Blocked Account Germany for Students: Full Overview

Overview of Blocked Germany Account (Sperrkonto)

Germany is famous for its vibrant culture, landscapes, and high-quality education system, with tuition-free education. Before arriving here, becoming financially robust is necessary to manage living expenses, and for that, the Blocked Account Germany or Sperrkonto is here to rescue. It is a special bank account for non-EU visa applicants, such as students and job seekers. It acts as a financial security by securing the funds that are released monthly after arriving here. Many German blocked account providers are available that can help you in this. Many students choose this financial aid to study in Germany. Let’s explore all about this in detail through the following sections.

Who Needs to Open a Blocked Account in Germany?

Three categories of individuals need to have a Blocked Account Germany (Sperrkonto) to prove they have a sufficient amount to cover their living expenses for their visa and ensure they won’t rely on public funds. Here is the list of those who need these accounts in Germany.

1. Non-EU Students: Most international students from outside the EU should provide this proof for their student visa. 
2. Job Seekers: Those applying for a job seeker visa or the new opportunity card (Chancenkarte) must demonstrate they can support themselves while looking for work.  
3. Language Course Participants: Individuals attending intensive language courses before starting studies may also need it.     

Why is a German Blocked Account Required?

Germany commands a blocked account for non-EU students who are applying for a student visa. The primary purposes of the blocked account are:

1. Visa requirement: A German blocked account is an important requirement for gaining a German student visa, certifying that students won’t face any financial problems while pursuing studies.
2. Financial proof: It proves that you have a sufficient amount to financially support yourself without needing to depend on merely on part-time jobs, family, or other sources.
3. Budget management: The instalment-based payments let you efficiently manage your monthly spending and ensure you don’t run out of money.

What Is the Minimum Deposit Required for a Blocked Account in Germany?

The minimum Germany blocked account amount currently is €11,904 per year (INR 12,59,597.95), for international students started on January 1, 2025. It allows withdrawals of €992 each month for managing living expenses after arriving in Germany. This is one of the major requirements for student visa approval. However, some visas or specific consulates require slightly different amounts or extra funds, like tuition fees, so it’s better to confirm with your German consulate/ embassy.  

Steps to Open a Blocked Account in Germany

Follow these steps to open a blocked account in Germany. Have a look.

1. Choose a Blocked Account Provider

Select right blocked account provider that should be approved by German authorities. Also, look for the factors like setup time, customer support and service fees.    

2. Fill the Application Form

Fill out the online application form of German blocked account provided by your account provider. Verify all the details by double-checking to avoid any delays in processing.

3. Submit the Required Documents

Gather all the required documents and submit them along with the application form.     

4. Transfer Required Funds

Deposit the mandatory amount to cover yearly living expenses. Keep in mind that some account providers may also ask for a reserve deposit. It covers unexpected costs and returns with the first pay out but only when it is not used.     

5. Receive the Confirmation Letter of Blocked Account.  

When your Block Account amount for Germany is successfully deposited, the account provider will allot a confirmation letter. You will be required to give this letter to ensure your funds at the time of your German student visa application.       

Documents Required to Open a Blocked Account in Germany

Here is the list of documents required to open a blocked account in Germany.

1. A valid passport
2. University acceptance or admission letter  
3. Proof of enrollment or admission in a German institution
4. Evidence of financial resources (initial deposit)     

How Does a German Blocked Account Work?

A Germany block account is one of the special bank accounts required for several visa applicants, such as students and job seekers. This helps to prove that they can cover their daily living expenses alongside studying in Germany. You deposit the annual amount, but once in Germany, you can only deposit €992 or set the monthly limit. It is released monthly into your regular current account for expenses, ensuring you don’t depend on public funds. Check below mentioned points to known how this account works.      

1. Opening the Account: Before moving to Germany, you should open your blocked account Germany and deposit the required amount. This step is vital because it shows the authorities you have sufficient money to live in Germany for a year.
2. Applying for a Residence Permit: When you arrive in Germany, you should apply for a residence permit from an immigration office (Ausländerbehörde) within three months.
3. Opening a Local Bank Account: After arriving, your foremost task is to open a current/ student bank account at a local bank. This account will serve as the pathway for your monthly funds.
4. Activating Account:  After coming to Germany, applying for a residence permit and acquiring a regular/current account, you must activate your account by visiting your provider’s website.
5. Withdrawing Funds: Once your account is activated, you are enabled to withdraw up to €992 (INR 88,656) each month through your current account. This is part of the initial €11,904 that you have deposited.     
6. Remaining Balance: Each following monthly transfer of €992 the remaining balance decreases. It ensures you have enough funds for up to 12 months of managing living expenses while studying in Germany.

Wrapping Up

To wrap up, we have successfully addressed all the information about the Blocked Account Germany. This account is a financial aid for international students, helping them manage their expenses while pursuing their studies. Although education is free or minimally charged in this country. But the living cost is slightly high, and to manage it, this support is best. The Student won’t face any financial burden and will not rely on other income sources. Thus, if you need more guidance related to Sperrkonto, without any hesitation, reach out to Gradding.com. Study abroad consultants here will make this process streamlined and get you connected to the best account provider.    

FAQs:

1. How much does a blocked account cost?

A blocked account (Sperrkonto) for pursuing higher studies in Germany in 2026 requires depositing a mandatory €11,904 for one year (€992 per month), used to cover the living expenses. However, it is a fund requirement, not an actual banking fee. 

2. Which Bank Is Good for a Blocked Account in Germany?

To open a blocked account in Germany. There are many popular and reliable online providers, such as Expatrio and Fintiba. They are known for their speed work and easy process. Alongside, traditional bank options are also available, such as Deutsche Bank, Postbank, Sparkasse, and DKB.   

3. How long does it take to open a blocked account in Germany?

Opening a German Blocked account can be a very fast process that often takes minutes or a few hours for registration. Providers like Fintiba and Indian banks like ICICI offer quick online setups. However, getting the crucial Blocking Confirmation (for visa) takes a longer time. It requires document verification and time for the funds to arrive.

4. Can a third party send the deposit on my behalf?

Yes, a third party can send a deposit on your behalf, especially via electronic transfers like Venmo, Zelle and more or even cash at a bank. However, they will need your account info and sometimes require written authorisation for cash and checks to avoid any scam or fraud.   

5. What if my German student visa application is rejected?

If your German student visa gets rejected, you have two main options. Reapply with a stronger, corrected application that addresses the reasons for denial, such as weak finances or missing documents. Or you can file a formal legal appeal (lawsuit) in the Berlin Administrative Court, if you think the decision was unlawful, with the refusal letter detailing how to proceed.