Getting a mortgage in Hong Kong as a UK buyer
Read our essential guide to getting a mortgage in Hong Kong as a UK buyer, including eligibility, documents needed, fees and interest rates.
If you are a UK national thinking about building a career in Germany, the EU Blue Card is one of the main ways to live and work there in a highly skilled role.
It is especially popular with academic professionals and experienced specialists in areas like engineering, IT, and healthcare.
This guide explains how the EU Blue Card Germany works, who is eligible (including IT specialists without a degree), what salary thresholds apply in 2026, and how to apply step by step.
And if you’re looking to relocate to Germany, learn how the Wise account can save you money on your sending abroad.
At the EU level, the EU Blue Card is a combined work-and-residence permit for highly qualified non-EU/EEA nationals. It allows you to live and work in a specific EU Member State, gives you a path towards long-term residence, and offers improved mobility rights within the EU over time.
Germany has become the main user of the EU Blue Card scheme and treats it as a primary route for academic professionals and other highly skilled workers. To qualify, you generally need:1
With an EU Blue Card in Germany, you can work for the sponsoring employer, bring close family members under favourable rules, and later move towards permanent residence.
Germany follows the EU-wide rules but adds its own details on qualifications, salary and special options for IT professionals. Your job offer must normally be in a highly qualified role that matches your degree or professional experience and offers a minimum duration of six months (in line with the revised EU directive)2.
In practice, many German EU Blue Cards are issued for longer jobs, and the residence title is granted for the contract duration plus three months, up to a maximum of four years initially.
The standard route into the Germany EU Blue Card is through a recognised university degree. You must either hold a German university degree or a foreign degree that is recognised as equivalent or comparable to a German degree, usually shown via the Anabin database or a ZAB Statement of Comparability.
If your degree is from outside Germany (for example, from a UK university), you often need to show that it matches a German qualification level. The ZAB (Central Office for Foreign Education) issues Statements of Comparability, commonly used in EU Blue Card applications3.
Germany also offers an important IT specialist exception. Certain IT professionals can qualify for the EU Blue Card without a formal degree if they can prove at least three years of relevant professional experience in the last seven years, and meet the salary threshold2.
This makes the EU Blue Card Germany particularly attractive for experienced developers, system administrators and other IT specialists who have built their careers through work, not academic study.
Salary is a key element of the EU Blue Card Germany eligibility. Each year, the German government updates minimum salary levels based on national reference figures. The new thresholds took effect on 1st January 2026.
For general occupations, the nationwide salary threshold for the EU Blue Card in Germany is €50,700 gross per year2.
This represents an increase compared to 2025, reflecting wage growth and updated pension-insurance ceilings. Offers that just met last year's threshold may no longer be sufficient in 2026, so both employers and candidates need to double-check the latest figures when planning an application.
Germany also publishes a reduced salary threshold for certain shortage occupations, sometimes called the "small Blue Card." This lower threshold applies to roles in healthcare and STEM/MINT fields (mathematics, IT, natural sciences, engineering).
For 2026, the reduced threshold for shortage occupations is €45,934.20 gross per year. In practice, this lower "shortage" salary level is what allows certain IT specialists, including some without degrees who rely on three-plus years of experience, and younger professionals in high-demand fields, to obtain the EU Blue Card in Germany on more accessible terms, provided all other conditions are met2.
Although details can vary slightly by embassy and local foreigners' office (Ausländerbehörde), most UK applicants follow a similar path: apply for a national visa (Type D) from abroad, then obtain the physical EU Blue Card after arriving in Germany.
If you live in the UK (and do not already have a residence title for Germany), you usually start with a Blue Card (EU) national visa application at the German embassy or consulate.
The Federal Foreign Office provides checklists specifically for the EU Blue Card, showing which documents to prepare and how the minimum salary must be met4.
You will book an appointment, submit your documents and biometrics, and wait for a decision. Once your visa is issued, you travel to Germany and, after arrival, apply for the actual EU Blue Card residence permit at the local foreigners' Authority.
The exact list can differ slightly by mission, but a typical document checklist for an EU Blue Card in Germany includes:4
For foreign degrees, you may need certified translations and possibly legalisation/apostille. Statements of Comparability for EU Blue Card or fast-track skilled worker cases are prioritised but can still take several weeks if documents are incomplete.
There are two main cost components5:
Local offices may also charge for biometric capture or extra services. These amounts can change, so always check the latest fee schedule from the embassy or foreigners' authority before applying.
EU law caps the maximum processing time for an EU Blue Card at 90 days from the date of complete application1.
In practice, German missions often aim to decide Blue Card visa applications within a few weeks, though times can vary depending on workload, background checks and whether the Federal Employment Agency or ZAB need extra information.
After you arrive in Germany, the local foreigners' office processes your residence permit application. Combined visa and permit timelines can therefore stretch over several weeks or months, so it is sensible to plan around your intended start date and avoid last-minute applications.
Overall, the key to a smoother process is to secure a compliant job offer (including salary), gather recognition evidence for your degree or experience, and submit a complete file at the outset.
Holders of an EU Blue Card in Germany benefit from EU-wide rules on mobility and family rights.
After 12 months of legal residence on a Blue Card in one Member State, you can usually move to another country in the EU and apply for an EU Blue Card there under facilitated rules, rather than starting from scratch6.
Family members also enjoy relatively attractive conditions compared with many national work visas.
In general, spouses and minor children can join the Blue Card holder under simplified family reunification procedures. Spouses receive immediate access to the labour market and do not need to prove language skills to obtain their residence card6.
This is particularly relevant for UK families moving to Germany as one partner can enter on the Germany EU Blue Card, while the other gains full work rights quickly, without having to pass German language tests upfront.
In Germany, the EU Blue Card is usually issued for the duration of your employment contract plus three months, up to a maximum of four years initially1.
If your contract is extended, or you change employers (within the rules), you can renew the card as long as you continue to meet the conditions, including salary thresholds and skilled employment2.
The path to permanent residency is one of the biggest advantages of the EU Blue Card Germany. With basic German language skills at the A1 level, you can typically apply for a settlement permit after 33 months of qualifying employment and pension contributions. With higher language skills at the B1 level, this can be reduced to 21 months2.
Time spent on Blue Cards in different EU countries can also count towards EU-wide long-term resident status, offering further flexibility if you later move within the EU6.
For UK nationals planning a long-term life in Germany, the EU Blue Card is therefore not just a work visa but a structured route towards stable permanent residence.
Relocating from the UK to Germany on an EU Blue Card means dealing with costs in at least two currencies: pounds for your existing commitments, and euros for your new life.
You may need to pay rental deposits, initial living expenses, language courses or relocation services in EUR before your first German salary arrives, all while still managing bills or family support back in GBP.
Traditional banks and some providers charge hidden exchange-rate markups along with international fees when you send money from the UK or spend abroad, which can add up quickly. Every conversion from GBP to EUR (and back again) can involve fees and FX mark-ups if you rely solely on traditional banks.
A Wise account and a Wise card can help make this financial side of your move smoother. By holding 40+ currencies in one place and converting at the mid-market exchange rate with transparent fees*, you can send money to your new German bank account, pay landlords or agencies and spend in euros with your Wise card when you arrive.
Once you are settled and earning in Germany, you can keep using Wise to move money back to the UK, split expenses with family or housemates, and manage day-to-day life across two countries with more clarity and control over your exchange rates and fees.
Sources used:
1. European Commission – EU Blue card in Germany information
2. Make it in Germany – eligibility
3. Make it in Germany – evaluation of foreign academic qualifications
4. Federal Foreign Office – documents checklist for EU Blue Card Visa
5. IBM Immigration Solutions – applying for a German EU Blue Card
6. Centuro Global – mobility and family reunification
Sources last checked on date: 14 January 2026
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
Read our essential guide to getting a mortgage in Hong Kong as a UK buyer, including eligibility, documents needed, fees and interest rates.
Read our essential guide to getting a mortgage in Canada as a UK buyer, including eligibility, documents needed, fees and interest rates.
Read our essential guide to getting a mortgage in Germany as a UK buyer, including eligibility, documents needed, fees and interest rates.
Read our essential guide to getting a mortgage in Cyprus as a UK buyer, including eligibility, documents needed, fees and interest rates.
Read our essential guide to getting a mortgage in Greece as a UK buyer, including eligibility, documents needed, fees and interest rates.
Read our essential guide to getting a mortgage in Portugal as a UK buyer, including eligibility, documents needed, fees and interest rates.