Blocked Account (Sperrkonto) for Germany Student Visa

So the embassy wants proof you can pay for your life in Germany. For most of you, that proof is a blocked account (Sperrkonto)—a special account where you lock in your living costs and then get a fixed amount each month once you’re in the country. It’s not as scary as it sounds. Here’s what you need to know.

Why Do You Need a Blocked Account?

Germany wants to be sure you won’t run out of money. They usually ask for something like €1,000–1,200 per month (the exact number changes, so check the latest). With a blocked account you:

1. Transfer the required amount (often a full year) into the account.
2. The money is “blocked”—you can’t take it all out. You get a set sum each month in Germany.

That satisfies the visa people and, honestly, helps you budget once you land. Win-win.

How Much Money Do You Need to Block?

The government sets the number and tweaks it now and then. As of 2024–25 it’s usually €12,000–14,000 for the year. Always confirm on the embassy site or your provider’s page—you don’t want to block too little and get refused.

Most people block 12 months before the visa appointment. Some providers let you start with less and top up; ask them directly.

Popular Blocked-Account Providers

You’ve got options. Fintiba and Expatrio are the ones everyone talks about—online setup, English support, straightforward. Deutsche Bank and others work too, but expect more paperwork and sometimes a branch visit in Germany. Then there are names like Coracle and SAB. Compare setup fees, monthly fees, and how easy it is to transfer from your home country. A few euros difference in fees can add up.

Step-by-Step: Opening Your Blocked Account

1. Choose a provider

Pick one that’s accepted by German missions (the big names usually are). If in doubt, check your embassy’s list.

2. Register online

Sign up on the provider’s site. They’ll want your passport, proof you’re admitted (or at least applied) to a German uni, and sometimes proof of address. Have those ready.

3. Transfer the blocked amount

Send the full amount (e.g. €12,000+) to the account they give you. Use the reference number they provide—that’s how they match the payment to your application. International transfers can take a few days, so don’t do it the night before your visa appointment.

4. Receive your blocking confirmation

Once the money’s in and the account is blocked, you get a Sperrbestätigung (blocking confirmation). That piece of paper is what you hand in with your visa application. Guard it.

5. Use it for your visa application

Submit the confirmation with the rest of your visa docs. After you’re in Germany, you’ll get access to the linked bank account (if your provider offers one) and your monthly allowance.

After You Arrive in Germany

You’ll receive a set amount every month (around €1,000+). Plan rent, health insurance, and life around that. If you need to extend your stay later, you might need to top up or block again for the next period—your provider and the Ausländerbehörde can tell you how.

Get the blocked account sorted early. Last-minute scrambles before the visa appointment are no fun. YourWeg can help you keep visa and university deadlines in one place so nothing slips.