a higher interest rate. However, it requires a minimum deposit, and the money has to stay in the account for a fixed period.\u00a0<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Non-resident Account &#8211; Since current accounts are usually only available to German residents, you can open a non-resident account if you don&#8217;t have a permanent address in the country yet.\u00a0<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Digital or Mobile Account &#8211; This the less traditional type of bank and is only a digital account.\u00a0<\/span><\/li>\n<\/ol>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597053730029\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">To open a German bank account, you would need to provide the following documents:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Completed application form<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Valid passport with German visa or residence permit<\/span><\/li>\n<li><em><span data-preserver-spaces=\"true\">Meldebescheinigung<\/span><\/em><span data-preserver-spaces=\"true\">\u00a0or proof of address<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Initial deposit (the minimum amount varies depending on the bank)<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Proof of employment or studies<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Proof of income, such as payslips or a letter of recommendation from your employer<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">SCHUFA credit rating (optional depending on the bank)<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597053748612\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">For more information, click\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.germany-visa.org\/blog\/how-to-open-a-bank-account-in-germany\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">here<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Finding a Place to Live in Germany<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1597068426527\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany3.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"accommodation Germany\" title=\"accommodation Germany\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany3.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany3-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany3-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany3-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany3-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597053895233\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">One of the first things to consider when migrating to a new country is finding a place to live. It is worth knowing that Germany has a low homeownership rate. As of 2018, only\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/tradingeconomics.com\/germany\/home-ownership-rate#:~:text=Home%20Ownership%20Rate%20in%20Germany%20averaged%2052.48%20percent%20from%202005,of%2051.40%20percent%20in%202017.\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">51.50%<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0of Germans own a property, which is relatively low compared to other developed countries. Houses and apartments are also quite expensive in Germany, so it is advisable to rent instead.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597053928448\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">When moving to Germany, it is also helpful to have a basic understanding of some relevant German terminologies. It can be quite challenging if you don&#8217;t speak any German, so it would be better to find an\u00a0<\/span><em><span data-preserver-spaces=\"true\">immobilienmakler\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">(real estate agent) who speaks English and can translate for you. Some words you might come across when house-hunting include\u00a0<\/span><em><span data-preserver-spaces=\"true\">mieten<\/span><\/em><span data-preserver-spaces=\"true\">\u00a0(rent), WG or w<\/span><em><span data-preserver-spaces=\"true\">ohngemeinschaft\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">(house share), AB or\u00a0<\/span><em><span data-preserver-spaces=\"true\">altbau<\/span><\/em><span data-preserver-spaces=\"true\">\u00a0(older building), NB or\u00a0<\/span><em><span data-preserver-spaces=\"true\">neubau<\/span><\/em><span data-preserver-spaces=\"true\">\u00a0(new building), and many more. Click\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.expatica.com\/de\/housing\/housing-basics\/german-housing-terms-100956\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">here<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0to learn some common house-hunting German terms.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597053942468\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Once you find accommodation, you will need to provide a\u00a0<\/span><em><span data-preserver-spaces=\"true\">verdienstbescheinigung,\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">which is a document that will prove your source of funds (eg. Income statement provided by your employer or a record from the tax office if you&#8217;re self-employed).<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >German Healthcare Requirements<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1597068448076\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany5.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"healthcare germany\" title=\"healthcare germany\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany5.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany5-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany5-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany5-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany5-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597053999216\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Once you&#8217;ve settled in Germany, the next step is to get your health care sorted. The German healthcare system is one of the best in the world as the country spends about\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/ec.europa.eu\/eurostat\/web\/products-eurostat-news\/-\/DDN-20181129-2\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">11.1%<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0of the country&#8217;s annual GDP on health care. The country has a multi-payer health care system, so health insurance is compulsory for all residents. It is thus required by law for residents to obtain a health insurance policy\u00a0<\/span><em><span data-preserver-spaces=\"true\">(krankenkasse)\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">that offers the minimum mandatory coverage.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597054079305\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Before applying for health insurance, understand the three different types offered in the country.\u00a0<\/span><\/p>\n<ol>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">The public health insurance (<\/span><em><span data-preserver-spaces=\"true\">Gesetzliche Krankenversicherung or GKV)\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">covers the majority of residents in Germany. As of 2018, if your gross salary per annum is less than \u20ac59,400 (\u20ac4,950 per month), you must be insured under a public statutory health insurance scheme.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">If you are a student, self-employed or earn more than \u20ac59,400 annually, you can also opt for a private German or international health insurance provider (<\/span><em><span data-preserver-spaces=\"true\">Private Krankenversicherung, PKV<\/span><\/em><span data-preserver-spaces=\"true\">). However, you will not be obliged to choose this option. You can still opt for public health insurance.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">If you want further coverage for your public health insurance, you may also choose to supplement it with private insurance.<\/span><\/li>\n<\/ol>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597054098885\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">If you&#8217;re moving to Germany for work, make sure to speak to your employer about the health insurance application process. The cost (14.6% of gross income) is usually split equally between you and your employer, so you would only need to pay 7.3%. You can either choose to go with your employer&#8217;s suggested health insurance provider or find a different one that is more suitable for you. Click\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.gkv-spitzenverband.de\/krankenkassenliste.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">here<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0for the complete list of German health insurance companies.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element \" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">For more information on Germany&#8217;s health care system, click\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.gkv-spitzenverband.de\/startseite\/startseite.jsp\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">here<\/span><\/a><span data-preserver-spaces=\"true\">.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Sending Money to the Philippines from Germany<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1597068484979\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany8.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"send money to the Philippines\" title=\"send money to the Philippines\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany8.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany8-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany8-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany8-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2020\/08\/germany8-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597054145547\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Once settled down in Germany, you may want to send money to your family in the Philippines from time to time. Though it&#8217;s tempting to send funds by international bank transfer, you will lose significant amounts of money due to their high transfer cost and low exchange rates.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597054157998\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">We understand what our fellow\u00a0<\/span><em><span data-preserver-spaces=\"true\">kababayan<\/span><\/em><span data-preserver-spaces=\"true\">\u00a0abroad go through when sending money back home, so we&#8217;ve made the remittance process much more straightforward. You can send money from Germany to the Philippines online with low transfer fees and higher exchange rates through Kabayan Remit.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1632389233516\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">All you need to do is download our mobile app (<\/span><a href=\"https:\/\/apps.apple.com\/us\/app\/kabayan-remit-money-transfer\/id1576197878\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">iOS<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0or\u00a0<\/span><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.kabayanremit.mobileapp\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Android<\/span><\/a><span data-preserver-spaces=\"true\">) and register. Once registered and verified, you can send money to the Philippines quickly and safely.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1597068580647\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">For more information on Kabayan Remit, visit our website at\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/kabayanremit.com\/\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">kabayanremit.com<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Looking for a great country to work as a migrant? According to the 2019 Working Abroad Index, Germany is the 4th best country to work for in terms of economy, job prospects, security &#038; satisfaction, as well as work &#038; leisure.<\/p>\n","protected":false},"author":3,"featured_media":751,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,7],"tags":[21],"class_list":["post-717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-travel","tag-moving-to-germany"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Moving to Germany - A Guide for Filipinos | Kabayan Remit<\/title>\n<meta name=\"description\" content=\"To help our fellow Filipinos, who are planning on moving to Germany, we&#039;ve laid out a few things to consider before making this step.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kabayanremit.com\/blog\/lifestyle\/moving-to-germany-filipinos-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moving to Germany - 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