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3 Comments
ZVK-Bau: Zusatzversorgungskasse des Baugewerbes.
St-frei: Steuerfrei
So you’re paying some fees to a builders pension fund, but this is tax free, so no VAT or anything on that.
Why are you paying that? No idea. Are you by any chance working in construction?
ZVK-Bau is the Zusatzversorgungskasse des Baugewerbes. It’s a pension system for people working in the construction industry.
St frei means “Steuerfrei”, tax-free
ZVK Bau is an additional pension insurance that your employer seems to pay into for you. I don’t know if you can choose to pay into it or if you (or your employer) have to pay into it. Anyways: You don’t have to pay taxes on the money your employer pays into that pension scheme, although later on you may benefit from it (you will need to pay taxes on the pension then, so it is not taxed now). This says probably that your employer paid 45,10 Euro into the pension fund this month, and it is st-frei which stands for steuerfrei or non-taxed.
Usually you only get a pension from pension insurances like that if you or your employer paid into it for at least 5 years by the time you retire.