Introduction
If you are planning to study in Germany, you will quickly come across a unique and mandatory requirement for your student visa application: the German blocked account, or Sperrkonto.
This is one of the most critical steps in your preparation, as it serves as your proof of financial resources to the German government. While the prospect of locking away a large sum of money can seem daunting, the process is standardized and quite straightforward. Understanding what a blocked account is and how it works is essential for a successful visa application.
This guide will demystify the Sperrkonto. We’ll explain what it is, how much you need, how to open one, and what happens to your money once you arrive in Germany. This is a key component of the process we introduce in our guide on how to study in Germany for free, as it proves you can cover your living costs.
What is a German Blocked Account?
A German blocked account is a special type of bank account for non-EU international students. It is designed to prove that you have enough money to cover your living expenses for your first year in Germany. The key feature is that the money is “blocked” – you can deposit the full amount at once, but you can only withdraw a fixed, limited amount each month after you arrive in Germany.
- Purpose: To guarantee to the German authorities that you can support yourself financially.
- Who Needs It: Virtually all non-EU students applying for a German student visa.
How Much Money Do I Need in My Blocked Account?
The required amount is set by the German government and is updated periodically to reflect the current cost of living. As of 2024, the required amount is €11,208 for one year.
- Monthly Withdrawal Limit: Once you are in Germany, you will be able to withdraw €934 per month from this account. This amount is intended to cover your accommodation, food, health insurance, and other personal expenses.
- Important Note: This is the minimum amount required. If you plan to live in an expensive city like Munich or Berlin, your actual living costs may be higher.as we detail in our cost of living in Germany guide.
How to Open a German Blocked Account
You can and should open your blocked account from your home country, well in advance of your visa appointment. There are several government-approved providers that specialize in this service for international students.
Popular Blocked Account Providers:
| Provider | Key Features |
| Fintiba | Market leader, fully digital process, fast opening, often offers package deals with health insurance. |
| Expatrio | Very similar to Fintiba, also fully digital, competitive pricing, and offers value packages. |
| Coracle | Another popular digital provider, known for its user-friendly platform and package deals. |
| Deutsche Bank | The traditional option, but the process can be slower and require more paperwork. Not widely recommended anymore. |
The General Process:
- Choose a Provider: Select one of the providers like Fintiba, Expatrio, or Coracle.
- Apply Online: Fill out the online application form with your personal details.
- Transfer the Funds: The provider will give you the details to transfer the €11,208 (plus any service fees) into the account.
- Receive Confirmation: Once the money arrives, the provider will issue a “blocking confirmation” document. This is the official document you need for your visa application.
What Happens After I Arrive in Germany?
After you arrive in Germany and register your address, you will need to “activate” your blocked account to start receiving your monthly payouts.
- Open a Regular German Bank Account: You will need a standard German bank account (a Girokonto) with a local bank (e.g., Sparkasse, Commerzbank, N26).
- Activate Your Blocked Account: You will provide your new German bank account details (IBAN) to your blocked account provider. They will then start transferring your €934 monthly allowance into your regular account.
How StudySehir Can Help
Navigating the German visa requirements can be complex. At StudySehir, we provide clear and accurate guidance to ensure you are fully prepared.
We can:
- Guide You on the Latest Requirements: We keep you updated on the current blocked account amount and other visa rules.
- Recommend Trusted Providers: We can help you choose the best and most efficient blocked account provider for your needs.
- Review Your Documents: We can help ensure you have all the correct documents before your visa appointment.
Ready to take the next step in your German study abroad journey?
Contact us today for a free consultation.
