Living Abroad: Essential Tools An Expat in Germany Can’t Live Without
I’ve been living abroad as an expat in Germany for a long time (read my last life update post). Something that happens with many of us who come to call Germany home, is that it becomes easy to get caught up in the fun and excitement of our new lives. For example, as a travel lover, I take immense delight in jetting around Europe on weekend trips to places like Budapest. It feels glamorous and we tend to downplay the realities of what it’s like to live somewhere other than your native country. While it’s mostly fine, there’s usually
always unexpected difficulties. You may find yourself in an uncomfortable position trying to figure out how to resolve a situation, which can be especially tough it occurs back home and you’re stuck on the other side of the planet unable to do anything. Take for instance, the time I was robbed in Barcelona years ago and my wallet was stolen; which just happened to include my Canadian bank card. I wasn’t able to get a new card sent to me in Germany and I eventually had to visit home just so I could get a new card and settle things with the bank. That’s a drastic and pretty expensive way to solve a problem.
While many countries and corporate institutions like banks seem reluctant to embrace that “mind blowing” concept of globalization (America, I’m looking at you.), some companies are starting to meet the needs of those living abroad.
Recommended reading: The Best Berlin Apps that will Improve Your Berlin Experience and 10 Must-Have Apps for Visiting Munich
Living Abroad: Essential Tools An Expat in Germany Can’t Live WithoutFour essential tools an expat in #Germany can’t live without. Can you add any to the list? Click To Tweet
What do I use it for? To send money from my German bank account back to my bank in Canada every month.
Why do I use it? It’s convenient, cheap, and fast. I can send money using their app or website without visiting a bank, filling out a piece of paper by hand, and dealing with a grumpy bank teller. I also avoid paying a massive sum of cash to wire the money to Canada. With Transferwise, the money arrives home within 1-2 days days and I’m able to pay my Canadian bills, deposit money into my savings, and more.
How much does it cost? On average, I send about €1,000 to Canada each month. The cost of the transaction is never more than €5-6, which is way cheaper than the €30-40 it would cost me to transfer the money home to Canada through my German bank.
Transferwise also offers plenty of other features like credit cards, borderless bank accounts, and more. Sign up today.
What do I use it for? To have a second Canadian number on my German phone and receive calls and text messages
Why do I use it? My bank in Canada doesn’t allow me to store a non-Canadian number in my profile on their website. Recently, they enforced two factor authentication so after you enter your user name and password, you also need to be able to receive a text to your phone to complete the login process. I got around it for a while by inputting a Canadian friend’s number on my profile but this meant that I had to message him to send me the code he received. Obviously, he didn’t always respond right away, which was super inconvenient. The whole situation was just ridiculous. Finally, I found a great solution with iPlum and now have a Canadian number to receive calls and texts on my German phone. They’re one of the few companies offering text capabilities for Canadian virtual numbers.
How much does it cost? I’m paying about $20 USD per month for the service, which is on the expensive side, but worth it for the convenience alone. It’s much cheaper if you sign up for an entire year, but I’m reluctant to make a long term financial commitment at the moment.
What do I use it for? To have snail mail sent to a an address in Canada and then forwarded to me in Germany.
Why do I use it? My bank in Canada also doesn’t allow me to store a non-Canadian address in my profile. While I’ve opted to go paperless for most of my accounts, loans, and investments, there are still times when send me physical letters. I’m also still enrolled in Canadian rewards programs and get items mailed to me from time to time. Your Canadian Address receives mail, notifies you by email, and presents you with options – they can open the envelope and send you a scan or they can forward it you wherever you are in the world. If you’re dying to have an item from home, you can have the items sent to them, and they’ll forward it as well. I’ve plans to order Tim Horton’s coffee, Swiss Chalet mixes, and some other random items to help me deal with my homesickness. I only learned about their ability to receive packages for you (not just letters) and I can’t wait to try this service.
How much does it cost? What I love about My Canadian address is that they don’t charge you a recurring fee. You only pay when they receive something and decide to do something with the piece of mail. They’ve even been kind enough to tell me when I’ve received junk mail and didn’t charge me. To have a letter posted to you via standard mail, it runs about $2 USD + postage, a scan runs you $3 USD for the first three pages, and getting something shipped to you is $10 USD + postage.
Note – I know this service only works for Canadians, but I feel compelled to include these guys here as their service is so invaluable.
What do I use it for? To file my German taxes in English and maximize the possibility of getting a refund.
Why do I use it? German tax laws are notorious for being complicated. Taxes are a stressful experience for the average German, never mind a newbie to the country. Our unfamiliarity with the laws, coupled with a lack of German language basics can make filing taxes an overwhelming experience. SteuerGo is best suited to those who work full-time for a single employer (sorry freelancers!) and offer tax services in English. Not only do they guide you through the tax filing process step-by-step but they also inform you about different items you can claim like transit, professional fees, and more. Once you complete your return, they send it to the tax office (Finanzamt) on your behalf. You’ll receive notification by post at a later date, advising of your results.
How much does it cost? One return will run you €29.95.
What do I use it for? To appear as if I’m physically in Canada to access certain websites or view geo-blocked content.
Why do I use it? Even with my Canadian phone number and mailing address, I sometimes still need to fool Paypal into thinking I’m in Canada order to access my Canadian Paypal account. I need to do the same if I want to order items from Amazon Canada. Since GDPR went into effect, there are several American news sites that block any viewing attempts coming from Europe. So that’s where TunnelBear VPN services come in – I can access news sites, order from Amazon, and transfer money out of my Paypal account.
How much does it cost? It’s $9.99 USD per month o(r $4.17 USD monthly if you pay one year upfront) for unlimited data.
Have I missed any major tools for expats living abroad? Tell us about it by leaving a comment below.
Good to Know
1) Read more about living abroad in Germany:
- 5 Things You Need to Know About Health Insurance in Germany
- 60 Signs That You’ve Been Living In Germany For A Long Time
- Berlin Expat Advice – Learn German in Berlin
2) Find Germany travel inspiration here:
- A Guide Of Cool Things To Do Around Hamburg Schanzenviertel
- An Afternoon Walk Through the City: Frankfurt Photos
- Weird & Offbeat: The German Salt Museum in Lüneburg
Need somewhere to stay when you’re in Germany? Check out hotel offerings on booking.com.
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Disclosure – Believe it or not, this isn’t a sponsored post. No one paid for me to tell you about these essential tools. I simply wanted to share what’s worked for me and made my experience of living abroad an easier one. As it costs me a pretty penny to keep this blog afloat, I’ve added a couple affiliate links throughout the post. If you want to help me out (at no cost to you), sign up for TransferWise or book a hotel using the widget above and I’ll receive a small commission. Thanks so much for your continued support!