Residence · GermanyGermanyEUSchengen

Residence permit in Germany without a job offer

From €1,20010–30 working days

Government fees are paid separately at cost and are listed below with their source.

Indicative prices; the final quote depends on your case.

  • Route selection and eligibility check
  • Document list for your case
  • Application file and filing
Minimum income
€1,091/monthChecked onsource

For qualified job seekers, founders and freelancers without a German employment contract.

Check your eligibility

The Opportunity Card lets a qualified foreigner look for work in Germany for up to a year: 6 points, a foreign qualification of at least 2 years, A1 German or B2 English, and €1,091 a month in proof of means for 2026. Founders and freelancers use the § 21 permit instead.

Updated

Opportunity Card in figures

GermanyEUSchengen

Minimum income
€1,091/monthChecked onsource
Permit validity
1 yearChecked onsource
Sources behind each figure

How it works

Job search or your own business

Germany has no investor visa and no digital nomad visa. These two permits cover most people who arrive without a contract.

Opportunity Card: a year to find work

Introduced on 1 June 2024, the card needs 6 points unless you are already a recognised skilled worker. Proof of means is €1,091 a month, €13,092 for 12 months, usually in a blocked account.

You may work part-time up to 20 hours a week and do trial work of up to 2 weeks per employer. Once you find qualified work, a follow-up card of up to 2 years is possible.

§ 21: self-employment and freelancing

There is no fixed minimum investment. The authority looks at economic interest or regional need, expected positive effects and secured financing; applicants over 45 need adequate retirement provision.

The first permit runs up to 3 years; settlement is possible after 3 years if the business runs successfully and income is secured.

Who this is not for

  • People with a German offer: the work permit or Blue Card is the route
  • Remote employees of foreign companies looking for a nomad visa
  • Applicants without a 2-year qualification for the Opportunity Card

How we handle it

We score your points for the Opportunity Card or review the business case for § 21, assemble the file and file the visa application.

What you getEUSchengen

What these permits allow

Requirements

Opportunity Card requirements

Four conditions for the card; § 21 is assessed on the business.

Legal basis:Chancenkarte – Informationen der Deutschen Vertretung TaipeiAufenthG § 20a – Chancenkarte

Opportunity Card

Minimum income€1,091/monthChecked onsource

  • 6 points, unless already a recognised skilled worker
  • Foreign qualification of at least 2 years
  • A1 German or B2 English
  • €1,091 a month proof of means (2026)
Reasons for refusal

§ 21 self-employment

  • Business with economic interest or regional need
  • Secured financing
  • Retirement provision if over 45

Blocked account

Proof of means is usually shown with a blocked account of €13,092 for 12 months.

Who this is not for

  • Unqualified job seekers

Where files usually break

Points counted wrongly and proof of means short of the 2026 figure.

Cost

Cost

Our fee from the package; German state fees are not in our reference.

Who appliesOur fee fromGovernment feeTotal
Single applicant€1,200Not publishedNot publishedGerman state fees for these permits are not published in our reference.
Couple€1,200Not publishedNot publishedGerman state fees for these permits are not published in our reference.
Couple with two children€1,200Not publishedNot publishedGerman state fees for these permits are not published in our reference.
Who appliesOur fee fromGovernment feeTotal
Single applicantNot publishedNot publishedNot publishedGerman state fees for these permits are not published in our reference.
CoupleNot publishedNot publishedNot publishedGerman state fees for these permits are not published in our reference.
Couple with two childrenNot publishedNot publishedNot publishedGerman state fees for these permits are not published in our reference.

Follow-up permit:1 yearChecked on

Government fees are paid separately at cost and are listed below with their source.

The blocked account is your own money, not a fee.

Proof of means is required; there is no fixed investment for § 21.Conditions

Coming to Germany without a contract?

Indicative prices; the final quote depends on your case. We usually reply within one business day.

From €1,20010–30 working days

Check your eligibility

Process

From points check to permit

Four steps.

  1. 01We

    Route and points check

    We score the Opportunity Card points or review the § 21 case.

    Written route note

  2. 02You

    Proof of means

    You open the blocked account or show financing.

    Proof of means

  3. 03We

    Visa application

    We prepare the national visa application.

    Filed application

  4. 04Authority

    Decision

    The German mission decides.

    Visa, then residence permit

    What you receive

    • Route note
    • Filed application
    • Visa
Our part
10–30 working days
AuthorityGerman mission abroad and the local immigration office
Not published

After arrival

  • Register your address.
  • On the card, switch to a work permit once you find qualified work.

Check your eligibilityDocuments

Refusals

Why these applications are refused

Three grounds.

Checked on

Reason for refusalWhat closes itLegal basis
Fewer than 6 pointsWe score the points before filing.Not published
Proof of means below the 2026 figureWe check the blocked account amount.€1,091/monthChecked onChancenkarte – Informationen der Deutschen Vertretung Taipei
§ 21 business case not convincingWe review financing and the plan before filing.Not published

After the permit

  • The card allows only part-time work up to 20 hours a week.

Long term

From residence permit to settlement

Settlement is possible after 3 years on a successful § 21 business.

  1. Permit validity1 yearChecked onsource
  2. Years to permanent residence5 yearsChecked onsource
  3. Years to citizenship5 yearsChecked onsource
  • § 21: 3 years, business successful, income secured
  • Opportunity Card: move to a work permit first
Residence Act:StAG § 10 – Einbürgerung

Changes

Dated changes in Germany

Updated

Opportunity Card (Chancenkarte, § 20a AufenthG) – job searchOpen

DateWhat changedApplies toSource
ReformEU Blue Card salary thresholds 2026: EUR 50,700 standard, EUR 45,934.20 reduced.Whole countryBundesagentur für Arbeit
TransitionEnd of the German MiCA transitional period for existing crypto service providers.Whole countryBundesministerium der Justiz (gesetze-im-internet.de)
Closure3-year fast-track naturalisation abolished; minimum 5 years residence for all applicants.Whole countryBundesministerium der Justiz (gesetze-im-internet.de)
ReformTax investment programme (StInvSofortPG) in force: 30% degressive depreciation for 2025–2027 acquisitions; corporate tax to fall 1 point a year from 15% (2027) to 10% (2032).Whole countryBundesministerium der Justiz (gesetze-im-internet.de)
ReformKleinunternehmer VAT exemption reformed: EUR 25,000 prior-year / EUR 100,000 current-year turnover limits.Whole countryBundesministerium der Justiz (gesetze-im-internet.de)
ReformMiCA CASP regime applies; KMAG companion law in force; BaFin is the competent authority.Whole countryBundesministerium der Justiz (gesetze-im-internet.de)
ReformCitizenship modernisation act in force: naturalisation after 5 years instead of 8, dual citizenship allowed.Whole countryBundesverwaltungsamt
ReformOpportunity Card (Chancenkarte) introduced: points-based job-search permit for up to 1 year.Whole countryAuswärtiges Amt
ReformSkilled Immigration Act stage 1: EU Blue Card moved to § 18g AufenthG with lower salary thresholds and easier conditions.Whole countryAuswärtiges Amt

Check your eligibilityHow often we check changes

Documents

Documents for the Opportunity Card

Five documents.

Checked on

DocumentWho issues itApostilleTranslationWho prepares
Applicant
Valid passportCountry of citizenshipNoNoYou provide
Qualification certificateUniversity or training bodyNoYesYou provide
German A1 or English B2 certificateTest providerNoNoYou provide
Blocked account confirmationBankNoNoYou provide
Visa application and points sheetPrepared from your documentsNoNoWe prepare

Send us your qualification; we reply with your points.Get a quote

Request

Check your German residence route

Qualification, languages and savings are enough for a first answer.

We use your details only to answer this request.

We usually reply within one business day.

Legal disclaimer

The information on this site is general and is not legal advice for your specific situation.

Legal disclaimer

Questions

Germany residence permit: short answers

From the Residence Act as in force on our check date.

Rules

How much money do I need for the Opportunity Card?

€1,091 a month in 2026, €13,092 for 12 months, usually in a blocked account.

Can I work on the Opportunity Card?

Part-time up to 20 hours a week, plus trial work of up to 2 weeks per employer.

Does Germany have a golden visa or digital nomad visa?

No. Founders and freelancers use the § 21 permit.

Sources

Where the figures come from

German law and government pages behind this page.

2Sources
SourcePublisherTypeChecked on
Laws and regulations
AufenthG § 20a – ChancenkarteBundesministerium der Justiz (gesetze-im-internet.de)Laws and regulationsChecked on
Government sites
Chancenkarte – Informationen der Deutschen Vertretung TaipeiAuswärtiges AmtGovernment sitesChecked on
Editorial policy
Germany residence permit without a job: Opportunity Card and § 21 | Clearfile