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Important changes for pensioners: News about pensions and real-time transfers!
From October 2025, important innovations will apply to pensioners in Germany, including real-time transfers and electronic patient files. Find out more about the key changes and their impact.
Important changes for pensioners: News about pensions and real-time transfers!
Today is October 1, 2025, a date that brings with it some important changes for many citizens in Cologne and beyond. A series of legal changes will come into force immediately, which will particularly affect pensioners. But what exactly awaits us in October?
A central issue is the payment of pensions. From this month onwards, the legal regulation that pensions are always due on the last day of the month will be observed. This year October 31st falls on a Friday, and that has special meaning for some federal states, such as northern and eastern Germany. Due to Reformation Day, the pension will be paid out on October 30th. In all other regions, pensioners can look forward to payments on October 31st. These and many other changes include the same, as loud Pension notice24 New pension laws will also come into force in October.
New regulations for transfers
Another exciting point concerns transfers in the euro area. From October 9, 2025, the real-time transfer procedure will be mandatory. This means that money transfers can be made within ten seconds, at any time of the day or night - even on public holidays. This is regulated by EU Regulation 2024/886 and occurs at no additional cost to customers. The recipient is also checked by comparing their IBAN and name, which is intended to increase the security of the transfers. So reported Federal Government.de.
These changes are not just important for pensioners. Every bank customer in the euro area will benefit from the new regulation. As of October 9, 2023, many banks started using the comprehensive real-time transfer process, which paved the way for the full introduction. Loud ZDF.de According to EU regulations, real-time transfers can now be received without higher fees, which makes payment transactions much easier.
Electronic patient records are now mandatory
Another topic that affects many people is the introduction of the electronic patient record (ePA), which is now mandatory for doctors' practices and other medical facilities. This measure is intended to simplify the exchange of findings and diagnoses between patients and doctors and drastically reduce the previous paperwork. In order to access their ePA, around 22 million pensioners need an app from their health insurance company.
The ePA will not only make data exchange easier, but also lay the foundation for modern digital networking in the healthcare system. Loud Federal Government.de The ePA is now also used in pharmacies and hospitals to optimize medical workflows.
Additional regulations in October
Aside from these significant changes, October 12th will also be marked by new regulations. On this day, the European Entry-Exit System (EES) starts at Düsseldorf Airport, which is intended to make entry and exit easier for people from non-EU countries. This could be very important for travelers to and from Germany, even if nothing changes for EU citizens overall.
The time change to winter time, which takes place on the night of October 25th to 26th, also causes excitement. The clocks go back from 3 a.m. to 2 a.m., which for many could be a welcome excuse to get an hour more sleep.
Overall, October 2025 brings with it some interesting innovations. Pensioners in particular should be happy about the new regulations in the area of pension payments and the switch to electronic patient records. In addition, bank customers in the euro area can rely on fast and inexpensive transfers from October 9th. October shouldn't leave anyone indifferent!