Opening a Blocked Account (Sperrkonto) for Visa Requirements

Opening a blocked account, or Sperrkonto, is a crucial step for international students applying for a German student visa. The Sperrkonto serves as proof of financial security, demonstrating that you have enough funds to cover your living expenses while studying in Germany. The German authorities require this account to ensure that students can support themselves financially without relying on additional sources of income. In this article, we'll guide you through the process of setting up a Sperrkonto and its importance in your visa application.

Understanding Sperrkonto for German Student Visa

A Sperrkonto, or blocked account, is a bank account required for international students applying for a German student visa. This account is designed to prove that the applicant has enough financial resources to support themselves during their stay in Germany. The German government mandates this to ensure that students can cover their living expenses without financial dependency. The Sperrkonto is an essential part of the visa application process and must meet specific criteria outlined by the German authorities.

The main purpose of the Sperrkonto is to show that you have the required minimum amount of money to live in Germany. As of 2025, the required amount is typically around €11,208 for one year of study, which is approximately €934 per month. This sum covers basic living costs, including accommodation, food, and transportation. By opening a Sperrkonto, you provide the German government with evidence that you can financially sustain yourself without seeking additional employment or relying on public funds.

To set up a Sperrkonto, students need to choose a bank that offers this service. Most German banks or online platforms cater to international students by providing Sperrkonto accounts with simple procedures. After applying, students will deposit the required amount into the account, which is then blocked. This means that while you cannot access the entire sum at once, a fixed monthly amount will be released for your living expenses. This ensures the funds are not spent too quickly and are available throughout your stay.

The process of opening a Sperrkonto can vary slightly depending on the bank or provider you choose. Some banks allow online applications, while others may require you to visit a branch in person. You may also be asked to provide proof of admission to a German university and other supporting documents. Once the account is set up, the bank will issue a confirmation letter, which you can use as proof of your financial means during your visa application process.

Germany Blocked Account Process: Step-by-Step Guide

When applying for a student visa in Germany, one of the most important requirements is setting up a blocked account. This ensures that you have enough funds to support yourself during your stay. Here’s a step-by-step guide on how to complete the Germany Blocked Account process.

Step 1: Choose a Blocked Account Provider

The first step is to select a reliable provider for your blocked account. Several banks and financial institutions offer this service, including Deutsche Bank, Fintiba, and Expatrio. Compare the fees and services offered before making your decision.

Step 2: Complete the Application

Once you have chosen your provider, complete the application form. You’ll be required to provide personal details, including proof of admission to a German university, passport information, and a visa application. Some providers may require you to verify your identity online.

Step 3: Deposit the Required Funds

After your account is set up, you need to deposit the required amount of money, which is generally around €11,208 for one year (as of 2025). This amount is typically updated annually, so check the latest requirements before transferring funds.

Step 4: Receive Confirmation

Once the deposit is made, the provider will send you a confirmation of the blocked account. This document is critical for your visa application and proves that you have sufficient financial resources for your stay in Germany.

Step 5: Submit the Confirmation for Your Visa Application

Finally, submit the confirmation of your blocked account along with your visa application to the German consulate or embassy in your country. The confirmation serves as proof of your financial stability, helping to secure your student visa.

Top Sperrkonto Providers in Germany for Students

Some of the top Sperrkonto providers in Germany for students. These providers offer a variety of services to meet the needs of international students looking to open a blocked account.

Student Visa Financial Requirements for Germany

When applying for a student visa to Germany, meeting the financial requirements is crucial to ensure you can support yourself during your studies. The following points outline the key financial criteria you must fulfill for a successful visa application.

Blocked Account Requirement

One of the primary financial requirements is to open a blocked account in Germany. This account serves as proof that you have sufficient funds to cover your living expenses. The required amount is generally around €11,208 for one year (subject to annual adjustments).

Proof of Sufficient Funds

In addition to the blocked account, you may need to show proof of additional funds, such as a scholarship, financial guarantee, or proof of parental support. This helps demonstrate that you can financially sustain yourself during your stay in Germany.

Health Insurance Coverage

Health insurance is mandatory for international students in Germany. You must provide proof of health insurance coverage, which can be private or public, depending on your situation. The cost of health insurance can range from €100 to €150 per month.

Additional Costs for Accommodation and Travel

Apart from tuition and living expenses, you may also need to budget for accommodation and travel costs. It’s important to have extra funds available to cover these additional expenses, which can vary depending on the city and your lifestyle.

Visa Processing and Miscellaneous Fees

Don’t forget to account for visa application processing fees and any additional documentation or legal costs. Visa processing fees are typically around €75, and there may be other costs associated with obtaining documents or translating your application.

How to Choose the Right Germany Visa Bank Account

Choosing the right bank account for your Germany visa is an important step in meeting the financial requirements for your student visa. Here are five points to help you select the best account for your needs.

Look for a Provider Offering Blocked Accounts

The most crucial factor is ensuring the bank offers a blocked account (Sperrkonto) for students. This account is mandatory for securing your student visa, as it demonstrates you have enough funds to cover living expenses in Germany.

Compare Fees and Charges

Different banks have varying fees for monthly account maintenance, setup, and international transfers. Make sure to compare the fees charged by each provider to avoid hidden costs, especially if you will need to make transfers from your home country.

Check for Online Accessibility and Support

Since you may need to manage your account remotely, choose a bank with strong online banking features. Ensure the bank provides English-language support and easy online access to your account for checking balances and transferring funds.

Ensure Quick and Easy Account Setup

Opt for a bank with a straightforward and fast account setup process, especially if you are opening it from abroad. Some banks offer online registration, while others may require in-person visits, so choose based on convenience and speed.

Consider Additional Student Benefits

Look for banks that offer additional services, such as discounted student loans, easy currency conversion, or student health insurance. These added benefits can be helpful throughout your stay in Germany and may make managing your finances easier.