Germany Blocked Account for Students

A blocked account for students in Germany is mandatory for most non-EU citizens applying for a student visa. As of 2025, international students must deposit €11,904—proving they can cover at least €992 in monthly living expenses. Without this proof of financial means, a visa application will likely be rejected. This guide breaks down the process of opening a blocked account, who needs it, the updated blocked account Germany amount in 2025, and how to manage it effectively.

By understanding this essential requirement, students can avoid delays in their visa process and transition smoothly into academic life in Germany.

What Is a Blocked Account for Students?

A blocked account, or Sperrkonto, is a special type of German bank account designed to demonstrate a student’s financial solvency to immigration authorities. The account restricts access to the full balance, allowing only fixed monthly withdrawals—ensuring students have a consistent source of funds without relying on government assistance.

For non-EU international students, a blocked account is not optional. It’s a prerequisite for obtaining both a student visa and a residence permit in Germany.

Why You Need a Blocked Account for a German Student Visa

Financial Proof Requirement for Student Visa Germany

Germany mandates that students from outside the EU prove they can financially support themselves while studying. A blocked account is the most widely accepted method to meet this requirement.

Updated Blocked Account Amount Germany 2025

As of January 1, 2025, the required deposit for a blocked account in Germany is €11,904, reflecting €992/month, in line with the new BAföG rate (the federal student support standard). This amount ensures students can afford basic living costs like housing, food, transportation, and health insurance.

Regulatory Acceptance

The blocked account is officially recognized by German embassies and consulates around the world. It complies with the requirements of both the Federal Foreign Office and local Ausländerbehörde (foreigners’ offices).

How Does a Blocked Account Work?

Once opened and funded, your blocked account will restrict access to the total balance, allowing only monthly withdrawals of €992 (or more, if you deposit extra). Funds are typically transferred monthly to your German current account (Girokonto), from which you can pay rent, buy groceries, and handle other living expenses.

This monthly disbursement ensures steady financial stability throughout your stay and avoids early depletion of funds.

Who Needs a Blocked Account?

You need a blocked account if:

• You are a non-EU/EEA student applying for a student visa or residence permit.
• You are applying for language courses or university preparatory programs.
• You are an international job-seeker applying for a job-seeker visa.

Some exceptions apply if you’re on a fully funded scholarship or receiving a formal financial guarantee (Verpflichtungserklärung) from a resident in Germany.

How to Open a Blocked Account in Germany (2025 Step-by-Step)

Step 1: Choose a Trusted Blocked Account Provider

Ensure your provider is BaFin-regulated and recognized by German embassies. Top providers in 2025 include:

• Fintiba (with Sutor Bank – German deposit protection)
• Expatrio
• Coracle
• Deutsche Bank (manual process, slower but reliable)
• ICICI Bank Germany
• Remitly + Expatrio integration (for Indian students)

Step 2: Apply Online

Most providers allow full digital onboarding. You’ll need to:

• Fill out an application form
• Upload your passport
• Upload your university admission letter or language school acceptance

Some providers also include travel insurance and health insurance bundles in their packages.

Step 3: Deposit the Required Amount

Deposit the full blocked amount:

• €11,904 minimum for one year
• You may add extra if staying longer or if local authorities request higher financial proof

Use SWIFT international bank transfer or a money transfer partner suggested by the provider (e.g., Remitly, Wise).

Step 4: Receive the Blocking Confirmation

Once the funds are received, the provider will issue a blocking confirmation letter. This document is mandatory for your visa appointment at the German embassy or consulate.

Documents Required for Opening a Blocked Account

Here’s what you’ll typically need:

Valid Passport

Must be current and valid for the intended period of stay.

Admission Letter from a German Institution

Issued by a university, Studienkolleg, or language school. It must include the course name and duration.

Proof of Residence (in some cases)

If you’re already in Germany, a Meldebescheinigung may be required.

Visa Application or Appointment Proof (Optional)

Some providers may request a copy of your visa appointment confirmation for documentation.

Best Providers for Blocked Account Germany in 2025

Here’s a comparison of the most reputable providers:

Alternatives to a Blocked Account

If you cannot or do not wish to use a blocked account, here are alternatives—but they come with risks:

• Verpflichtungserklärung (Formal Obligation Letter) from a permanent resident in Germany
• Scholarship Confirmation from a recognized body like DAAD
• Parental Sponsorship (must be notarized and translated)
• Bank Guarantee from a reputable German or international bank

Note: Many embassies do not accept alternatives without additional verification or documentation. Always check with your consulate.

Managing Your Blocked Account Once in Germany

Open a Current Account (Girokonto)

You’ll need a regular bank account to receive the €992/month disbursements. Recommended banks for students include:

• N26 (digital bank with English interface)
• Commerzbank (with physical branches)
• Deutsche Bank (recognized by many institutions)

Monthly Budgeting

Track your spending with budgeting apps like:

• Numbrs
• Finanzguru
• Mint
• Revolut

Stick to the €992/month limit unless you’ve deposited more upfront.

Renewing or Extending Your Blocked Account

If your studies extend beyond one year, you’ll need to top up your account with another €11,904 or provide alternative proof. Most providers allow easy extensions through your existing account.

Common Issues and How to Avoid Them

• Transfer Delays: Always use approved transfer channels and check international fees.
• Incorrect Document Uploads: Double-check every file name, clarity, and resolution.
• Provider not recognized: Only choose BaFin-approved or embassy-recognized providers.
• Local requirements: Some foreign offices (e.g., in Munich or Frankfurt) may ask for more than €992/month due to high local living costs.

Setting up a blocked account for students in Germany is one of the most critical early steps for non-EU international students. As of 2025, the updated blocked account Germany amount is €11,904, ensuring financial readiness for your first year. With multiple reliable providers, fast online applications, and clear guidelines, the process is more accessible than ever.

However, delays or mistakes in setting this up can derail your visa timeline. Plan early. Choose a trustworthy provider. And always verify embassy-specific requirements.

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