DB Retirement Planning

Robust Retirement Benefits for Deutsche Bahn Employees

Supplementary Retirement Savings to the Statutory Pension
Special Offers for Railroad Employees
Employer Contribution Subsidy

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Why the DB Retirement Plan
is ideal for you as a railroad employee

As a Deutsche Bahn employee, you spend your entire working life taking care of passengers—in one way or another. So it only makes sense that you, too, should be able to enjoy a worry-free retirement one day. And that’s exactly where the DB retirement plan comes in. It supplements your statutory pension. It also offers you additional security for your future.

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An Overview of the Benefits of the "
" DB Retirement Plan

Direct
from your paycheck

Your contribution is conveniently and automatically deducted from your paycheck, so you don't have to worry about a thing.

Including the employer's share

Your employer contributes to the premiums—an added benefit you shouldn't miss out on. We'd be happy to discuss the details with you in person.

Take Advantage of the Tax Benefits of

The DB retirement plan is a deferred compensation plan. This means you also benefit from tax advantages.

Customizable for changes to the

What makes sense today may already be outdated tomorrow. That's why your DB retirement plan can be flexibly adjusted.

Railway-Specific
Pension Plan

It is a supplemental retirement plan available only to female employees in the railway sector.

Without a medical exam

For the DB retirement plan, we don't ask any questions about your health. So an ailment or illness doesn't disqualify you from the plan. Cool, right?

We're here for you!

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 DB corporate pension plan works, but above all, what it means for you as a Deutsche Bahn employee. Many of them come from the railway industry themselves. Some also have close ties to the railway industry through other means. They understand your day-to-day work and speak your language. We think that’s important! After all, who else understands you quite as well? That’s right! No one!

Whether you have questions about payout options, tax benefits, or how to best structure your DB retirement plan—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.

What the DB
retirement plan offers you as a railway employee

As a Deutsche Bahn employee, you have many opportunities. For example, you can build up an additional pension with a DB retirement plan. Contributions are deducted directly from your paycheck, allowing you to automatically take advantage of tax benefits. Together with DEVK, DB offers you an excellent retirement plan—one that’s tailored precisely to your professional situation.

Better Retirement Planning with a Pension Fund: 30 + 20 + 3

With the DEVK Pension Fund, you can smartly secure additional retirement savings:
A total of €53 is contributed to your retirement plan each month— for most people, the net cost is only €16–18.

Here's the story behind it:

You convert 30 € of your gross salary.
Instead of a separate contract for capital-forming benefits (€13.29), this amount goes directly into the pension fund— and your employer matches it up to €20 per month.
On top of that, there's a 3 € bonus from the employer.

This option is generally available to employees, trainees, and managers.

Any questions? Just give us a call or schedule a video appointment.

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Your Options
with a DB Retirement Plan

Monthly Pension—for Life

When you start receiving your pension, you'll get an additional payment every month—reliable and for life—to supplement your statutory pension. In these times of poverty among the elderly, that's certainly a nice prospect!

Lump-Sum Payment Upon Retirement

Are certain requirements met? If so, you can withdraw a portion of your accumulated capital. As you get older, there are just as many investments to make. Unfortunately, money is often in shorter supply at that stage of life. But not for you!

Stay flexible—even as your life changes

Whether it's part-time work, parental leave, or other career changes, your DB retirement plan adapts to your situation and remains flexible.

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For more information on retirement planning for Deutsche Bahn employees, visit

As a railroad employee, you have special benefits when it comes to retirement planning. These benefits aren't just for when you retire.

Protection for Your Loved Ones – Retirement Savings for Deutsche Bahn Employees

DEVK's retirement plan doesn't just benefit you. They also benefit your family—at least in the event of your death. An example of survivor protection: If the insured person dies, the spouse is financially protected. In this case, the pension payments continue until the date on which the deceased would have reached the age of 85.

Clear Terms, High Security – Retirement Plans for Deutsche Bahn Employees

With the Bahn Employee Retirement Plan, you’re choosing a reliable solution. All benefits are clearly defined, so you can keep track of everything at all times. We believe this is important because we don’t want to just sell you anything—we want to create real value for you.

Tax Benefits of Retirement Savings Plans for Railroad Employees

Your contributions are deducted directly from your gross salary. That’s why you also benefit from tax advantages. This way, you can build up your savings smartly through the retirement plan for railway employees. We’d be happy to advise you personally on individual retirement plan arrangements for railway employees.

We're here to advise and support you!

We are the experts in insurance for railroad employees. That’s why we’d like to support you with our expertise. Feel free to contact us. Together, we’ll find solutions.

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Frequently Asked Questions About DB Retirement Plans

1Who can participate?

All Deutsche Bahn employees, as well as most employees of its subsidiaries, provided they are covered by the applicable pension plans. If you're unsure, we'd be happy to check this with you.

2What exactly is the DB Retirement Plan?

DB Altersvorsorge is a supplemental, employer-sponsored retirement plan. It supplements your statutory pension. It also helps you bridge any potential financial gap in your retirement years. Unfortunately, many retirees face such gaps. So it bridges the gap between what you’ll need later in life and what you’ll receive from the government. The retirement plan is specifically tailored to the needs of railway employees. It ensures that you can enjoy a more worry-free life in retirement.

3How is my retirement plan funded?

Contributions to the DB retirement plan are automatically deducted from your gross salary. This means you’ll hardly notice the difference in your take-home pay, but you’ll benefit in two ways: through the retirement plan itself and through tax advantages. In many cases, your employer also contributes to the plan. This can make the retirement plan even more attractive. Who doesn’t dream of being able to treat themselves to something nice later in life?

4Can I make additional contributions myself?

Yes, you have the option to make additional voluntary contributions. However, certain requirements must be met. We’d be happy to discuss these with you in person. With additional payments, you can specifically increase your future pension. You can also make your payout options more flexible. This is especially true if, for example, you receive a bonus or want to take advantage of a raise. It can really pay off in the end.

5What happens if I change employers?

If you change jobs within the DB Group, your retirement plan simply carries over. It essentially follows you to your new job at the Railroad. You don’t need to do anything else. If, on the other hand, you leave the Railroad, we’ll work together to find suitable options. Rest assured that the benefits you’ve accrued so far can be continued in another form. You won’t lose any money. We know that the professional world moves fast. Sometimes you might decide to take a different path. And that’s totally fine. It just shouldn’t be to your disadvantage.

6What tax benefits do I have?

Your contributions to the DB retirement plan are deducted directly from your gross salary and are exempt from taxes and social security contributions up to certain limits. We’d be happy to explain these to you in a personal meeting. This allows you to save money right away when you make a contribution, while also investing wisely in your future. Future benefits are also generally taxed at a lower rate than your current income.

7Is my family covered as well?

Yes, we’ve even thought about what might happen in an emergency. Should anything happen to you, the DB retirement plan provides benefits for your surviving dependents. This ensures that your partner and children are financially secure in certain circumstances. That gives all of you peace of mind—today and tomorrow. And we believe that’s especially important! In times when family is the most important source of peace and comfort after a hard day’s work, they deserve special consideration.

Advice and Support

We know how demanding your day-to-day work at Deutsche Bahn 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 build a secure future for you. During a personal consultation, we’ll provide clarity and address all your questions. We look forward to hearing from you.

Service Hotline

030 666 43 225

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Additional Offers for Railroad Employees

DBplus - Supplemental Pension for Railroad Employees

How does DBplus work? Find out what benefits this plan offers, how you can save on contributions, and how you can further boost your retirement income.

How does the company pension plan work? Find out what benefits you’re entitled to and what advantages the supplemental pension plan offers you.

What's behind the DEVK Pension Fund? Here's how the model works, including contributions, opportunities, and benefits for your retirement.

DBplus

DB Company Pension

DBplus

DB Company Pension

DB Retirement Planning

Why the DB Retirement Plan
is ideal for you as a railroad employee