Essential information about living in Berlin

 
Once you’ve moved to Berlin, there’s some essential information you’ll need to know if you want to get along with the bureaucrats. We’ve summarised some of the most important tips here.

Church tax

If you put no religion on your Anmeldung form but were baptised in your home country, beware the tax office (Finanzamt) can and does exchange information with other countries, especially Catholic countries. If they found out you were ever a member of the church, they can write to you to ask when you left; if you never left, then you can get a bill up to 4 years backdated. More information on the excellent All About Berlin website. You can leave the church by going to a court in Berlin and requesting a document from them.
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Insurance

Germans love insurance; most have both household and public liability insurance. The first covers the contents of your home from theft; the second covers any loss or damage you might cause to someone else’s property. 

For example, a friend of ours, when she first arrived in Berlin, crashed her bike into the side of a car. She got a bill for 2000€ to fix the car, which the insurance would have paid, if she’d had it. Another example is if you lose your house front door key. Because everyone in the house has the same front door key, the owner might say that you have to pay to replace the lock and give everyone a new key; again, the insurance would pay for this. 

Household insurance (Hausratversicherung) View site »
  • Coverage for the contents of your home (computers, furniture, equipment, etc) against flooding, burglary, natural disaster & more.
  • Policies start at just 2.50€ per month.

Public liability insurance (Haftpflichtversicherung) View site »
  • Inexpensive coverage that protects you in case you injure someone (bodily harm) or damage their property (eg, you break your friend’s computer).
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Public health insurance View site »
  • Coverage for employed persons, university students under 30 years old, or self-employed EU citizens.
  • Provider: Barmer, DAK or TK 
  • Barmer will provide you with a welcome pack, and automatically send your social insurance number as soon as it is available

Private health insurance View site »
  • Health coverage for self employed people, or anyone earning over 65,000€ per year.
  • Provider: Hallesche

Expat health insurance View site »
  • ​Lightweight, flexible coverage that’s meant for those moving to Germany without employment.
  • Pre-existing conditions are not covered, so only choose this if you are healthy
  • Coverage fulfils the health insurance requirement for the visa. Starts at 72€ per month and can be cancelled anytime. 

Dental insurance View site »
  • ​Add on, or supplemental, coverage which works only with public health insurance. 
  • Provides total dental coverage including dental cleanings, composite fillings root canals, surgeries and more. Covers the balance not paid by public health insurance.
  • At 9€ per month, the policy pays for itself as 2 annual dental cleanings are covered fully. The average cleaning cost is around 100€.

Legal insurance View site »
  • Legal coverage and support for lawsuits, traffic violations, complaints with employer, contracts and more
  • Coverage includes free legal advice (in English) which can be accessed anytime
  • From just 17€ per month

Life insurance View site »
  • Coverage for debt, mortgage and other obligations in case of the untimely death.
  • For main, or both income earners, especially with children. 
  • Policies are available from 1.98€ month.

Bicycle insurance View site »
  • Coverage in case of bike theft or damage.
  • Coverage starts from 2.98€ per month.

Job insurance View site »
  • Coverage for financial obligations in case you are not able to work due to illness, accident, burnout or other reasons.
  • Policies are available from 50€ per month.

Finally, many people who rent here are members of the Berliner Mieterverein. This is a type of union, which can advise and help you if you ever have legal questions about your tenancy. You can join when you first need to use them (about 100€ per year), but if you do that, you’ll only have access to advice; they won't pay for a lawyer for you. You have to join in advance if you want access to lawyers and the option of going to court. You will need to go with a German speaker to any meetings.

TV tax

Every household in Germany has to pay the TV tax, even if they don’t have a TV or any intention of getting one. When you registered, your details are shared with the licensing office (GEZ), and you’ll get a letter from them asking you to register. Even if you don’t, you still have to pay. Please look out for the letter.

Useful apps

If you use public transport, you may want to use an app to buy tickets. BVG Tickets is a good app, but slow, and beware that the ticket is not valid for the first 2 minutes after you buy it. This is to stop people only buying the ticket when they see an inspector on the train! To avoid this time restriction, the VBB Bus & Bahn app sells the same tickets, but with a much worse interface!

Money transfers

Once you get your new bank account, it’s not ideal to make international transfers directly into it, as it’s expensive and many will not accept non-€ payments. For this, you can use an intermediary such as Wise or Revolut, which has lower fees and will likely be faster.

Paperwork and bureaucracy

Germans are only very slowly taking on the idea of paperless bureaucracy, and you’ll receive more letters than you may have done back home. Don’t throw anything away, because you might need it later – and sometimes only the original is accepted! 

In particular, any barcodes which the bank sends you to set up online banking or their mobile app are not single use. You’ll be asked to scan the code again if you get a new device, so make sure you keep that one safe.

Please note that links provided should not be taken as recommendations, because only authorised brokers can provide recommendations; we have had good service from these companies before, but of course other companies and providers are available.