MOVING TO GERMANY
WITH PODMONEY

Podmoney is a digital platform for international
students and professionals moving to Germany.

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How we can help

Podmoney simplifies relocation to Germany by offering blocked and current accounts, health and travel insurance, soon mobile contracts, all on one platform. This all-in-one digital solution saves time, reduces bureaucracy, and ensures a smooth start.

insurance

In Germany, insurance plays a central role in minimizing risks in everyday life. In addition to compulsory health and motor vehicle liability insurance, there are voluntary insurance policies such as private liability and accident insurance. The latter offer additional protection, particularly in the event of accidents during leisure time. Pension provision is also an important aspect, and private pension insurance is subsidized by the state.

HEALTH INSURANCE

Health insurance is mandatory in Germany and a prerequisite for enrollment at a university. It ensures access to the German healthcare system and comprehensive medical care.

TRAVEL INSURANCE

Traveling to a new country is exciting, but it also comes with uncertainties. Travel insurance ensures that you are prepared for any unexpected situations, from lost luggage to medical emergencies, during your journey.

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BANKING

A current account is essential for many everyday activities such as receiving a salary and paying rent. Banks offer different account models and it is worth comparing the fees. Transfers within Germany and abroad are easy to carry out, whether via SWIFT, transfer services or bank checks.

BLOCKED + CURRENT ACCOUNT

A current account is essential for daily life in Germany. Whether for rent payments, shopping, or salary deposits, a current account is the cornerstone of your financial management.

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faq

You will need a valid passport, an approved student visa, and proof of financial resources (usually via a blocked account).

Additional documents may include health insurance confirmation, a letter of admission from your university, and academic certificates translated into German or English.

It’s also advisable to carry multiple passport-sized photos for official registrations.

Use trusted platforms like WG-Gesucht, ImmoScout24, or your university’s housing office to find shared flats or dormitories.

Begin your search early, as housing in cities like Berlin and Munich can be competitive.

Avoid paying upfront deposits before viewing the accommodation to steer clear of scams.

After moving, you must register your address at the local Bürgeramt within two weeks. Bring your passport, tenancy agreement, and a completed registration form.

This process is crucial, as you’ll need the registration certificate (Meldebescheinigung) for opening a bank account and applying for a residence permit.

Leipzig and Dresden are known for their lower living costs, offering affordable housing and public transport. These cities are ideal for students on a budget.

Larger cities like Berlin have higher costs but provide more opportunities for part-time work and cultural experiences.

Munich is excellent for engineering, business, and technology students due to its strong links with global companies.

Heidelberg is ideal for life sciences and humanities, with its academic tradition and research focus.

Berlin suits arts, media, and politics students, offering a vibrant cultural scene and top universities.

On average, international students need around €850–€1,200 per month to cover living expenses. This includes rent, food, transportation, and insurance.

Larger cities like Munich may require more, while smaller towns may be more affordable.

Take advantage of student discounts on transportation, museums, and cultural events.

Cook meals at home instead of eating out and shop at discount supermarkets like Aldi or Lidl.

Share housing with other students to reduce rent costs.

Yes, international students can work up to 120 full days or 240 half days per year. Popular jobs include tutoring, working in cafes, or internships in your field of study.

Remember to check your visa regulations to ensure compliance.

Always keep multiple copies of essential documents like your passport, residence permit, and health insurance confirmation.

Be punctual and well-prepared for all appointments at government offices. Bring all necessary paperwork to avoid delays.

Recycling is taken very seriously in Germany, so separate your waste accordingly.

Respect quiet hours in your building (usually after 10 PM).

Public transport operates on an honor system, but always have a valid ticket to avoid fines.

Munich is excellent for engineering, business, and technology students due to its strong links with global companies.

Heidelberg is ideal for life sciences and humanities, with its academic tradition and research focus.

Berlin suits arts, media, and politics students, offering a vibrant cultural scene and top universities.

German universities emphasize independent learning, with fewer contact hours and more self-study.

Exams are typically cumulative and held at the end of the semester, so consistent study habits are essential.