What Is a German Blocked Account?
A blocked account (Sperrkonto) is a special type of bank account required by the German government as proof that international students have enough funds to support themselves while studying in Germany. Since Germany offers tuition-free education at public universities, the government wants to ensure that you can cover your living expenses without becoming a financial burden.
The blocked account is mandatory for obtaining a German student visa. You deposit a specific amount before arriving in Germany, and then you can withdraw a fixed monthly amount to cover your expenses.
How Much Do You Need in 2026?
As of 2026, you must deposit a minimum of €11,904 per year (€992 per month × 12 months). This amount is set by the German government and has been increasing gradually over the years. You can then withdraw up to €992 per month from the account once you arrive in Germany.
If you receive a scholarship that covers your living expenses, you may be exempt from the blocked account requirement. Check with the German embassy in your country.
Best Blocked Account Providers
1. Expatrio
The most popular option among international students. 100% online application. Account opening takes about 5-10 minutes. Processing time: 2-5 business days. Cost: approximately €49 one-time fee. Includes free health insurance comparison tool.
2. Fintiba
Another major provider trusted by thousands of students. Quick online application. Processing time: 2-5 business days. Cost: approximately €89 one-time fee. Offers additional features like travel health insurance.
3. Deutsche Bank
The traditional option. Can be done at a Deutsche Bank branch or online. Slower processing (1-4 weeks). No account opening fee but may have ongoing monthly fees. Best if you want a full German bank account alongside the blocked account.
Step-by-Step Process
Step 1: Choose a provider (Expatrio or Fintiba recommended for speed and convenience).
Step 2: Create an account on their website and verify your identity (online or at a German embassy).
Step 3: Transfer the required amount (€11,904 for a 12-month period) from your home country bank.
Step 4: Receive your blocked account confirmation letter.
Step 5: Use this letter for your German student visa application.
Step 6: After arriving in Germany, activate the account and begin monthly withdrawals of €992.
Timeline Tips
Start the blocked account process at least 6-8 weeks before your visa appointment. International bank transfers can take 3-7 business days, and account processing adds another 2-5 days. If you are applying for a visa in a country with limited German embassy availability, start even earlier.
Common Mistakes to Avoid
Depositing the wrong amount: Always check the current required amount on the German embassy website. It increases periodically.
Not accounting for transfer fees: International wire transfers may cost $20-50 and exchange rate fluctuations can mean the received amount is slightly less than what you sent. Transfer a bit more than the minimum to be safe.
Using the wrong currency: Deposits must be in EUR. If you transfer in another currency, conversion rates may leave you short.
Planning to Study in Germany?
The blocked account is just one part of your Germany preparation. Read our complete guide to studying in Germany for free. Browse German scholarships to potentially avoid the blocked account requirement entirely. Use our AI Study Match to find the perfect German program for your profile.
