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Emigrating to Austria as a Retiree: Your Carefree New Beginning!
Dreaming of a relaxed retirement in the Austrian Alps? Austria offers a high quality of life and cultural closeness. However, before you pack your bags, you should gather comprehensive information. Learn more about our consulting services here and make your dream of emigrating come true!
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Dreaming of a relaxed retirement in the Austrian Alps? Austria offers a high quality of life and cultural closeness. However, before you pack your bags, you should gather comprehensive information. Learn more about our consulting services here and make your dream of emigrating come true!
Dreaming of a relaxed retirement in the Austrian Alps? Austria offers a high quality of life and cultural closeness. However, before you pack your bags, you should gather comprehensive information. Learn more about our consulting services here and make your dream of emigrating come true!
Dreaming of a relaxed retirement in the Austrian Alps? Austria offers a high quality of life and cultural closeness. However, before you pack your bags, you should gather comprehensive information. Learn more about our consulting services here and make your dream of emigrating come true!
Planning your retirement in Austria? Learn how to make your move stress-free and take advantage of the benefits. Get informed now!
Austria is very popular among German retirees. This is due to the high quality of life, the cultural proximity, and the well-developed infrastructure. Many also appreciate the potentially lower housing costs, although these can vary by region. We at GoMovin understand that moving to a new country raises many questions. Therefore, we would like to provide you with a comprehensive overview of all the important aspects you should consider when planning your retirement in Austria with this article.
In 2023, around 28,000 pensions were paid to German seniors residing in Austria. This number highlights the attractiveness of the country for retirees. But what makes Austria so special? In addition to the aforementioned factors, the scenic beauty and diverse leisure opportunities also play an important role. Whether hiking in the Alps, skiing in winter, or enjoying culture in the cities – Austria has something to offer for every taste.
This article covers all essential aspects relevant to retirees wishing to emigrate to Austria. We provide information on the legal framework, tax specificities, health insurance, living costs, and integration opportunities. Our goal is to enable you to have a worry-free new start in your new home. Learn more about our relocation assistance, which makes the transition easier for you.
Freedom of movement simplifies relocation for EU citizens
As an EU citizen, you enjoy freedom of movement in Austria, which significantly simplifies relocating. To enter, you only need a valid ID card or passport. If you wish to stay in Austria for more than three months, a registration certificate is required, which you must apply for within four months of your arrival. This certificate serves as proof of your right to reside and is important for various administrative purposes.
Different regulations apply to non-EU citizens. Generally, a visa is required, with specific requirements depending on your nationality and the purpose of your stay. For retirees, a "residence title – excluding gainful employment" is usually applicable. It is advisable to inform yourself in advance about the respective regulations and gather the necessary documents early. Detailed information can be found on the Federal Administrative Office website.
Regardless of your nationality, you must register with the registration authority within three days of moving into your accommodation. For this, you need a registration form, your ID, and proof of accommodation. Complying with this registration requirement is important to legalise your stay in Austria and gain access to various services. We at GoMovin are happy to assist you with these administrative tasks, saving you time and effort.
Double taxation agreement protects against double tax burden
The Double Taxation Agreement (DBA) between Germany and Austria prevents your income from being taxed in both countries. Generally, German pensions are usually taxed in Germany, while additional Austrian income is taxed in Austria. However, it is important to be aware of the details of the DBA to optimise your tax situation. You can find information on pensions abroad and taxation here.
The taxation of your pension depends on the type of pension. State pensions are generally taxable in Germany. Company and private pension benefits, on the other hand, are taxed in Austria. For early retirement benefits, it depends on the form of payment: Regular payments are taxed in Austria, while lump sum payments may be taxable in Germany. An exception applies to "earned" capitalized early retirement funds that are paid out within one year of retirement age; these are taxed in Austria.
Civil servant pensions and retirement benefits from the public sector are generally taxed in Germany. However, moving to Austria may result in the loss of the basic personal allowance in Germany, which can lead to higher taxation. In certain circumstances, you may be able to apply for unlimited tax liability if more than 90% of your income comes from Germany. Due to the complexity of tax law, we recommend seeking individual advice from a German tax advisor or lawyer. We are happy to assist you in finding a competent expert.
Health insurance: German policy can still apply
There are also several aspects to consider in the field of health insurance if you emigrate to Austria as a pensioner. Under certain conditions, your German health insurance can continue to be valid in Austria. This is possible, for example, if you only receive a German pension and are not subject to Austrian health insurance due to employment. In this case, you will need the Portable Document S1 to access medical care in Austria. More information can be found on the Deutsche Rentenversicherung page.
In principle, there is a compulsory insurance requirement in Austria. This is generally covered by your pension contributions. The responsible party is the respective regional health insurance fund (GKK) of the federal state where you reside. It is advisable to take out a private supplementary insurance to cover services beyond the standard provision, such as repatriation in the event of illness. Having the right insurance is crucial for a carefree retirement.
With the European Health Insurance Card (EHIC), you are entitled to emergency treatment through your German health insurance. However, it is important to know that the EHIC does not cover all costs, and supplementary insurance may be beneficial. We at GoMovin are happy to advise you on choosing the appropriate health insurance to meet your individual needs.
The cost of living varies greatly depending on the region
The cost of living in Austria can vary greatly depending on which region you wish to live in. In cities like Vienna and Salzburg, the cost of living is generally higher than in rural areas. Therefore, it is worthwhile to compare the various regions and choose the one that suits you best. Comparing the cost of living between Germany and Austria is also advisable. According to t-online.de, consumer prices in Austria are higher than in Germany.
Rental prices also vary by region. In Vienna, you should expect to pay an average of 800-1200 EUR for a two-bedroom apartment, whereas rental prices in smaller cities can be around 600-900 EUR. The property prices remain stable, especially in popular regions like the Salzkammergut. It is important to know that in Austria, indefinite rental contracts with strong tenant protection are common. This provides you, as a tenant, with high security.
When choosing your place to live, you should also consider the availability of senior-friendly housing options. Many communities offer special apartments or shared accommodations for seniors. We at GoMovin are happy to support you in finding suitable accommodation that meets your needs and budget. You should also take note of the regional cost differences.
Language courses facilitate integration in Austria
Integrating into Austrian society will be easier for you if you master the language. Even if you speak German, it can be helpful to attend a language course to familiarise yourself with the Austrian dialect. Many adult education centres and other educational institutions offer special courses for seniors. We at GoMovin are happy to connect you with suitable language schools.
Besides the language, social integration is also important for your well-being. Participate in local events, join clubs, or get involved in cultural activities. This way, you quickly make new contacts and feel comfortable in your new home. Many communities offer special senior services, such as discounts on public transport or group excursions.
Austria offers numerous leisure opportunities. Whether hiking in the mountains, skiing in winter, or attending cultural events – there's something for everyone. Take the opportunity to explore your new home and discover the diversity of Austria. We at GoMovin are happy to assist you in planning your leisure activities and offer tips for excursions and sights.
High quality of life outweighs potential drawbacks
Moving to Austria as a retiree offers many advantages, but also some disadvantages that you should consider when making your decision. Among the advantages are the high quality of life, cultural proximity, well-developed infrastructure and excellent medical care. The picturesque landscapes and diverse recreational opportunities are also plus points. On the other hand, there are also disadvantages, such as higher living costs (depending on the region), potential tax disadvantages, and the language barrier (dialect). It is important to carefully weigh these pros and cons to make the right decision.
Another aspect you should consider is the distance from your family and friends in Germany. Regular visits, however, can help maintain the connection. The different mentalities can also pose a challenge. It is important to be open and tolerant and to embrace Austrian culture. We at GoMovin are happy to support you in adjusting to your new life in Austria.
Despite potential challenges, the benefits of moving to Austria as a retiree usually outweigh them. The high quality of life and diverse leisure activities make Austria an attractive destination for retirement. With careful planning and preparation, nothing stands in the way of a worry-free new beginning. Let us assist you in planning your move and benefit from our experience.
Checklist for a smooth move to Austria
To make your move to Austria as smooth as possible, we've put together a checklist for you:
Before Emigrating
Here are the necessary steps you should complete before your move:
Update address and bank details with the Deutsche Post pension service (two months before moving).
Clarify health insurance and apply for Portable Document S1 if necessary.
Seek tax advice to address your individual situation.
Prepare registration with the Austrian authorities (registration certificate, visa, etc.).
After Arrival
Upon your arrival in Austria, you should take the following steps:
Register with the registration office within three days.
Register with the competent regional health insurance fund (if necessary).
Build social contacts and integrate into your new environment.
We at GoMovin are happy to assist you in implementing this checklist and are here to support you with advice and action. Contact us for personal consultation and a non-binding offer. Other German-speaking countries might also be of interest to you.
Careful planning paves the way for a fulfilling retirement
Emigrating to Austria as a retiree can be an attractive option but requires careful planning and preparation. It is important to fully understand the legal, tax, and financial aspects and to consider individual needs and desires. With the right preparation and support, there is nothing to stop you from having a fulfilling retirement in Austria.
At GoMovin, we are your competent partner and support you in all steps of your move. From planning through to execution, we take care of all the details so you can relax. Our aim is to enable you to make a stress-free fresh start in your new home. Taking a look at the topic of emigrating for Germans can also be helpful.
Take the opportunity to realize your dream of retiring in Austria. Contact us today for a non-binding consultation and let us plan your move together. We look forward to accompanying you on your journey! Contact us now to learn more about our services and to make your move stress-free.
Further useful links
The Bundesverwaltungsamt provides detailed information on the regulations for non-EU citizens wishing to emigrate to Austria.
The Deutschen Rentenversicherung provides information about the validity of German health insurance in Austria and the Portable Document S1.
FAQ
Can I, as a German retiree, easily emigrate to Austria?
Yes, as an EU citizen, you enjoy freedom of movement and only need a valid identity card or passport to enter. For a permanent stay, a registration certificate is required.
How does the double taxation agreement affect my pension?
The double taxation agreement (DBA) between Germany and Austria prevents double taxation. Generally, German pensions are taxed in Germany, while Austrian income is taxed in Austria. However, there are exceptions, especially concerning occupational and private pension schemes.
Will I remain health insured in Austria?
Under certain conditions, your German health insurance can remain valid in Austria. You will then need the Portable Document S1. In general, there is a compulsory insurance in Austria, usually covered by pension contributions.
What living costs should I expect in Austria?
Living costs vary depending on the region. Vienna and Salzburg tend to be more expensive than rural areas. Rental prices for a two-room apartment in Vienna average at 800-1200 EUR, in smaller towns at 600-900 EUR.
Do I need to register with the Austrian authorities?
Yes, you must register with the registration authority within three days of moving into your accommodation. For a stay of more than three months, a registration certificate is required.
What language skills do I need in Austria?
Even if you speak German, it can be helpful to attend a language course to become familiar with the Austrian dialect. This facilitates integration.
Where can I find information on the specific regulations for retirees?
Detailed information can be found on the website of the Federal Office of Administration or the German Pension Insurance. Individual advice from a tax advisor is recommended.
How can GoMovin assist me in my move to Austria?
GoMovin supports you in all steps of your move, from planning to execution. We take care of all the details so that you can relax. We also offer assistance with official matters and finding the right accommodation.
