Blocked Account (Sperrkonto) for Germany
If you are planning to study in Germany, you will usually need to prove that you can financially support yourself during your studies.
One of the most common ways to do this is through a blocked account, known in German as a Sperrkonto.
This guide explains what a blocked account is, how it works, how much money you need to deposit, and how to open one before applying for your Germany student visa.
We keep it simple, practical, and clear.
What Is a Blocked Account (Sperrkonto)?
A blocked account is a special type of bank account used by international students in Germany.
Before your visa is approved, you must deposit a specific amount of money into this account. The money is then released to you in monthly instalments after you arrive in Germany.
This system helps the German government ensure that students have enough money to cover their living expenses.
Without proof of sufficient funds, your student visa application may be rejected.
How Much Money Is Required?
As of 2026, international students must deposit:
€11,904 per year
This amount is based on an estimated monthly living cost of €992.
Once you arrive in Germany, you can withdraw up to €992 per month from the blocked account.
This amount helps cover expenses such as:
- Rent
- Food and groceries
- Transport
- Health insurance
- Study materials
The required amount may change in future years, so always check the latest information before applying.
Why Is a Blocked Account Required?
Germany requires proof of financial resources to ensure that international students can support themselves during their studies.
The blocked account proves that you have enough funds for your basic living expenses without relying on public assistance.
This financial proof is required when applying for:
-
A German student visa
-
A residence permit for study
When Should You Open a Blocked Account?
You should open your blocked account after receiving your university admission letter but before applying for your student visa.
Many students begin the process early because transferring money internationally can take time.
Your blocked account confirmation will be required during the visa application.
How Does the Blocked Account Work?
The process usually follows these steps:
Step 1: Choose a Blocked Account Provider
Several banks and financial services offer blocked accounts for international students.
Step 2: Open the Account Online
You will typically need:
-
Passport
-
Admission letter
-
Personal details
Step 3: Transfer the Required Funds
You must transfer the full required amount (currently €11,904) to the blocked account.
Step 4: Receive Confirmation
After the funds are received, the provider issues a blocked account confirmation certificate.
You will submit this document when applying for your visa.
Step 5: Monthly Withdrawals in Germany
Once you arrive in Germany and activate your account, you can withdraw the allowed monthly amount.
Popular Blocked Account Providers
Many international students choose online providers because the process is simple and can be completed remotely.
Some well-known providers include:
Each provider has slightly different fees and services, so it is worth comparing options.
Can You Use Other Financial Proof Instead?
In some situations, alternatives may be accepted instead of a blocked account.
These may include:
- A scholarship covering living costs
- A formal sponsorship (Verpflichtungserklärung) from a resident in Germany
- Proof of sufficient financial resources from parents
However, the blocked account remains the most common and widely accepted method.
Common Mistakes Students Make
Students sometimes face delays because of small errors.
Common mistakes include:
- Opening the account too late
- Sending incorrect personal information
- Transferring the wrong amount of money
- Not allowing enough time for international transfers
Starting early can prevent visa delays.
What Happens After You Arrive in Germany?
After entering Germany, you must:
- Register your address at the Bürgeramt
- Activate your bank account
- Receive monthly withdrawals from your blocked account
These funds help support your living expenses while studying.
What Should You Do Next?
The blocked account is only one part of the student visa process.
After arranging your financial proof, the next step is preparing your visa application and understanding what documents you need for your embassy appointment.
Need Help Preparing Your Application?
If you are unsure how to arrange financial proof or want help planning your study journey, you can speak to our team.
Book a Free Consultation for Germany
We can help you understand:
- Financial requirements for studying in Germany
- University application timelines
- Visa preparation steps