First Steps

First Steps

Everything you need to know before you leave home and upon arrival in Karslruhe.

Badisches Staatstheater Karlsruhe:  Opera, Symphony Orchestra and Theater

Badisches Staatstheater Karlsruhe:  Opera, Symphony and Theater

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First Steps

Before you Leave Home

The garden of the Karlsruhe Palace (Schlossgarten). The garden is free and open to the public from dawn to dusk.

The garden of the Karlsruhe Palace (Schlossgarten). The garden is free and open to the public from dawn to dusk.

  • Plan ahead

    • Everything takes longer than you expect!
    • Finding a place to live is not easy, especially in Karlsruhe. To get the process started before leaving home, consider Relocation Service move-in — they know the neighborhoods and can start looking before you arrive.
    • After finding a place to live, the first thing you need to do is register your place of residence. You need this registration to get just about everything else set up. It takes time to get the paperwork processed, so do this as soon as you are able! Hoteliers or Airbnb owners will not provide you with the necessary paperwork — you need this from your landlord.
    • Wohnungsgeberbescheinigung! This is a document issued by the landlord or apartment owner and is not often made available from temporary housing (hotel, Airbnb etc.). In fact, many apartment owners are not even aware that they need to provide such a document, but the Bürgerbüro will not process a new registration without it.
    • Mailbox. The new residence must have a mailbox where all the persons’ names living at that address are noted. This is especially important if the family name of the various family members is not the same. Much of the paperwork is still carried out by snail mail and the postal service cannot deliver mail if the names are not on the mailbox. (In Germany, mail is delivered to a name at an address.)
  • Relocation Services

    • Many companies have downsized their Human Resources Departments, therefore a lot of planning will be left to you or an outside company. 
    • Check with your employer if they offer relocation services or if they are willing to pay for such services.
    • Consider our sponsor Relocation Service move-in for your entire move or just certain aspects of your move.
    • If doing this on your own, consider that it will take a lot of time to make and keep appointments at all the various government departements, as well as time to find a place to live.
  • Documents

    Be sure that your documents are in order before you leave. Be sure to bring these documents with you when you move! Your reason for living in Germany will determine which of these documents are necessary.

    Many important documents need to be legalized or apostilled if issued outside of Germany or the EU.

    Some documents may need to be translated twice - once in your home country and once in Germany.


    These could include:

    • Valid passport for yourself and those moving with you - including photocopies;
    • Valid visa where applicable;
    • Original and certified or apostilled German translation of birth certificates;
    • Original and certified or apostilled German translation of marriage certificate;
    • International driving license;
    • Medical information such as a list of vaccinations or prescriptions, preferably in German;
    • School transcripts for your children if they will be attending school in Germany (In Germany, all those between 6 and 18 years of age are required to attend school);
    • Original documents of academic degrees as well as a translation (at least in English).

    Wait to get biometric digital photos of yourself and your family until you know the size and requirements.

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First Steps

Finding a Place to Live

Apartment houses in the Südwest neighborhood of Karlsruhe.

Apartment houses in the Südwest neighborhood of Karlsruhe.

  • Housing Market in Karlsruhe

    • Housing in Karlsruhe is in short supply.
    • You will need lots of patience and a bit of luck.
    • Owners often receive more than 100 offers but only a few are invited to have a look at the apartment or house rental.
    • It is possible to send out many requests and get no replies.
    • When replying to an advertisement, look upon it like a job interview - be prepared and try to convince the owner that your are the best person for the apartment!
    • Expect to make compromises.
    • Under no circumstances is it necessary to pay ahead of time (e.g. €100) to have a look at the apartment - this is often a scam, so beware!
    • Especially when looking for a place to live, a professional service is recommended. They know the neighborhoods and can start looking for you before you arrive. Relocation Service move-in.
  • What to expect

    • Don't be surprised to find that many apartments and houses come without kitchens! You may have to install appliances (refrigerator, stove, washing machine, etc.) and cabinets yourself. Sometimes it is possible to buy the old kitchen from the previous renter.
    • There may be no lamps in the rental.
    • You will be expected to pay a deposit of up to 3 months basic rent which will be returned to you when you depart — provided there are no outstanding expenses or damage to the apartment. If the landlord wants cash as a deposit make sure you get a receipt!
    • The amount of your rent is not negotiable!
    • The landlord or agent may ask you to fill out a "Selbstauskunft" (voluntary disclosure of ones personal and financial data). You are not required to provide this information, but your chances of finding an apartment will greatly improve if you do. Download the file Selbstauskunft.pdf to learn what types of questions may be asked - in English and German.
    • Before you sign your rental agreement, be sure to read over it carefully or have someone explain it to you!
  • Where to look

    • Often the best way to find a place is through connections — friends, work colleagues etc.
    • The regional daily newspaper advertises rentals on Wednesdays and Saturdays. 
    • A number of free newspapers list rental properties. 
    • Internet sites are good alternatives. 
    • Especially when looking for a place to live, a professional service is recommended. They know the neighborhoods and can start looking for you before you arrive. Relocation Service move-in.
    • Download a list of words and abbreviations most often used in advertisements — with English translations — here.
  • Contracts and costs

    The costs associated with your rental property can be divided into three categories: basic rent, overhead costs and utilities.


    1. Basic Rent (Kaltmiete or cold rent)

    This covers the basic rental of the property. Sometimes the garage, carport or parking space is included in the basic rent, sometimes not.


    2. Overhead Costs (Mietnebenkosten)

    Make sure you know what is covered when you sign your agreement. These are additional costs you pay to the owner and may include: heating, water (hot and cold), taxes, cable television, garbage collection, sewage, snow removal, general maintenance of the building (not your apartment), building insurance and water usage for common spaces, etc.

    The Nebenkosten (NK) are paid at a predetermined fixed rate per month. Because some of these costs depend on individual use (esp. heating and water), once a year you will receive a Nebenkostenabrechnung listing actual use and you will either have to pay the difference or you may get a refund. Your landlord must provide you with this information in a timely fashion.


    Basic Rent plus Overhead Costs are known as Warmmiete (warm rent) or Gesamtmiete (total rent). 


    Although it is called "warm" rent, heating costs may not be included. 


    Warmmiete is what you pay your landlord. 


    Note: Most apartments in Karlsruhe, especially older buildings, are heated with gas (see Utilities), which is not covered in the Nebenkosten.


    3. Utilities and costs not covered in point 2.

    These can include heating, telephone, cable television, electricity, etc. Please check the links for specific information.

  • Additional Tips

    • If there is no house manager/superintendant (Hausmeister), it is your responsibility to keep the building clean, done on a rotating basis among the tenants. This can include: mopping the stairs, sweeping the sidewalk, removal of snow and ice from in front of the house in winter, etc. There is often a schedule so that everyone knows who is responsible for what and when. If you cannot fulfill your duties, you must find an appropriate replacement, e.g., if you are on vacation in winter, you will need to find someone to take over snow shoveling in case it snows. It is often possible to trade with or make an arrangement with fellow tenants.
    • If you find you are having trouble with your landlord or other tenants, it might be worthwhile consulting a local chapter of the Tenant's Association (Deutscher Mieterbund). For a yearly fee, experts are available to help you with your problem. Some branches offer help in languages other than German.
    • You will get a list of rules and regulations for the building with your contract (Hausordnung). In addition, there is sometimes a pinboard hanging somewhere near the main entrance with news such as a warning that the water may be cut off because of maintenance. 
    • Even though it can be very hot and muggy in Karlsruhe in the summer, very few houses or apartments have air conditioning. It is still considered a waste of energy and money. Some new constructions have innovative methods to provide cooling, but these are few and far between. If you can't sleep at night, a fan or a small air conditioner unit may save your sanity.
    • Most apartments have a washing machine hook-up either in the kitchen or the bathroom. If not, there should be a laundry room in the basement with separate electric lines for each apartment. In most cases, you must purchase your own washing machine. Dryers are becoming more popular, but most people still hang their laundry to dry either in the basement laundry room or on a stand on the balcony or within the apartment. 
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First Steps

Registration of Your Residence

  • Why is this important?

    • Registering your place of residence should be done as soon as you have a place to live. The paperwork can take a few weeks.
    • You need this paperwork completed before you can set up a bank account, get your tax ID number, apply for health insurance, etc.
    • Keep your registration document secure — it is very important!
    • It is very important that your name(s) on your mailbox is the same as that provided on the paperwork so that important documents reach you. The postal service delivers to a person at an address, not to the address itself. If the family name differs for those living at a single address, all names should be listed on the mailbox.
  • Who needs to do this?

    Everyone in Germany must register their place of residence at their Rathaus, Bürgerbüro or Ortsverwaltung — Germans and non-Germans alike.


    Exceptions: If you are registered somewhere else in Germany and are staying in Karlsruhe less than 6 months or if you are from outside of Germany and only planning on living in Karlsruhe for less than 3 months then you do not need to register.

  • What is the time frame?

    You must register within two weeks of moving into your new home. 

  • Paperwork and Fees

    • The paperwork can often be found on the website of your town or city. 
    • The Rathaus, Bürgerbüro or Ortsverwaltung can also help but you need to make an appointment first.
    • There is no fee to register your place of residence.
    • If you are having trouble or if this is too complicated because all the forms and information are in German, consider contacting our sponsor, Relocation Service move-in.
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Karlsruhe Town Hall (Rathaus)

Karlsruhe Town Hall (Rathaus)


First Steps

Visa and Work Permits

  • Who needs a residence permit?

    • Residency and visa requirements depend on your country of origin and length and purpose of your visit. 
    • Your residence permit can only be taken care of after you have registered your place of residence with your city, i.e., provided documents for the city stating where you are living, how many are living with you etc.
  • Requirements

    • The requirements for the residence permit will depend on the purpose of your visit:  work, studies, accompanying family member etc. 
    • You will need to prove that you have enough money to live in Germany and support yourself and your family and that all persons with you in Germany have sufficient health insurance coverage. 
    • Consult the Ausländerbehörde or Ausländeramt in your town or region to find out which documents you will need, but many are listed here under Documents.
    • Dealing with documents is easiest left to the experts who do this on a daily basis. Contact Relocation Service move-in for help.
  • ID Card

    • German law states that all residents and visitors over the age of 16 must carry legal identification with them at all times.
    • Suitable ID is either the German or European National ID card, your passport or the eAT.
  • eAT Card

    • Non-EU residents in Germany are issued electronic identification cards which show their immigration status (eAT). This ID is the size of a credit card and is an official form of identification. This card does not replace your passport, so remember your passport (& eAT) when crossing European or international borders.
    • The card contains a digital photo along with a chip, which also contains a digital photo and 2 fingerprints, along with your legal status and status to work. 
    • Optional:  This eAT card can be used as an online-ID for use in communicating electronically with government institutions and contains a digital signature for online communication.  If you choose this option, you will receive a 6-digit PIN number for use in combination with the card. This can be used, for example, to open up an online bank account or sign up for mobile phone service on-line. Be aware that not all companies are equipped to use this card as ID.
    • Long time expats should know that when it's time to renew your passport, you also need to renew your eAT card.

    There is a fee to obtain this card.

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First Steps

Banks and Banking

Municipal Church of Karlsruhe (Stadtkirche) at Marktplatz.

  • Opening an account

    • Make an appointment and ask the bank of your choice if there is someone to help you in English (or another language).
    • You will need your passport and residence registration paperwork showing your address. In addition, the bank official may ask for your tax ID.
    • Nothing is free — almost all banks now charge yearly service fees of €60 upwards.
    • Some banks offer a free account if you deposit a minimum amount (upward of €600) a month, such as your paycheck.
    • Normal banking hours are Monday - Friday from 8:30 am until 4 pm. Some branches close during lunchtime and some close earlier on Fridays.
  • Cash and EC Cards

    • Daily financial transactions in Germany are usually made in cash or by using an EC card (electronic cash) which acts like a direct debit card from your bank account. You will receive your card by mail within a week of opening the account. Your PIN number will be sent separately. Many smaller stores will only accept EC cards for purchases above €10 - there is usually a sign at the check-out counter. Be sure to have cash on hand for smaller purchases - and for use in parking meters and toilets, although these are also starting to move with the times. 
    • All banks offer online banking and you can take care of most everything at home. Most of the bank websites only have German interfaces.
    • Most banks offer services so that you can make payments with your smartphone.
    • You can use your EC card to withdraw cash from ATMs (Geldautomat) or to print out bank statements (Kontoauszug) at your bank.
    • Withdrawing cash with an EC card from your bank ATM is usually free. Withdrawal from other bank ATMs will cost money - often times both banks charge a fee. There are two main banking systems in Germany - CashPool and CashGroup. It is often possible to avoid fees if you keep within your system. Check with your bank. 
  • Credit Cards

    • Please be aware that credit cards are not always accepted nor are they always in common use in Germany. If in doubt, ask specifically if your credit card (VISA, Master Card etc) will be accepted — EC cards are often called credit cards. 
    • Most banks will expect you to have established and operated an account for a few months before applying for a credit card.
    • Checks are not in common use by private individuals in Germany.
  • Paying Bills

    • Bill payments are most frequently taken care of through bank transfer (Überweisung). Fill out a transfer form (Überweisungsformular) and submit it at your bank — many banks charge a fee for each transaction.  This can also be done online for free, if you have set up online banking.
    • If you have recurring payments that vary in size, such as utility bills, you can give the recipient a direct debit authorization (Einzugsermächtigung) which allows them to withdraw the amount from your account (Lastschriftverfahren) each month. 
    • You can also set up a money transfer order (Dauerauftrag) so that regular payments of a set sum, such as rent and insurance premiums, are automatically deducted from your account.
  • Transferring Funds

    • Be sure to find out what the IBAN and SWIFT codes are for your account because you will need them for all international transactions. Be aware that there are fees associated with these transactions which are not always easy to determine ahead of time. 
    • EU regulations have reduced some of these fees within the Eurozone. As of February 2014, all transactions in Euros use IBAN numbers — in Germany they are 22 digits long and are noted on your EC card. Please note that most banks do not charge fees within the Eurozone, but do charge fees for transactions within the EU to countries which do not have the Euro.
  • Lost or Stolen ATM or Credit Card

    If your ATM card or credit card is lost or stolen, call 116 116 to put a stop on the bank card. This service is available 24/7 regardless of your German bank. If your German bank card is lost or stolen outside of Germany, call +49 30 4050 4050.

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First Steps

Utilities

Karlsruhe is known as the City of Justice — home to the Federal Constitutional Court (Bundesverfassungsgericht) (photo above) as well as the Federal Court of Justice (Bundesgerichtshof).

  • Electricity

    • Electricity (Strom) for the building (stairwell, outdoor) will be covered in the Mietnebenkosten, but you must establish an account for your personal electricity consumption. The name of the current electricity provider can usually be found on your electricity meter.
    • Make sure you inform the provider that you have taken over the account (by phone or via their website) and be sure to read the meter so that you don't end up paying for the tenant before you.
    • Upon receipt of your information, you will be sent an information package about rates and you will be able to select your energy mix (green, nuclear, etc) as well as complete your direct debit payment details. If your stay in Germany is limited, don't sign up for a long term agreement, even if the rates are lower.
    • Because of deregulation in the energy market, it is possible to change providers if you wish. There are over 110 to choose from in the Karlsruhe region! Countless websites are available to do a comparison. Read the fine print  — the cheapest option may not be the best in the long run!
  • Heating

    The different forms of heating in the Karlsruhe region are:

    • Gas (Gas) - This can be Gasetagenheizung or Zentralheizung (see below).
    • Oil (Öl) - In some single-family homes there is an oil tank which requires the delivery of oil to your property. In some apartment buildings, central heating (Zentralheizung) (see below) uses oil rather than gas.
    • District Heating System (Fernwärme) is only available in a small section of the city of Karlsruhe and also Ettlingen and is usually distributed as central heating (Zentralheizung) into the building. (see below)

    Gasetagenheizung vs. Zentralheizung

    • Etagenheizung - the heating is controlled within the apartment or provided for the entire floor of the building. In most cases you will deal directly with the supplier and the heating is not included in your rent or the overhead costs (Mietnebenkosten). See below under Gas.
    • Zentralheizung - the whole building is heated from one source, usually in the basement. Depending on the arrangement, the bill may be divided among the tenants according to the size of your apartment or the number of tenants in the building. Alternatively, if each apartment has a regulator, the real usage can be determined. This is most often paid as part of the Mietnebenkosten (see Finding a Place to Live). During summer, the central heating will be turned off to save energy.

    Nachtspeicherheizung is a form of heat charged by electricity (Strom). At one time it was very popular because the heating system was charged up at night when the electricity prices were cheaper. You will pay the supplier directly for the electricity (see above).


    Solarpanels (Solarwärme) 

    Many single family and some multi-family houses have solar panels on the roof as a supplemental energy source especially to heat water. If done correctly, this can significantly lower your energy expenditures. 

  • Gas

    • If your gas/heating is not covered in your rental agreement, you will need to establish an account with the provider, similar to the procedure for electricity (see above).
    • The gas market has also been deregulated — read the fine print if you switch suppliers!
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First Steps

Insurance

  • Statutory Health Insurance

    • Everyone in Germany must have health insurance.
    • Statutory health insurance is used by 88% of the population. The basic rate  is 14.6% of your eligible gross salary to a maximum monthly income limit of €5175 (in 2024). The employer pays 7% and the employee pays 7.6%. All insurance companies require an additional 1.5 - 2% payment from the employee (Zusatzbeitrag).
    •  If you are self-employed, the amount you pay monthly depends on your income ranging from about €190 to €820 and varies among the insurance companies.
    • Your children and spouse can also be insured with you at no extra cost as long as your spouse is not earning more than €538/month. (Familienversicherung)
    • If you or your spouse have private health insurance and earn more than €69,300 a year, the children must be insured on that private insurance.
    • The government health system pays your bills directly. When visiting the doctor or when being admitted to the hospital you have to present your health insurance card. 
    • There are some additional costs, such as €5 or €10 per prescription; €10/day for hospital stays and more.
    • About 110 health insurance companies (Krankenkassen) offer statutory health care.
  • Private Health Insurance

    • Everyone in Germany must have health insurance.
    • If your annual income is €69,300 (as of 2024) or greater you have the option to apply for private health insurance. 
    • Civil servants, students, freelancers, business-owners or the self-employed are allowed to apply for private health insurance without this annual income minimum.
    • A private health insurer calculates your premium based on age, gender, any pre-existing medical conditions as well as the options you choose for your coverage. Each insured person has his or her own premium. The benefits are part of the contract and will be permanently guaranteed as long as the insurance is in place.
    • While the rates may be low in younger years, they increase with age and it is difficult, if not impossible, to switch to the statutory health insurance in later years.
    • If you or your spouse have private health insurance and earn more than €69,300 a year, the children must be insured on that private insurance, even if the other spouse has statutory health insurance.
    • Private health insurance offers a choice of doctors and hospitals. Often alternative treatments and private hospitals are included.
    • With private health insurance you generally pay the bills first and then submit these to the private insurer for reimbursement. Alternatively you can forward the bill to your insurance company and they may pay it directly. The costs for hospitalization are paid directly to the hospital by the private insurer.
    • With private health insurance it is possible to receive a partial refund of your premium if your costs are low.
  • Student Health Insurance

    Sites with information about health insurance, especially for students, are listed below. This is information only — we are not affiliated with these sites.


    http://www.germanyhis.com/


    http://www.hiffs.de/

  • Personal Liability Insurance

    • Personal liability insurance (Haftpflichtversicherung) provides assistance in case of accidental damage to a third party. 
    • This insurance also covers accidental damage outside your own home as well as covers against third party claims.
    • Generally, fees are low and it's worth the peace of mind. 
  • Household Insurance

    • Household insurance (Hausratversicherung) covers losses from burglary or other incidents. Your reimbursement should correspond to the actual costs of the items insured.
    • It's worth considering including insurance for glass, windows, bicycles and loss of keys.
  • Pet Insurance

    • Check your liability insurance policy and make sure your pet is covered, i.e., that you are covered in case your pet causes damage. If not, you may want to take out insurance for your dog (Hundehaftpflichtversicherung).
    • Amazing but true, health insurance (Hundegesundheitsversicherung) is available for your dog (or cat). You can decide if it's worth it or not. 
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Dammerstock, a Bauhaus apartment complex in Karlsruhe.

Dammerstock, a Bauhaus apartment complex in Karlsruhe.


First Steps

TV and Phone

Karl Friedrich von Baden statue, Karlsruhe Palace, Botanical Garden in the spring and the fall.

  • Television Fee

    • Every household is required to register and pay a media user fee (Rundfunkbeitrag) regardless if you have zero or ten devices which can receive radio or TV signals (radio, TV, computer). Heavy penalties for not paying apply. Applications to register can be picked up at the Post Office and at some banks or on-line. Payment is made by bank transfer or you can sign up for payment by direct debit (Lastschriftverfahren). In most cases, this fee is €18.36 a month (in 2024).
    • There are very few exemptions from this fee.
    • The fees finance public television broadcasting provided by ARD, ZDF and third programs.
    • Cable subscription rates are in addition to the Rundfunkbeitrag fee; satellite viewers must pay Rundfunkbeitrag as well.
    • It is important to cancel your Rundfunkbeitrag when you leave Germany.
    • Information in English is available here. Most of your questions should be answered. 
  • Landlines/Internet Access

    • Most homes have an existing phone line.
    • To reconnect an existing phone line in your own name, you need to register with a phone company. Many have minimum contract periods of up to two years, so be sure to read the fine print, especially if you won't be here very long. Some contracts also require you to cancel your policy months in advance or it will automatically be renewed. A mobile connection may be the better choice for short term visitors.
    • Telephones can be bought or rented from the phone company, or you can buy your own from an electronics store.
    • You can select your own provider — it's possible to get a combination cable television, phone and Internet service package, available through both telephone and cable television providers.
    • It may take up to four weeks to get your connection set up!
    • Pricing will depend on the service provided. Packages are available with flat monthly rates or per usage, with any number of possible service combinations (cable television &/or internet &/or telephone). Choose what is best for you.
    • Some providers you will charge a one-time set-up fee and it may require a workman coming into your apartment/home. 
  • Mobile Telephones

    • The standard in Germany is GSM (Global System for Mobile Communications), which operates in the 900 MHz and 1800 MHz range.
    • To use your existing phone in Germany, it should be a GSM tri-band phone — most tri-band and quad-band phones will work in Germany — as well as in most of Europe.
    • The European Union "roam like at home" service means that while travelling within the EU you pay the same for services as you would at home. However, if you use your moblile phone abroad permanently, your mobile operator may charge you for roaming costs. Information in English is available here.
    • If you already have a phone and would like a German mobile telephone number, you need to purchase a SIM card — for this you must show a legal form of identification (passport, eAT, etc.) and fill out some forms.  It is no longer possible to register with a pseudonym.
    • If you do not own a mobile phone, many providers will give you the phone for free or at a low cost, in exchange for a contract, usually with a minimum of two years.
    • Shop around to find the service that best suits your needs — the options can be overwhelming. Stores in and around Karlsruhe serve just about every provider.  Ask around and maybe you'll find English-speaking help.
  • Pre-Paid SIM cards

    • Pre-paid cards will cost more per call/text message than a fixed contract, but if you aren't going to be here long, it is cheaper than being stuck in a two-year contract.
    • Pre-paid SIM Cards are available on-line, at discount supermarkets, at regular supermarkets, at gas stations, at mobile phone stores etc. You will pay a one-time fee for your SIM card (usually between €10 and €30) which usually includes a starting balance of €5 or €10.
    • Starting July 1, 2017, anyone purchasing a pre-paid SIM card must register and provide proof of name, address and birth date (ID card, passport or eAT). It is no longer possible to register with a pseudonym.
  • Free Wi-Fi

    • Wi-Fi in German is W-LAN.
    • While there are some hotspots in and around Karlsruhe, they are not quite as popular as in other countries. Germans value their data privacy, and many of the hotspots are "open". 
    • Karlsruhe has free KA-WLAN and KA-sWLAN in certain areas of the city. Information in English is available here
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