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Planning to study in Germany? Then you must know about the financial requirement known as a "blocked account". For international students, demonstrating financial stability is essential to secure a German student visa. This involves setting up a specific bank account that ensures you have sufficient funds to cover your living expenses during your stay.
In 2025, there have been updates regarding the required amount for this account. This reflects changes in living costs and economic factors. Staying informed about these updates is crucial for prospective students to ensure compliance with visa regulations and to plan their finances effectively.
In this blog, we'll understand the specifics of this financial requirement, its purpose, the updated amounts for 2025, how you can set up this account to facilitate your studies in Germany and how a German education consultant in India can help you in the process.
Table of contents:
What is a Blocked Account?
A blocked account, or "Sperrkonto," is a specialised bank account in Germany designed to serve as proof of financial resources for international students and job seekers from non-EU countries. This account ensures that individuals have sufficient funds to cover their living expenses during their stay in Germany, which is a mandatory requirement for obtaining a German student visa or residence permit.
Unlike regular bank accounts, a blocked account has specific restrictions:
Initial Deposit Requirement: Before arriving in Germany, the account holder must deposit a predetermined sum, as specified by German authorities. This lump sum is intended to cover living expenses for a set period.
Controlled Monthly Withdrawals: The account permits the holder to withdraw only a fixed amount each month, ensuring that funds are available throughout their stay. For instance, as of January 1, 2025, the maximum monthly withdrawal for students is €992.
The primary purpose of the blocked account is to guarantee that international students and job seekers can support themselves financially without relying on external assistance. This rule of monthly disbursement of fixed funds promotes responsible financial management and assures German authorities of the individual's financial stability.
It's important to note that while the blocked account is a common method to demonstrate financial means, there are alternative ways to fulfill this requirement, such as scholarships or sponsorships. However, the blocked account remains the most widely used and recognized method among international students planning to study in Germany.
How Much Money Do You Need in a Blocked Account in 2025?
In 2025, international students planning to study in Germany are required to deposit €11,904 into a blocked account (Sperrkonto) as proof of financial resources. This amount ensures that students have sufficient funds to cover their living expenses for one year, with a controlled monthly withdrawal limit of €992.
This requirement has seen adjustments over the years to align with the rising cost of living and inflation in Germany. For instance, in 2023, the annual blocked amount was €11,208, equating to a monthly withdrawal of €934. The increase to €11,904 annually in 2025 reflects the German government's commitment to ensuring that students have adequate financial means to support themselves during their studies.
It's important to note that while the blocked account covers basic living expenses, students may incur additional costs not accounted for in this amount. These can include:
University Fees: Some institutions may charge administrative fees or semester contributions.
Health Insurance: Mandatory for all students, health insurance premiums are separate from the blocked account funds.
Course Materials: Expenses for textbooks, lab equipment, and other study-related materials.
Accommodation Deposits: Initial security deposits for housing, which are typically refundable.
Travel Expenses: Costs related to commuting or traveling within Germany.
Therefore, it's advisable for students to budget for these additional expenses to ensure a comfortable and financially stable stay in Germany.
Approved Banks & Providers for Opening a Blocked Account
So far we know that when planning to study in Germany, establishing a blocked account (Sperrkonto) is a vital step for international students, as it serves as proof of sufficient financial resources. Several government-approved banks and financial service providers offer blocked account services, each with distinct features, fees, and processing times. Let’s take a look at a few popular ones.
Popular Providers:
1. Expatrio:
Features: Offers a fully digital application process, free German bank account integration, and instant confirmation upon fund receipt.
Fees: €69 initial setup fee plus €5 monthly maintenance fee.
Processing Time: Official opening confirmation within 24 hours after fund reception.
2. Coracle:
Features: Provides a fast, fully digital application with no monthly maintenance fees and a personal dashboard for account management.
Fees: One-time fee of €99 (reduced to €59 with PRIME package).
Processing Time: Account opening within a few hours; necessary documents provided promptly.
3. Deutsche Bank:
Features: Traditional banking option with physical branches across Germany.
Fees: Varies; typically includes account setup and maintenance fees.
Processing Time: Longer processing times due to in-person appointments and manual verification.
4. Fintiba:
Features: Specializes in services for international students, offering a digital application process and integration with health insurance providers.
Fees: Specific fees not detailed.
Processing Time: Generally quick, but exact times not specified in the provided sources.
Considerations When Selecting a Provider:
Processing Time: Ensure the provider can offer timely account setup to meet visa application deadlines.
Accessibility: Opt for providers with user-friendly online platforms and reliable customer support.
Customer Service: Responsive support is crucial for addressing any issues during the application process.
Step-by-Step Process to Open a Blocked Account
Here's a step-by-step guide to opening a blocked account:
Step 1: Choose an Approved Blocked Account Provider
Select a reputable bank or financial service provider that offers blocked accounts meeting German visa requirements. While the German Federal Foreign Office does not endorse specific institutions, it's essential to research and choose a provider that aligns with your needs.
Step 2: Apply Online with Personal and Passport Details
Most providers offer an online application process. You'll typically need to:
Complete an application form with your personal information.
Provide a valid passport copy.
Submit university admission letters or other relevant documents.
Step 3: Transfer the Required Amount Plus Fees
After your application is reviewed, you'll receive details to transfer the necessary funds. As of January 1, 2025, the required annual amount is €11,904, equating to €992 per month. Ensure you also account for any setup and maintenance fees charged by the provider.
Step 4: Receive Confirmation (Sperrbestätigung) for Visa Application
Once the funds are credited, the provider will issue a confirmation certificate (Sperrbestätigung). This document verifies the blocked account's status and is mandatory for your visa application.
Step 5: Activate the Account After Arriving in Germany
Upon arrival:
Visit the bank or provider's local branch, if necessary.
Complete identity verification procedures.
The account will then be activated, allowing monthly withdrawals up to the specified limit.
By following these steps, you can ensure a smooth process in establishing your blocked account, fulfilling a key requirement for studying in Germany.
Alternative Ways to Show Financial Proof
While a blocked account (Sperrkonto) is a common method for demonstrating financial means for a German student visa, there are alternative ways to fulfill this requirement:
Sponsorship Letter from a Resident in Germany: A resident can provide an official obligation letter (Verpflichtungserklärung) at the local immigration office, committing to cover the student's expenses. This is typically accepted when the sponsor has a stable income and clear financial capability.
Scholarship Covering Living Expenses: If awarded a scholarship that includes a stipend for living costs, official documentation from the scholarship organization can serve as proof. The scholarship must meet or exceed the required monthly amount set by German authorities.
Acceptance Criteria:
Consistency with Required Amounts: All alternatives must match the financial thresholds set by German authorities, ensuring the student has adequate monthly funds.
Documentation Authenticity: Official, verifiable documents are mandatory. Authorities may reject unverifiable or unofficial proofs.
Source of Funds: Funds must originate from legitimate, legal sources. Authorities may scrutinize large, unexplained deposits.
It's essential to consult the specific German education consultant in India or embassy in your region, as acceptance of these alternatives can vary based on individual circumstances and local regulations.
Common Mistakes to Avoid While Opening a Blocked Account
To ensure a smooth process while opening a blocked account, avoid the following common mistakes:
Choosing Unverified Providers: Opting for unrecognized or unverified financial institutions can lead to delays or complications. Always select reputable providers with positive reviews and official recognition.
Depositing the Incorrect Amount: Transferring less than the required sum can result in account rejection or visa delays. As of 2025, the annual required amount is €11,904, equating to €992 per month. Ensure you also account for any additional fees or charges.
Delaying the Process and Missing Visa Deadlines: Procrastinating on opening your blocked account can jeopardize your visa application. Initiate the process well in advance to accommodate any unforeseen delays.
Not Keeping Proof of Blocked Account Confirmation: Failing to retain the confirmation document (Sperrbestätigung) can hinder your visa application. Always secure and submit this proof as required.
Providing Incorrect Personal Details: Errors in personal information, such as name or passport number discrepancies, can lead to application rejection. Double-check all details before submission to ensure accuracy.
Ignoring Activation Requirements Upon Arrival: Neglecting to activate your blocked account after arriving in Germany can restrict access to your funds. Follow your provider's instructions promptly to complete the activation process.
Overlooking Service and Maintenance Fees: Not accounting for ongoing service fees can lead to unexpected financial shortfalls. Review your provider's fee structure thoroughly and plan your finances accordingly.
Role of a German Education Consultant in India
Navigating the complexities of studying in Germany can be challenging for Indian students, especially when it comes to financial requirements like the blocked account (Sperrkonto) and visa documentation. This is where a German education consultant in India plays a pivotal role. Here is what they help with:
1. Assistance with Blocked Accounts and Financial Proof
Understanding the nuances of financial prerequisites is crucial. Consultants guide students in selecting reputable blocked account providers, ensuring compliance with the latest financial regulations. They offer insights into the required deposit amounts, associated fees, and the application process, helping students avoid common pitfalls such as choosing unverified providers or depositing incorrect amounts.
2. Support in Visa Application Documentation
The visa application process demands meticulous attention to detail. Consultants assist in compiling and reviewing necessary documents, including proof of financial resources, university admission letters, and health insurance. Their expertise ensures that applications are complete and accurate, minimizing the risk of delays or rejections due to documentation errors.
3. Ensuring Financial Compliance to Prevent Rejections
Financial discrepancies can lead to visa denials. Consultants work closely with students to verify that all financial documents meet the standards set by German authorities. They provide guidance on maintaining proper financial records and advise on alternative proof of funds if necessary, ensuring that students present a robust financial profile.
Introducing Admissiongyan
As a trusted German education consultant in India, Admissiongyan has a proven track record of assisting students in realizing their academic aspirations in Germany. With personalized counseling, comprehensive support in financial planning, and expert guidance throughout the visa application process, Admissiongyan stands as a reliable partner in your educational journey.
Conclusion
Embarking on an educational journey in Germany is an exciting endeavor, but it requires careful financial planning and adherence to specific regulations. Establishing a blocked account is a fundamental step to demonstrate financial readiness, and understanding the associated requirements is paramount.
By proactively managing your finances and seeking guidance from experienced professionals, you can navigate the complexities of international education with confidence. Remember, thorough preparation not only facilitates a smoother visa process but also sets the foundation for a successful academic experience abroad.
Need expert guidance? Let Admissiongyan assist you in your study abroad journey!