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Change the default rules, but only at a notary

A German marriage contract (Ehevertrag) can replace the default rules on property, pension rights and maintenance — if a notary records it with both of you present, and within limits that courts check. What it changes, what it costs and which law applies to international couples.
Written by
Janine El-Saghir
Reviewed by
Erkan Boga
Edited by
Sadie Voss

Prenuptial agreements: at a glance
  • Without a contract: each spouse keeps their own property. If the marriage ends in divorce, whoever gained more during the marriage pays the other half of the difference.
  • What you can change: the property regime (for example, separation of property), the sharing of pension rights and maintenance after a divorce.
  • The limits: courts check whether the contract is fair — once for the day you signed and again when the marriage ends. Maintenance for a parent caring for a child is the hardest part to waive.
  • Form: a notary records the contract while both of you are present at the same time. A contract you sign at home is void.
  • Fee: set by law and the same at every notary. For €155,000 in combined net assets, it comes to €866.32 including VAT.
  • International couples: EU rules decide which country’s property law applies. You can choose the law of the country where one of you lives or whose citizen one of you is.

What happens if you sign nothing

Couples who marry in Germany without a contract live in the default property regime, the community of accrued gains (Zugewinngemeinschaft). The name is misleading. Nothing becomes joint property: your savings, your car and your apartment remain yours, and so does everything you buy in your own name during the marriage.1 The sharing comes only at the end.

On divorce: for each spouse, the court compares the net assets at the start of the marriage with the net assets on the day the divorce application was served. The increase is that spouse’s accrued gain. An inheritance or a gift received during the marriage counts toward the starting assets, so it is not shared — but any growth in its value is.2 The spouse with the larger gain pays the other half of the difference, in money.3

How the equalization of accrued gains works: an example
Spouse A Spouse B
Net assets on the wedding day €10,000 €20,000
Net assets when the divorce application is served €90,000 €40,000
Accrued gain €80,000 €20,000
Difference €60,000
Equalization claim A pays B €30,000 (half of the difference)
Simplified example; figures are illustrative. Debts reduce the net assets.

On death: if one spouse dies, the gains are not calculated. Instead, the surviving spouse’s statutory share of the estate rises by one quarter, whether or not there was any gain.4

During the marriage: a spouse who wants to sell or give away all or nearly all of their assets needs the other spouse’s consent.5 This rule matters most for people whose business is their main asset.

What a prenup can regulate

A marriage contract (Ehevertrag) lets the two of you replace or adjust the default rules.6 The common choices:

Options in a German marriage contract (as of October 2026)
Option What it does Typical reason
Separation of property (Gütertrennung) No sharing of gains on divorce; no consent rule for selling all your assets; no flat quarter on death Two high earners, a business owner, a second marriage
Modified community of accrued gains Keeps the default regime but changes parts of it — for example, leaves a company or a property out, or shares gains only on death Protect a business while keeping the inheritance advantage
Community of property (Gütergemeinschaft) Most assets become joint property Joint ownership is wanted; land register entries must be updated
Franco-German optional regime A shared regime of France and Germany, similar to the German default Couples with ties to both countries
Pension rights adjustment (Versorgungsausgleich) Excludes or limits the splitting of pension rights earned during the marriage Both spouses build their own pensions
Maintenance after divorce Limits, caps or excludes maintenance claims Planned two-income marriage without children
Sources: German Civil Code and Pension Rights Adjustment Act; European e-Justice Portal, Germany, matrimonial property regimes (last update 4 November 2024).

Separation of property is what you get when you simply exclude the default regime.7 Each of you keeps what you earn, and there is nothing to equalize when the marriage ends.8 On death, the flat extra quarter falls away and the general inheritance rules apply.8

A modified community of accrued gains keeps the default regime but changes parts of it: the law lets spouses make arrangements other than the statutory ones within a property regime.8 A clause can, for example, keep a business, a rental property or an expected inheritance out of the calculation.

Community of property pools most assets as joint property managed together.9 A Franco-German optional regime exists for couples with ties to both countries.10

Pension rights: without a contract, the pension rights each spouse earned during the marriage are split in half on divorce (more in getting divorced in Germany). A contract can exclude or limit this.11 Maintenance: agreements on maintenance after a divorce are allowed, and before the divorce is final they also need a notary.12

Where courts draw the line

A marriage contract is not a free-for-all. Germany’s Federal Court of Justice set out the test in 2004 and confirmed it as recently as May 2025.13

  1. At signing: the court asks whether the contract was clearly one-sided from the start, looking at incomes, assets, the planned model of the marriage and its effects on children. If it was, the clause or the whole contract is void and the statutory rules apply instead. A one-sided contract alone is usually not enough, though: the court also looks for signs that one partner was in a weaker position when signing — under pressure, financially or socially dependent, or clearly less able to judge the terms.13
  2. At the end: if the contract survives the first test, the court asks whether relying on it is unfair now — typically because life turned out differently from the plan, for example after one spouse gave up work to raise children. The court can then adjust the consequences.

The court also ranked what can be waived. Maintenance for a parent who cares for a child is at the core and is hardest to exclude. Maintenance for illness or old age and the splitting of pension rights come next. The sharing of accrued gains is the most open to contract.13 For pension agreements, the law itself requires that they pass this fairness check.11

So a separation of property between two spouses who both work is the least likely to be struck down. A waiver of maintenance for a parent caring for a child is the most likely. The circumstances of signing count too: the court quoted the Federal Constitutional Court, which named an unmarried pregnant woman pressed into a one-sided contract as a typical case of unequal bargaining power.13

Form: notary, both present

The contract must be recorded by a German notary while both of you are present at the same time.14 You cannot sign separately, by mail or in writing alone. Preparing the draft is part of the notary’s work and is covered by the notary’s fee. Ask for the draft in advance so you can read it and raise questions before the appointment.

If you don’t speak German well: deeds are drawn up in German. A notary who speaks your language well enough can draw up the deed in another language on request. Otherwise, the deed must be translated for you at the appointment — by the notary or by an interpreter — and you can ask for a written translation.15 Say so when you book.

Same-sex couples follow exactly the same rules (see same-sex marriage in Germany).

What a notary charges

German notary fees are set by law. A notary may not agree to a different fee, so the same contract costs the same everywhere.16 The fee depends on the value of the contract: the present assets of both spouses combined, minus each spouse’s debts. Debts are deducted only up to half of the asset value.17 If the contract concerns only certain assets, such as a company, only their value counts.17

For a marriage contract, the notary charges twice the base fee from the official fee table, at least €120.18 Expenses and VAT come on top.1819

Notary fee for a marriage contract: worked example (fee schedule as of 25 October 2026)
Step Input or rule Amount
Spouse A’s net assets €120,000 in savings and funds, no debts €120,000
Spouse B’s net assets €45,000 in savings minus a €10,000 student loan (less than half the assets, so fully deductible) €35,000
Value of the contract Sum of both €155,000
Base fee Official fee table for notaries at a value of up to €155,000 €354.00
Notarization fee 2.0 × base fee €708.00
Postage and telecom flat rate 20% of the fees, at most €20 €20.00
VAT 19% of €728.00 €138.32
Total €866.32
Source: Court and Notary Fees Act, fee table B and fee schedule, retrieved 25 October 2026. Copies are charged separately.

If the same deed also includes a choice of law, it counts as a separate item valued at 30% of the property value, which raises the fee.20 A lawyer of your own, if you want independent advice on the draft, is not part of the notary fee.

International couples: which country’s law applies

The German default regime only applies if German law governs your property. For international couples, that is decided by an EU regulation used in 18 EU countries, including Germany.21

Without a choice, the law of the first country where both of you had your habitual residence after the wedding applies. If there is none, the law of your common nationality applies, and failing that, the law of the country with which you are most closely connected.22 A couple living in Munich who marry there are under German law, whatever their passports say. A couple who married while both lived in Canada, and moved to Germany later, may still be under Canadian property law — the rules also point to the law of countries outside the EU.22

With a choice, you can pick the law of the country where one of you lives or the law of a country whose citizen one of you is.23 A change made during the marriage applies only for the future, unless you agree otherwise.23 The choice must be in writing, dated and signed by both of you, plus any extra formalities of the country where you live. If you both live in Germany, that means a notary.24

Older marriages: these EU rules cover couples who married on or after 29 January 2019, or who chose a law after that date. For earlier marriages, Germany’s previous rules still decide.25 A notary can tell you which law applies to you before you draft anything else.

Before or after the wedding

You can sign a marriage contract before the wedding and at any time during the marriage.6 A contract signed before the wedding takes effect with the marriage. During the marriage, a switch to separation of property ends the default regime; the gains made until then are equalized like on a divorce, unless the contract settles them differently.26

Once divorce proceedings are under way, an agreement on the accrued gains still needs a notary or a settlement recorded in court.27 Give yourselves time: because courts look at how the contract came about, a deal pushed through days before the wedding is easier to attack than one negotiated calmly.13

Planning the wedding itself? See getting married in Germany, or married abroad if you married outside Germany.

General information, not legal advice: for a contract that fits your situation, talk to a notary or a family lawyer.

Part of getting married in Germany. Before the wedding: registry office wedding · certificate of no impediment · same-sex marriage. Next: after-the-wedding checklist. See also: divorce.

Frequently Asked Questions

Not for ownership. Under the default regime, what each of you owns stays yours, including what you buy during the marriage. A prenup matters for what happens when the marriage ends: without one, the spouse whose net assets grew more pays the other half of the difference on divorce.

The notary fee is set by law and depends on your combined net assets. For €155,000, it is €708 plus a €20 flat rate for postage and 19% VAT — €866.32 in total, with copies extra. Every notary charges the same for the same contract.

Yes. A marriage contract can be signed before the wedding or at any time during the marriage, always at a notary with both of you present. If you switch away from the default regime during the marriage, the gains made until then are equalized unless the contract settles them differently.

Not reliably. Courts check whether a marriage contract is fair, both when it is signed and when the marriage ends. Maintenance for a parent caring for a child is the hardest to exclude; maintenance for illness or old age and the sharing of pension rights come next. The sharing of accrued gains is the easiest to change.

It can be. Under the EU rules, the contract must be in writing, dated and signed by both of you, and meet any extra formal rules of the EU country where you lived and of the law that governs your property. Whether its content holds up depends on that law. Before relying on it, have a German notary or lawyer check it.

Yes. If one of you doesn’t understand German well enough, the notary must have the deed translated for you at the appointment, either personally or through an interpreter, and you can ask for a written translation. A notary who speaks your language can also draw up the deed in that language on request.

Sources and legal basis (as of 25 October 2026)

Sources and legal basis (as of 25 October 2026)

  1. German Civil Code (BGB), § 1363: community of accrued gains as the default regime; each spouse’s assets remain their own.
  2. German Civil Code (BGB), § 1373, § 1374 and § 1384: accrued gain, starting assets including inheritances and gifts, reference date on divorce.
  3. German Civil Code (BGB), § 1378 (1) and (2): half of the difference, limited to the net assets that remain.
  4. German Civil Code (BGB), § 1371 (1): one extra quarter of the estate on death.
  5. German Civil Code (BGB), § 1365: consent to dispose of one’s assets as a whole.
  6. German Civil Code (BGB), § 1408: marriage contract, also after the wedding; agreements on pension rights.
  7. German Civil Code (BGB), § 1414: separation of property when the default regime is excluded.
  8. European e-Justice Portal, Germany: matrimonial property regimes (last update 4 November 2024): separation of property, arrangements within a regime, void contracts, effects on death, land register.
  9. German Civil Code (BGB), § 1415: community of property.
  10. German Civil Code (BGB), § 1519: Franco-German optional community of accrued gains (agreement of 4 February 2010).
  11. Pension Rights Adjustment Act (VersAusglG), § 6, § 7 and § 8: agreements on pension rights, notarial form, fairness review.
  12. German Civil Code (BGB), § 1585c: agreements on maintenance after divorce; notarial form before the divorce is final.
  13. Federal Court of Justice, judgment of 11 February 2004, XII ZR 265/02 (in German): two-step review of marriage contracts, ranking of divorce consequences, reference to the Federal Constitutional Court’s decision of 6 February 2001. Confirmed by the same court, decision of 28 May 2025, XII ZB 395/24 (in German): overall assessment at signing, weaker bargaining position, review at divorce.
  14. German Civil Code (BGB), § 1410: notarial recording with both spouses present at the same time.
  15. Notarization Act (BeurkG), § 5 (language of the deed) and § 16 (translation, interpreter).
  16. Court and Notary Fees Act (GNotKG), § 125: fee agreements are void.
  17. Court and Notary Fees Act (GNotKG), § 100: value of a marriage contract.
  18. Court and Notary Fees Act (GNotKG), § 34 and Annex 2 (fee table B: €354 at a value up to €155,000); Annex 1, preliminary note 2.1 and no. 21100 (2.0 fee, at least €120), no. 32005 (flat rate, 20% of fees, at most €20) and no. 32014 (VAT); retrieved 25 October 2026.
  19. VAT Act (UStG), § 12 (1): standard rate of 19%.
  20. Court and Notary Fees Act (GNotKG), § 104 (1) and § 111 no. 4: choice of law valued at 30%, always a separate item.
  21. Council Regulation (EU) 2016/1103 on matrimonial property regimes (EUR-Lex), Art. 70; European e-Justice Portal, matrimonial property regimes (last update 9 July 2024): the rules apply in 18 EU countries, including Germany.
  22. Council Regulation (EU) 2016/1103 on matrimonial property regimes (EUR-Lex), Art. 20 (universal application) and Art. 26 (law without a choice).
  23. Council Regulation (EU) 2016/1103 on matrimonial property regimes (EUR-Lex), Art. 22: choice of law and its effect for the future.
  24. Council Regulation (EU) 2016/1103 on matrimonial property regimes (EUR-Lex), Art. 23 and Art. 25, with German Civil Code (BGB), § 1410: form of the choice of law and of the contract.
  25. Council Regulation (EU) 2016/1103 on matrimonial property regimes (EUR-Lex), Art. 69 (3); Introductory Act to the German Civil Code (EGBGB), Art. 229 § 47: marriages before 29 January 2019.
  26. German Civil Code (BGB), § 1372: equalization when the regime ends other than by death.
  27. German Civil Code (BGB), § 1378 (3): agreements during divorce proceedings.
About the authors
Janine El-Saghir Janine El Saghir is an editor at How-to-Germany.com, where she specializes in the practical aspects of daily life and integration for expatriates. With years of...
Erkan Boga Erkan Boga is the founder and CEO of qmedia GmbH, the publishing house behind How-to-Germany.com. He established the platform with the clear vision of creating... Read more
Sadie Voss Content Lead & Editor Sadie Voss is the Lead Editor for How-to-Germany.com. As an expat who carved her own way into Berlin from the United States, Sadie is deeply... Read more