Blocked Account

Blocked Account

A blocked account (Sperrkonto) is an essential requirement for international students applying to study in Germany. This account is a way to prove that you have sufficient financial resources to cover your living expenses while studying in Germany. Here’s when and how to open one, along with where to add it in the procedure:

When to Open a Blocked Account?

You need to open a blocked account before applying for your student visa. This is because one of the key documents required for the visa application is proof of financial means, and a blocked account serves this purpose.

In most cases, you’ll need to show that you have a minimum of €992 per month (€11,904 for a 12-month visa) for one year of study (as of 2025), which is the standard required by German authorities. This amount is updated periodically, so it’s important to check for the most current requirement.

How to Open a Blocked Account?

Step 1: Choose a Bank:

You can open a blocked account either with a German bank or with a service provider that partners with German banks. Some popular providers include:

• Fintiba (www.fintiba.com) – Fully online, €89 one-time fee.
• Expatrio (www.expatrio.com) – Includes health insurance, €49 setup fee.
• Deutsche Bank (www.deutsche-bank.de) – Traditional bank, slower process.

Step 2: Register Online

1. Visit the provider’s website (e.g., Fintiba).
2. Fill in your details:
   • Full name (as in passport).
   • Passport number.
   • German university admission letter (if available).
3. Pay the setup fee (e.g., €89 for Fintiba).

Step 3: Transfer €11,904 to the Blocked Account

1. You’ll get bank details (IBAN) from the provider.
2. Transfer the money via:
   • International bank transfer (SWIFT).
   • SEPA transfer (for EUR accounts).
3. Keep the transfer receipt as proof.

Important:

• The money must come from your account (not a parent’s or third party).
• If using a parent’s account, submit a sponsorship letter (notarized).

Step 4: Get the Blocked Account Confirmation Letter

• After the provider receives your money, they’ll email you a confirmation letter (in 1–2 weeks).
• Print this letter and submit it with your visa application.

Adding Blocked Account to the Application Procedure:

Here’s where the blocked account fits into the application process for German universities and the visa:

• Before You Apply for the Visa:
  • Open the blocked account to demonstrate that you have sufficient financial resources for your studies in Germany.
• During the Visa Application:
  • When applying for your student visa at the German embassy or consulate, submit the confirmation letter from the blocked account alongside your other documents (admission letter, passport, proof of health insurance, etc.).
• Before Arriving in Germany:
  • Once your visa is approved, you can access the blocked account and use it for living expenses. Typically, the bank will allow you to withdraw a fixed amount per month (around €992/month as of 2025).