If you are planning to study or move to Germany, you have probably heard about the blocked account (Sperrkonto). This account is one of the most important requirements for getting a German student visa or a long-term residence permit.
In simple terms, a blocked account is a special bank account that demonstrates you have sufficient funds to reside in Germany for at least one year. The German government wants to make sure that international students and visitors can support themselves financially without depending on government help.
This article explains everything you need to know about the blocked account in Germany in 2025 — including how much you need to deposit, how to open it, trusted providers, common problems, and answers to all your questions.
What is a Blocked Account (Sperrkonto)?
A blocked account (Sperrkonto) is a special type of bank account required for many non-EU citizens applying for a German visa, especially international students.
You must deposit a set amount of money into this account before your visa appointment. The account is “blocked,” which means you cannot withdraw all the money at once. Instead, you receive a fixed monthly allowance to cover your living expenses after arriving in Germany.
This account shows the German government that you have enough funds to support yourself during your studies or stay.
Why You Need a Blocked Account for Germany
Germany requires proof of financial stability for international students and other long-term visa holders. This helps the government ensure that visitors can pay for rent, food, and daily expenses.
A blocked account is the easiest and most trusted way to prove your financial capability. It is accepted by all German embassies, consulates, and immigration offices. Once you fund it, you’ll get a confirmation letter, which is one of the key documents for your visa application.
Blocked Account Amount for 2025
As of 2025, the official minimum amount you need to deposit is €992 per month, which equals €11,904 per year.
This amount represents the average cost of living for a student in Germany, including accommodation, food, transportation, and other basic needs.
Note: Always confirm the exact amount with the German embassy or consulate handling your visa application because requirements may slightly change from year to year.
Best blocked account providers for students
Several trusted and embassy-approved providers help international students open blocked accounts easily online. Below are the most popular ones:
Expatrio
- 100% online application process.
- Fast approval and includes health insurance packages.
- Provides instant confirmation letters accepted by all German embassies.
- Charges an opening and monthly service fee.
Fintiba
- One of the first and most widely accepted blocked account platforms.
- Fast digital verification process.
- User-friendly mobile app to track your funds.
- Charges a small setup and monthly fee.
Deutsche Bank (Traditional Option)
- Requires manual paperwork and embassy verification.
- Slower process but good for those who prefer a traditional bank.
- Usually cheaper than private online providers but less convenient.
How to Open a Blocked Account Step-by-Step
Opening a blocked account is simple if you follow these steps carefully:
Choose a Provider: Select one of the approved providers (Expatrio, Fintiba, or Deutsche Bank).
Gather Your Documents: You will usually need:
- A valid passport
- University admission letter or language course enrollment letter
- Proof of residence (if available)
- Your personal email and contact information
Complete the Application Online: Create an account on the provider’s website, fill in your personal details, upload your documents, and verify your identity through video call or embassy attestation.
Deposit the Required Amount: Transfer the full amount (for example, €11,904 for 2025) to the account provided. Make sure to include any transfer fees so the total deposit is correct.
Receive Your Confirmation Letter: Once your payment is received, the provider will send a confirmation letter. You will use this letter during your visa application.
Activate Your Account After Arrival: After arriving in Germany, you’ll activate your account and connect it to your German bank account for monthly transfers.
How the Monthly Withdrawal Works
Once your blocked account is active, you can withdraw a fixed amount of money each month — usually €992.
The money will either be transferred directly to your German bank account or made available through your blocked account provider’s system.
You can use it to pay rent, buy groceries, cover transportation costs, and handle other personal expenses.
If any money remains after your visa period ends, you can request a refund when closing the account.
Alternatives to a Blocked Account
While the blocked account is the most common option, there are a few alternatives accepted by German authorities:
- Formal Obligation Letter (Verpflichtungserklärung): A German resident or citizen agrees in writing to sponsor you financially during your stay.
- Scholarship or Financial Aid Letter: A fully funded scholarship can replace the blocked account if it covers your living costs.
- Parental or Personal Bank Statement: In rare cases, embassies may accept bank statements showing sufficient funds, but this option is less reliable.
Always confirm with your embassy before choosing an alternative option.
Common Problems and How to Avoid Them
- Incorrect Deposit Amount: Always verify the latest required amount for your visa type.
- Transfer Delays: International transfers may take several days, so send money early.
- Unaccepted Provider: Some embassies accept only specific blocked account providers — check their list before applying.
- Missing Documents: Incomplete applications can delay approval; double-check everything before submission.
FAQs
What is the minimum amount for a blocked account in Germany in 2025?
You need at least €992 per month, which totals €11,904 per year.
Can I open a blocked account after arriving in Germany?
No. You must open and fund it before your visa application.
Can my parents deposit the money for me?
Yes. Your parents can transfer the money as long as the deposit comes from a legal source.
Are all blocked account providers accepted by German embassies?
No. Always choose recognized providers like Expatrio, Fintiba, or Deutsche Bank.
How long does it take to open a blocked account?
Online providers usually complete the process in 1–5 business days if all documents are correct.
Can I withdraw all the money at once?
No. The money is released in monthly instalments to cover your living expenses.
What happens to unused funds when I leave Germany?
You can request a refund of the remaining balance after closing the account.
Is a blocked account required for all visa types?
Mostly for student visas, language courses, and long-term stay visas. Some categories may use other proof of finances.
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