Overview
- The government’s 2025 pension insurance report models an adjustment of about 3.73% from 1 July 2026, reflecting a rise in the current pension value from €40.79 to roughly €42.31 per point.
- The widely cited “up to €93” gain stems from applying 3.73% to a €2,500 gross pension, while the average gross total pension of about €1,266 implies a far smaller increase and net gains may be reduced by health, long-term care contributions and taxes.
- Payment timing varies by cohort: those receiving pensions vorschüssig (retired before 1 April 2004) typically see the higher amount at the end of June, whereas nachschüssig payments (from 1 April 2004) reflect the increase at the end of July.
- From January 2026, Deutsche Post’s cash payout via “Zahlungsanweisung zur Verrechnung” has been discontinued, so statutory pensions and Bürgergeld are paid only by bank transfer and recipients who lack an account must use a giro or basic account.
- Bürgergeld continues to be paid monthly in advance with funds usually credited on the last bank working day of the prior month or the first working day of the benefit month, with 2026 transfer dates already scheduled nationwide.