If you’re planning to study in Germany, you’ve probably come across the term “Blocked Account” or, in German, “Sperrkonto.”
It’s one of the most essential requirements for obtaining your German student visa. Let’s break it down in detail 👇
🔹 What Is a Blocked Account?
A blocked account is a special bank account for international students that serves as proof of financial means during your studies in Germany.
It’s called “blocked” because you cannot withdraw the total amount at once. Instead, a fixed monthly allowance is transferred to your personal account in Germany after you arrive — helping cover your living expenses.
🔹 Why Does the Embassy Require It?
The German authorities want to ensure that international students have enough financial resources to live and study in Germany without financial hardship or illegal employment.
The blocked account is essentially a guarantee of your financial stability throughout your stay.
🔹 How Much Money Do You Need?
As of 2025, the required amount is €11,208, which equals €934 per month for 12 months.
This amount covers basic living costs such as accommodation, food, transportation, and health insurance.
🔹 How to Open a Blocked Account
You can open your blocked account in two main ways:
- Through a German bank like Deutsche Bank (traditional method, usually slower), or
- Through online financial service providers approved by the German government, such as:
- Fintiba
- Expatrio
- Coracle
- Deutsche Bank
These providers allow you to complete the entire process online — from submitting documents to transferring your funds — before you even travel to Germany.
🔹 When Can You Access the Money?
Once you arrive in Germany and open your local current account, a fixed monthly amount (€934) will automatically be transferred from your blocked account to your local account for daily expenses.
🔹 Important Tips
Open your blocked account early, as international bank transfers may take time.
Always make sure to choose an officially recognized provider accepted by German embassies.
Keep all confirmation emails and documents — you’ll need them for your visa appointment.
