OFW Guide to Living and Working in Germany

Germany is a popular destination for OFWs. It’s clearly one of the best countries in the world in terms of having a vibrant economy. There are lots of job opportunities and the pay is much higher than one would get working in the Philippines for all professions. The list is endless when it  comes to all perks associated with working in Germany.

Before deciding on working in Germany as an OFW, you need to know the details. For example, you need to know the visa requirements, cost of living, healthcare, accommodation, and tips for sending money back home. More of these in the next paragraphs.

OFW Guide to Living and Working in Germany

Moving to Germany as an OFW

As mentioned above, there’s a myriad of reasons why Germany is a great destination for OFWs. Here’s a list of some of them:

  • It has a stable economy and currency
  • It is renowned for cutting-edge technology industries
  • It has progressive social policies
  • It is a market driven economy with strong social safety nets
  • It has a high demand for skilled workers in the field of engineering, IT, healthcare and hospitality
  • It has a high quality of life and emphasizes work-life balance
  • It has accessible health care
  • It has supportive immigration policies for skilled workers

Key Facts About Germany

  • Capital: Berlin
  • Population: Approx. 83 million
  • Official Language: German (English is widely spoken)
  • Currency: Euro (€)
  • Climate: Varies by region, with warm summers (22-25°C) and cold winters (-1 to 3°C)

Visa Requirements for Filipino Workers

Filipino passport holders planning to work in Germany need to secure a long-term work visa. Here’s what you need to apply:

  1. Employment Contract: A signed contract from your employer in Germany.
  2. Standard Documents: Completed visa application form, passport, and photographs.
  3. Health Insurance: Proof of German health insurance or travel health insurance valid until the start of your employment.
  4. Proof of Employment: Employment contract showing job details and salary.
  5. Residence Permit: While the work visa allows you to enter Germany, you’ll need to apply for a residence permit upon arrival. The initial visa is valid for one year and can be extended based on your employment contract.

It’s advisable to start the visa application process early, as processing times vary.

Cost of Living in Germany

Germany’s cost of living is generally higher than that in the Philippines. Living expenses vary depending on location, with major cities such as Berlin, Munich, and Frankfurt being more expensive.

Housing

  • City Center: One-bedroom apartment – approx. €878; three-bedroom – approx. €1,599
  • Outside City Center: One-bedroom apartment – approx. €630; three-bedroom – approx. €1,197

Utilities and Essentials

  • Basic Utilities: €240 (electricity, heating, cooling, water)
  • Internet: €34 per month
  • Transportation: Local ticket – €2.80; Monthly pass – €70
  • Groceries: Prices vary; e.g., rice (1kg) – €1.95, milk (1L) – €0.93

Filipinos living in Germany generally recommend budgeting carefully, especially for housing, which is often the largest monthly expense.

Setting Up a Bank Account in Germany

Opening a local bank account can be very helpful for managing finances in Germany. Types of accounts include:

  1. Current Account (Girokonto): For daily transactions, including salary deposits.
  2. Savings Account (Sparkonto): Offers higher interest for saving funds.
  3. Non-resident Account: Useful if you don’t yet have a permanent address.
  4. Digital or Mobile Bank Account: Convenient for those who prefer online-only banking.

Finding Accommodation in Germany

Finding housing in Germany, especially in major cities, can be challenging. Rentals are common, as home ownership rates are low.

  • Use an Agent: Hiring an immobilienmakler (real estate agent) can be helpful if you don’t speak German.
  • Understand Key Terms: Useful terms include mieten (rent), WG (house share), altbau (older building), and neubau (new building).
  • Required Documents: You’ll need a verdienstbescheinigung (proof of income) and potentially a credit report (SCHUFA).

Healthcare in Germany

Germany’s healthcare system is highly rated and available to all residents. Health insurance is mandatory, and you can choose between public and private options:

  1. Public Health Insurance (GKV): Most residents are covered by public health insurance if they earn less than €59,400 annually. This is generally more affordable.
  2. Private Health Insurance (PKV): Available for those earning over €59,400, self-employed individuals, and students. Premiums vary depending on the level of coverage.

Sending Money to the Philippines

Sending money back home from Germany can be done through several channels. Though bank transfers are an option, they often incur high fees. OFWs in Germany may find these alternatives more cost-effective:

  • Kabayan Remit: Offers low transfer fees and competitive exchange rates.
  • Western Union and MoneyGram: Reliable options but may have higher fees.
  • Online Money Transfer Services: Digital platforms like TransferWise and Remitly are convenient and usually offer lower fees and better rates than traditional banks.

Types of Jobs Available to OFWs in Germany

Germany offers many employment opportunities across different fields. Common industries for OFWs include:

  1. Healthcare and Nursing: Demand for healthcare workers is high, with opportunities in hospitals, clinics, and elderly care.
  2. Hospitality and Tourism: Many OFWs find work in hotels, restaurants, and tourism-related roles.
  3. Manufacturing and Production: Jobs in automotive and electronics manufacturing are widely available.
  4. Customer Service and Support: Call centers and customer service roles are also popular among OFWs.
  5. Construction and Skilled Trades: Skilled workers in plumbing, carpentry, and electrical fields are in demand.

Choosing the Right Recruitment Agency

Many OFWs find jobs in Germany through recruitment agencies. Here’s how to select a reliable agency:

  1. Verify Accreditation: Make sure the agency is recognized by the Philippine Overseas Employment Administration (POEA).
  2. Check Reviews: Look for positive testimonials from other OFWs.
  3. Transparency: Confirm that fees are clearly explained upfront.
  4. Comprehensive Services: Good agencies offer support beyond placement, including visa processing and pre-departure orientation.

This article highlights the many reasons why Germany is a great place to work for OFWs. Once you’re there, though, you will have to make major adjustments in dealing with a new culture, learning a new language. But Filipinos are resilient and adaptive, and in no time, you can be well-prepared for life in Germany and have a fruitful and worthwhile life there.

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