If you are planning to study in Germany as an international student, you will encounter several important steps in your visa application process. One of the most crucial among these is proving that you have enough financial means to support yourself during your stay. This is where the blocked account, or Sperrkonto, comes into play.
In this comprehensive guide, we will explain what a blocked account is, why it is required, how it works, how to open one, and tips to ensure your account setup goes smoothly. Whether you are just starting your research or are ready to apply, this blog will give you all the essential information you need to understand and navigate the blocked account process confidently.
What is a blocked account?
A blocked account is a special kind of bank account specifically designed for international students and visa applicants who want to study in Germany. The main purpose of this account is to act as proof of financial resources — a mandatory requirement by the German government to ensure that students can cover their living expenses without financial hardship or reliance on external aid.
The term “blocked” means that the money deposited in this account is frozen or restricted. Unlike a normal bank account, you cannot withdraw the full amount at once. Instead, you are allowed to withdraw only a fixed monthly amount that corresponds to the estimated living costs in Germany. For 2025, this amount is set at €992 per month, totaling approximately €11,904 per year.
This controlled withdrawal mechanism is designed to guarantee a steady income stream throughout your stay and prevent you from exhausting your funds too quickly.
Why is a blocked account required for the German student visa?
The German authorities require all international students applying for a student visa or residence permit to provide evidence that they have sufficient funds to support themselves during their studies. This is essential to:
- Ensure you can cover housing, food, health insurance, transportation, and study materials without financial stress.
- Prevent students from working illegally or relying on social welfare.
- Facilitate a smooth transition to living independently in a new country.
By mandating a blocked account, the government can verify the availability of funds in a transparent and reliable way. This reduces the chances of visa rejections based on insufficient finances and helps maintain the integrity of the visa system.
How does a blocked account work?
The working principle of a blocked account is quite straightforward:
- Deposit the full amount upfront:
Before you apply for your visa, you must transfer the required sum (currently €11,904) to the blocked account. This money is locked and cannot be withdrawn all at once. - Receive confirmation:
The bank issues an official confirmation letter verifying your deposit. This letter is a mandatory document when submitting your visa application at the German embassy or consulate. - Limited monthly withdrawals:
Once you arrive in Germany, you can access the account and withdraw a fixed monthly amount—up to €992. Withdrawals above this amount are generally not permitted. - Valid for one year:
The blocked account typically covers one year of your stay. You may need to top up or renew the account for longer courses or stays.
This setup ensures that you have guaranteed, steady funding throughout your first year in Germany.
How to open a blocked account?
Opening a blocked account is a step-by-step process that can be done conveniently online. Here’s a detailed guide on how to open one:
Step 1: Choose a blocked account provider
Several banks and financial service providers offer blocked accounts designed specifically for international students. The most popular and widely accepted providers include:
- Fintiba: Known for easy online applications and quick processing.
- Expatrio: Offers bundled services including health insurance and mobile SIM cards.
- Coracle: A newer provider with competitive fees and no setup charges.
- Deutsche Bank: The traditional option, though the application process can be slower and more complex.
When choosing a provider, consider factors such as:
- Application and monthly fees
- Customer service quality
- Processing time
- Additional services offered
Step 2: Complete the application online
Most providers have fully digital application processes. You will need to:
- Fill in personal details (name, address, nationality, etc.)
- Upload scanned copies of your passport and sometimes university admission letter
- Provide your contact information and emergency contacts
Some providers might ask for proof of university enrollment, while others allow you to apply before receiving the admission letter.
Step 3: Receive account details and transfer funds
After your application is approved, you will receive the bank details for your blocked account. You then need to:
- Transfer the required amount (€11,904) from your home country’s bank to the blocked account.
- Use secure and traceable transfer methods to avoid delays or issues.
Depending on your country and bank, international transfers can take anywhere from a few days to a couple of weeks.
Step 4: Obtain the confirmation letter
Once your funds are successfully deposited, your blocked account provider will issue an official confirmation letter. This letter certifies the amount deposited and confirms that the account is blocked as per German immigration requirements.
This document is mandatory for your visa application and must be submitted to the German embassy or consulate.
Step 5: Access your funds upon arrival in Germany
Once you arrive in Germany, you need to:
- Activate your blocked account, usually by submitting proof of your arrival and university enrollment to the bank.
- Set up online banking and/or debit cards to withdraw your monthly allowance.
- Withdraw the allowed monthly amount (€992) to cover your living expenses.
How much does it cost to open and maintain a blocked account?
While the blocked account is mainly about securing the required funds, there are some fees involved:
- Setup fees: Usually between €50 and €100 depending on the provider.
- Monthly maintenance fees: Vary from €5 to €10 per month.
- Additional services: Some providers charge extra for bundled insurance or mobile SIM cards.
Make sure to review the fee structure before choosing a provider to avoid surprises.
What are the advantages of a blocked account?
- Visa approval: It fulfills the financial proof requirement, making your visa process smoother.
- Financial security: Guarantees that you have access to a steady income during your studies.
- Budget management: Limits impulsive overspending by restricting monthly withdrawals.
- Widely accepted: Recognized and accepted by all German embassies and consulates worldwide.
Are there alternatives to a blocked account?
While the blocked account is the most common method, certain alternatives exist depending on your situation:
- Scholarship proof: If you have a scholarship that covers your living expenses, official scholarship award letters can serve as proof of funds.
- Declaration of commitment (Verpflichtungserklärung): A German resident (usually a family member or sponsor) provides a legally binding promise to cover your costs.
- Bank guarantee or other financial proof: Some embassies accept bank statements, income certificates from parents, or other financial documents.
Always check with the specific German embassy or consulate as requirements and accepted proofs can vary.
Tips for opening a blocked account smoothly
- Start early: Blocked accounts can take a few weeks to process, and international transfers add time. Begin at least 2-3 months before your visa appointment.
- Choose a reliable provider: Read reviews and ask fellow students for recommendations. Customer support responsiveness is important if issues arise.
- Keep copies of all documents: Confirmation letters, transfer receipts, and correspondence may be required at various stages.
- Stay updated: Financial requirements may change, so regularly check official sources like the German Federal Foreign Office or DAAD websites.
- Prepare for fees: Include the blocked account fees in your budget planning.
Common questions about blocked accounts
Q: Can I deposit more than the required amount?
Yes, you can deposit more money into the blocked account. However, you can only withdraw up to the monthly limit. Excess funds remain blocked unless you apply for changes with the bank.
Q: What if my course lasts more than one year?
You may need to top up your blocked account for the second year or show additional financial proof.
Q: Can I use other accounts as proof?
Some embassies accept different proof forms, but the blocked account is the safest and most widely accepted.
Q: How do I withdraw money from a blocked account?
You usually receive a debit card or online banking access to transfer monthly funds to your personal bank account.
Conclusion
Opening a blocked account is a critical step for any international student planning to study in Germany. It not only satisfies the visa requirement for financial proof but also provides a secure way to manage your funds and budget your living expenses during your studies.
While the process may seem complicated at first, understanding each step, choosing the right provider, and starting early will ensure a smooth experience.
By following this guide, you will be well-prepared to open your blocked account, submit your visa application confidently, and focus on your academic journey in Germany.
If you found this guide helpful and want me to cover related topics like “How to choose the best blocked account provider,” “Scholarship alternatives to blocked accounts,” or “Detailed visa application checklist,” just let me know!