If you’re planning to study abroad in Germany — especially as an international student — understanding the germany blocked account amount is one of the most important steps in your journey. In this super-detailed, easy-to-read guide brought to you by Lectures Abroad, we’ll walk you through everything you need to know about the blocked account requirement for Germany.
Whether you’re applying for a student visa, preparing funds, or budgeting for life in Germany, we’ve got you covered — with real numbers, practical examples, step-by-step explanations, and helpful tips to make the process smooth and stress-free.
What Is a Blocked Account (Sperrkonto) in Germany?
A blocked account (in German: Sperrkonto) is a special type of bank account that international students must open when they apply for a German student visa. The German authorities require this account as proof of financial funds — it ensures you have enough money to support yourself while you study, without becoming financially dependent on the state.
This account is “blocked” because you cannot withdraw all your money at once. Instead, a fixed monthly amount is released to you when you arrive in Germany — helping you manage your living expenses in an organised way.
Why Does Germany Require a Blocked Account?
Germany wants to make sure international students can:
- Pay for rent and utilities
- Cover food and basic living costs
- Afford insurance and transport
- Focus on their studies without financial stress
That’s why the blocked account requirement is a key part of the visa application process. If you don’t have this proof of funds, your student visa may be rejected.
At Lectures Abroad, we always remind students to get this sorted early so it doesn’t delay other parts of their application.
What Is the Current Germany Blocked Account Amount in 2026?
As of the latest updates for 2026, the official germany blocked account amount that most international students must deposit is:
💶 €11,904 for one year
This amount is based on the updated figures set by the German government and reflects the estimated living cost for students. You are allowed to withdraw up to €992 per month once you arrive in Germany.
| Requirement | Amount |
| Annual Blocked Account Amount | €11,904 |
| Monthly Withdrawal Limit | €992 |
| Purpose | Proof of financial means for visa |
| Effective Since | September 1, 2024 (ongoing into 2026) |
This requirement is based on Germany’s BAföG rate — a federal student financial assistance benchmark — which reflects the minimum cost of living for students.
📌 Important: This is the current standard for most student visa applicants. If you’re applying for a specialized visa (like the Opportunity Card or training visa), the amount might differ — often higher.
How the Blocked Account Amount Works
You may have some questions like:
🤔 Why deposit money into a blocked account?
This fund acts as proof of financial capability. It shows the German embassy or consulate that you can fund your living expenses for at least one year. This is mandatory for most non-EU/EEA students — including Indian students.
💡 Can I withdraw all my money at once?
No. Only a fixed amount (currently €992 per month) can be released after your arrival in Germany. This helps you budget for your living expenses throughout your study period.
📍 Does the blocked amount include tuition fees?
No — the blocked account amount is just for living expenses. Tuition fees (if applicable) must be paid separately.
Who Needs a Blocked Account?
Most non-EU/EEA students need to show a blocked account when applying for:
- Bachelor’s programs
- Master’s programs
- Language courses longer than 90 days
- Long-term student residence permits
If you’re an EU/EEA/Swiss citizen, you’re typically exempt from this requirement. However, always double-check with the German embassy in your country.
How to Open a Blocked Account – Step by Step
Here’s how international students generally set up a blocked account:
1. Choose a Blocked Account Provider
The most popular providers include:
- Fintiba
- Expatrio
- Coracle
(All are recognised by German embassies and consulates.)
Choose one that fits your budget and convenience.
2. Submit Your Details Online
You’ll fill out an online form, including:
- Full name
- Passport information
- Contact details
- Visa type (student)
Each provider will then give you instructions on how to fund the account.
3. Transfer the Required Money (€11,904)
You transfer the full blocked account amount from your home bank to the provider. This amount will be “blocked” until you arrive in Germany.
4. Get the Blocked Account Certificate
Once the funds are received, your provider will issue a blocked account confirmation letter — this is what you submit during your visa application.
5. Submit It to the German Embassy/Consulate
Include your blocked account confirmation along with your visa documents. This is key evidence of financial proof.
6. Withdraw Monthly After Arrival
When you arrive in Germany, open a local bank account linked to your blocked account. You’ll receive around €992 per month.
Extra Costs You Might Face
Aside from the blocked amount itself, you may also encounter:
📌 Setup Fee: Around €49 – €150 depending on the provider
📌 Monthly Service Fee: Approx. €4 – €10
📌 International Transfer Fees: Vary by your home bank and country
💡 Tip from Lectures Abroad: Always budget a little extra (e.g., €100–€200) to cover these additional costs so there are no surprises when transferring money.
Real Examples – Why the Blocked Amount Matters
Example 1: Indian Student Budget
Suppose Priya from India is applying for a master’s program in Germany. She deposits €11,904 in her blocked account before her visa appointment. Once in Germany, she receives €992 per month to cover rent, food, transport, and personal expenses. This smooth monthly release helps her manage her study budget without stress.
Example 2: Planning for Scholarships
Rohit is a scholarship recipient and still needs to show blocked account proof for visa processing. He opens a blocked account with €11,904 and also uploads his scholarship letter. This strengthens his visa application by showing both scholarship support and guaranteed financial funds.
Common Questions Students Ask
❓ Can I deposit more than the minimum €11,904?
Yes — you can deposit more if you want a higher monthly allowance. However, it won’t speed up your visa approval; it just increases your monthly budget.
❓ What if I use part of the funds before the year ends?
The account is structured to release the monthly allowance only. If you use extra funds, you may need a fresh blocked account or show alternative financial proof when renewing your visa.
❓ Is a blocked account required every year?
When renewing your student visa, you typically only need to show proof of funds if your existing funds have depleted. Rules can vary slightly by local immigration office.
How Lectures Abroad Helps With Blocked Accounts
At Lectures Abroad, we support students like you with:
✔ Choosing the best blocked account provider
✔ Preparing the blocked account documents
✔ Step-by-step guidance through the visa submission
✔ Budget planning for your first year in Germany
We know that financial planning is one of the most stressful parts of studying abroad — and we’re here to make it as smooth as possible.
Final Thoughts – Plan Your Blocked Account Early!
The germany blocked account amount requirement is not just a rule — it’s a safety net that ensures you can live and study comfortably in Germany. As of 2026, the requirement stands at €11,904 for one year, with a monthly allowance of €992.
Whether you’re heading for a bachelor’s or master’s degree, planning this early — ideally before your visa appointment — will make your study abroad experience more organised and worry-free.
Understanding this requirement fully, preparing your funds on time, and choosing the right provider are key steps in your journey. And whenever you need advice or help, Lectures Abroad is here to guide you toward success.
