How to claim a prize
How you claim depends on the amount:
Smaller prizes — collect in cash at any lottery retail outlet, or have them credited to your online account if you played online.
Large prizes and jackpots — are handled directly by your regional state lottery company, which arranges a bank transfer and can offer discreet, confidential support to major winners.
One important detail: German lottery prizes must be claimed by the end of the third calendar year after the draw (for example, a prize won in 2026 must be claimed by 31 December 2029). Keep your ticket or receipt safe, as with anonymous over-the-counter tickets, it is effectively the only proof of your win.
Taxes on winnings
Good news for players: German Lotto winnings are tax-free. Lottery prizes are not treated as taxable income in Germany, so you receive the full amount you win as a lump sum.
As always, what you do with the money can have tax consequences: interest, dividends or other investment income earned on your winnings is subject to Germany’s flat capital-gains tax, and large gifts to family or friends can trigger gift tax. Professional advice is wise for a major win.
Can you stay anonymous?
Yes. Germany is one of the strongest places in the world for lottery privacy. Winners can remain completely anonymous, and because standard tickets can be purchased over the counter without registering any personal details, many winners are unknown even to the lottery itself. State lottery companies will not publish a winner’s identity without consent.
The trade-off is the one seen above: with a fully anonymous paper ticket, the ticket is your only link to the prize, so losing it or missing the claim deadline means the winnings can go unclaimed for good.