Blocked Account in Germany – Complete Guide for Students (2026)

Introduction

If you’re planning to study in Germany, one term you’ll hear often is the blocked account (Sperrkonto).

It is one of the most important requirements for getting a German student visa. Many students get confused about how it works and why it’s needed.

This guide will explain everything in a simple way.

💰 What Is a Blocked Account in Germany?

A blocked account is a special bank account where you deposit a fixed amount of money to prove that you can support yourself while studying in Germany.

This money is “blocked,” meaning you cannot withdraw it all at once.

Instead, you receive a fixed amount every month.

How Much Money Is Required?

As of 2026, students are required to deposit approximately:

€11,208 per year

This amount is based on the estimated cost of living in Germany.

You can withdraw around:

€934 per month

Why Is a Blocked Account Required?

The German government requires this to ensure that international students:

• Can manage living expenses
• Do not face financial problems
• Can focus on their studies

It is a mandatory requirement for student visa approval.

Step-by-Step Process to Open a Blocked Account

Step 1: Choose a Provider

Popular blocked account providers include:

• Expatrio
• Fintiba
• Coracle

Step 2: Register Online

Create an account on the provider’s website and fill in your details.

Step 3: Verify Your Identity

You may need to verify your identity through video verification or documents.

Step 4: Transfer Money

Transfer the required amount (€11,208 approx.) to your blocked account.

Step 5: Get Confirmation

Once the money is received, you will get a confirmation document.

This is required for your visa application.

How Does Withdrawal Work?

After arriving in Germany:

• You open a local bank account
• Monthly amount is transferred automatically
• You receive around €934 per month

Common Mistakes to Avoid

• Transferring incorrect amount
• Delaying the process
• Choosing unverified providers
• Not keeping proof of transfer

Tips for Students

• Start the process early
• Choose a reliable provider
• Double-check required amount
• Keep all documents ready

EEAT Perspective (Trust & Expertise)

• Experience: Thousands of students open blocked accounts every year for Germany.
• Expertise: The process is straightforward if done correctly.
• Authoritativeness: It is an official requirement by the German government.
• Trustworthiness: Using verified providers ensures safety and smooth processing.

Frequently Asked Questions (FAQs)

1. Is a blocked account mandatory for Germany?

Yes, it is required for most student visa applications.

2. How much money is needed in a blocked account ?

Approximately €11,208 per year.

3. Can I withdraw all money at once?

No, you receive a fixed monthly amount.

4. How long does it take to open a blocked account?

Usually a few days to 1–2 weeks.

5. Can I use any bank for a blocked account?

No, you must use approved providers.

6. What happens if I don’t open a blocked account?

Your visa application may be rejected.