DB Retirement Planning

7. June 2025

Compensation for Pain and Suffering in Accident Insurance—What Policyholders Should Know

12. January 2026

DB Retirement Planning

7. June 2025

Compensation for Pain and Suffering in Accident Insurance—What Policyholders Should Know

12. January 2026

DB Company Pension

Solid Retirement Benefits for Employees of the German Railways' " " Division

Supplementary Company Pension Plan for Railroad Employees
Government Support Through Tax and Social Benefits
Additional contribution from the employer

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We're certain: The DB company pension is ideal for you as a railroad employee

Every day at Deutsche Bahn, you make sure everything runs smoothly—whether on the tracks, in the signal box, or in the office. That’s a lot of responsibility! To help you move through life just as confidently in the future, there’s the DB company pension. It’s the perfect complement to your statutory pension.

We know your day-to-day work inside and out. After all, we’ve been working with the railroad for many years. We know that no two jobs are alike. That’s why we don’t offer you a one-size-fits-all solution. Instead, we provide one that’s tailored just for you.

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An Overview of the Benefits of the "
" Company Pension Plan (DB)

Salary-Based Contributions

With us, there's no paperwork involved. The premiums are deducted directly from your paycheck.

Employer benefits included

Your employer contributes to your company pension plan—that's covered by the collective bargaining agreement. Sounds fair, doesn't it?

, with tax incentives

You'll even save on taxes and social security contributions. Thanks to our lawmakers.

Tailored to the target audience—

Our DB company pension plan is perfectly tailored to railroad employees like you.

Without a medical exam

No doctor's visits, no forms. It's easy to get started—even without a health checkup.

Flexibly customizable

Whether you're working part-time, changing jobs, or entering a new phase of life, your company pension plan remains flexible and supports you every step of the way.

Our Team for Railroad Employees

For us, personalized advice on an equal footing is more than just a promise—it’s part of our DNA. Our advisors not only know how the company pension plan works, but—more importantly—what it means for you as a Deutsche Bahn employee. Many of them come from the railway industry themselves. Some are also closely connected to the railway industry in other ways. They understand your day-to-day work and speak your language. We think that’s important! Because who else understands you just as well? That’s right! No one!

Whether you have questions about payment options, tax benefits, or how to best structure your DB company pension—we’ll take the time to help you. We’re reliable, knowledgeable, and approachable.

Service Hotline

030 666 43 225

Service Hotline

030 666 43 225

As a railway insurer—an agency within the DEVK network—we advise railway employees on suitable solutions related to DBplus and other forms of retirement planning. Our specialization allows us to offer attractive special rates for Deutsche Bahn employees.

DEVK is the employee benefits organization of Deutsche Bahn; we represent DEVK as a DBplus partner. Our DBplus-certified advisors, as part of the DEVK network, are thoroughly familiar with the specific needs and opportunities for railway employees.

Here's What the DB Company Pension Offers You

As part of the DB family, you shoulder a lot of responsibility every day. So it’s only fair that someone thinks of you even after you retire. With the DB company pension, you secure an additional source of income. Plus, you won’t be left to fend for yourself later in life.

The best part: Your contributions are deducted directly from your paycheck. Within the limits of the law, they’re even exempt from taxes and social security contributions.

And because we've been familiar with the work environment at Deutsche Bahn for years, you'll get a solution that flexibly adapts to your life. And do you know what else you'll get? The satisfying feeling of having already thought about tomorrow today.

A Higher Pension with the Pension Fund: 30 + 20 + 3

With the DEVK Pension Fund, you can smartly secure a company pension:
Every month, €53 goes into your retirement plan— your actual net cost is usually only €16–18.

Here's how it works:

You contribute 30 € of your gross salary to a retirement savings plan.
Your capital-forming benefits (€13.29) go directly into the pension fund—and your employer matches them to bring the total to €20.
In addition, you'll receive a €3 bonus from your employer.

This model generally applies to employees, trainees, and executives at Deutsche Bahn.

Any questions? Just give us a call or book a video appointment right away.

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Benefit Options for the DB Company Pension Plan

Lifetime Supplemental Pension

With the DB company pension, you secure a monthly supplemental pension. It’s a truly reliable benefit—for life.

Lump-Sum Option at the Start of Pension Benefits

Would you like to receive a one-time payout of a portion of your savings, if you choose? Under certain conditions, this is possible. We'll explain how!

Flexible customizationoptions

A portion of your accumulated savings can be paid out when you begin receiving your pension—for things you don't want to put off.

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How to Apply for the Deutsche Bahn Company Pension at
– Here’s How

Are you a Deutsche Bahn employee looking to apply for your company pension? If so, we’d be happy to advise and assist you.

Applying for a Deutsche Bahn Company Pension – Security and Transparency in the Application Process

It is important to us that the process of applying for a company pension follows a clear procedure. That is why you will receive a transparent overview of your entitlements in advance. In addition, we provide clear guidance every step of the way, from the application to the payout.

Applying for a Deutsche Bahn Company Pension – Benefits for Your Survivors

The company pension from DEVK benefits more than just you. It also benefits your family—at least in the event of your death. Here’s an example of survivor protection: If the insured person dies, the spouse is financially protected. In this case, pension payments continue until the date on which the deceased would have turned 85.

Apply for a Deutsche Bahn Company Pension – Take Advantage of Tax Benefits

We don’t want to keep the tax benefits from you either. Contributions made from your gross salary are exempt from taxes and social security contributions within the legal limits. Taxes aren’t due until you retire, at which point the tax rate is usually much lower. That makes your retirement plan especially attractive, doesn’t it?

Apply for the Deutsche Bahn Company Pension Now

It doesn’t matter at all whether you’re just starting your career or about to retire. Maybe you’re even thinking about a career change. If you’d like to apply for a Deutsche Bahn company pension, we’ll work with you to design a retirement plan that’s right for you. Schedule a consultation today and let’s discuss your situation.

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Frequently Asked Questions About the DB Company Pension Plan

1Who is eligible to participate in the company pension plan?

All employees of Deutsche Bahn, as well as, as a rule, employees of its subsidiaries, provided they are covered by the pension plan. We’d be happy to review this with you and provide a clear answer.

2What exactly do I mean by the DB company pension?

The DB company pension is a form of employer-sponsored retirement plan. It was developed specifically for employees of Deutsche Bahn and most of its subsidiaries. It supplements your statutory pension, ensuring that you’ll be in a better financial position in retirement. With it, you’re building an additional, reliable source of income for later in life. So when the time comes, you’ll have something to look forward to. After all, in the best-case scenario, you’ll be spared from poverty in old age.

3How do I fund my DB company pension?

It’s really simple. The contributions are deducted directly from your monthly salary. You simply don’t have to worry about a thing. Best of all: Your employer contributes to the plan. That means you get help building your retirement savings. It really doesn’t get any better than that.

4Can I make additional voluntary contributions?

Yes, that's possible! If you'd like, you can also make voluntary contributions. This way, you can further increase your future pension. There are certain legal limits that apply, and we'd be happy to advise you on them. This is how you get the most out of your retirement savings.

5What happens when you change employers?

If you change departments or locations within Deutsche Bahn, your company pension simply remains in place. You don’t have to worry about a thing, and everything will continue as usual. If you leave the company entirely, we’ll need to talk. Then we’ll work together to figure out how you can best continue your retirement planning. There are often ways to transfer or adjust your plan. But we’ll discuss that in more detail when the time comes.

6What are the tax benefits?

Your contributions to your company pension plan are deducted from your gross salary. We’d like to briefly explain how this works. Within certain legal limits, you’ll save on taxes and social security contributions. This means more money goes into your retirement savings than it actually costs you. Not only is this a smart move, but it also pays off in the long run.

7Is there insurance coverage for my family?

Yes, even in the worst-case scenario, you’re not alone. If something were to happen to you, your surviving dependents can receive benefits from your employer-sponsored retirement plan. This provides your family with additional protection.

Advice and Support

We know how demanding your day-to-day work at the railroad can be. And that’s exactly why we offer solutions that are tailored to you—whether you work early or late shifts, part-time, or are on parental leave. Your retirement plan should adapt to you, not the other way around. Let’s work together to secure your future and discuss it in person. We look forward to your call. Together, we’ll lay the groundwork you can rely on later in life. And that sounds promising—don’t you think?

Service Hotline

030 666 43 225

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DB Retirement Planning

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DB Retirement Planning

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DB Company Pension

We're certain: The DB company pension is ideal for you as a railroad employee