Blocked Account Germany: What You Need to Know
Planning to study or work in Germany? That’s an exciting step but before you start your journey, there’s an important financial requirement you need to meet.
For many non-EU nationals, a blocked account (Sperrkonto) is compulsory in a visa application. It acts as evidence that you have enough funds to support yourself during your stay in Germany. With fresh financial parameters coming into play in 2025, the deposit amount has been reviewed to the level of rising living costs.
In this blog post, we’ll break down everything you need to know: who needs a blocked account, how to open one, the latest developments regarding deposit amounts, and possible alternatives.
What is a Blocked Account (Sperrkonto)?
A blocked account, also known as Sperrkonto in German, is a specialized bank account mandated by German authorities for certain visa applicants. A blocked account serves the main purpose of demonstrating your financial capability to sustain living costs while staying in Germany.
This system enables international students and professionals to maintain their financial independence without receiving help from external sources during their stay.
| Please Note: It is called a “blocked” account because an initial sum for a whole year is paid in and then blocked, i.e., only 1/12 can be paid out per month. It is also known as a limited-withdrawal bank account. |
Also Read -> Navigating the Job Market in Germany: What You Need to Know
Who Needs a Blocked Account in Germany?
The need for a blocked account in Germany depends on your intended purpose in Germany. Let’s take a closer look at it:
1. Students:
A blocked account serves as an essential requirement for visa applications of non-EU/EEA students who want to study in Germany. The blocked account proves you have the funds needed to pay for your studies without suffering financial shortages during your time as a student.
2. Job Seekers:
People looking to obtain a job-seeker visa for Germany need to maintain a blocked account in Germany to demonstrate their ability to support themselves financially. It shows they can sustain themselves while searching for employment opportunities in Germany.
3. Exceptions:
Au Pairs: Depending on the visa requirements, au pairs (someone who lives with a host family to help with childcare and light household tasks in exchange for accommodation, meals, and pocket money) may be asked to provide a blocked account as financial security, even if the host family covers living costs.
Individuals Exempt from a Blocked Account Requirement →
Certain individuals may be exempt from opening a blocked account in Germany, including those with scholarships covering living expenses, employer sponsorships, or verifiable family income proof.
Blocked Account Amount in Germany for 2025
Germany blocked account amount is periodically adjusted to reflect the cost of living. So, the blocked account Germany amount for 2025 is:
1. Annual Deposit Requirements:
Applicants are required to deposit €13,092 into the blocked account. This amount is calculated to cover basic living expenses for one year.
2. Monthly Withdrawal Limit:
When you move to Germany, you get access to withdraw up to €992 each month from the blocked account in Germany. The monthly withdrawal limit ensures the funds deposited will last twelve months to cover your basic needs, such as living accommodations, meals, and travel expenses.
3. Why the Amount Changes Annually:
The blocked account amount is adjusted annually to reflect the rising cost of living in Germany. This amount is based on the BAföG rate (Bundesausbildungsförderungsgesetz), translated as “Federal Training Assistance Act” in English. It determines the minimum student financial support needed in Germany. Germany revises its BAföG rate, which causes periodic updates to its blocked account requirements because rents, food prices, and insurance premiums rise with time.
Read More → Unlocking Part-Time Job Opportunities for Students in Germany
How to Open a Blocked Account in Germany
Setting up a blocked account follows a simple process that requires systematic preparation to prevent time delays. Below is a step-by-step guide to help you set up your blocked account in Germany efficiently:
Step 1: Choose a Certified Provider
Several institutions offer blocked account services, and it’s important to select a provider that is recognized by German authorities. Here are some of the most commonly used options:
| Provider | Description |
| Fintiba | A fully digital service, quick setup, and mobile app access. |
| Expatrio | Offers additional services like health insurance and a value package. |
| Deutsche Bank | A traditional bank with in-person support but a longer processing time. |
When choosing a provider, evaluate how fast they operate, their fee structure, supplementary services, and their accessibility.
Step 2: Submit Application Online
The online application systems offered by most providers enable international students to access simplified admission processes. The steps typically include:
- Registration: Sign up on the provider’s website.
- Personal Information: Enter details such as full name, date of birth, and contact information.
- Document Upload: Submit scanned copies of your passport, university admission letter, and any other required documents.
- Identity Verification: Complete the KYC (Know Your Customer) verification, which may involve a video call or additional documentation.
Step 3: Transfer Funds
Once your application is processed, you’ll receive the account details and be required to deposit the minimum amount:
- Amount to Transfer: €13,092 (as of 2025)
- Transaction Time: International bank transfers may take 3-7 business days, so transfer funds well in advance of your visa appointment.
- Additional Charges: Be mindful of bank transfer fees and currency exchange rates.
Step 4: Obtain Confirmation
After the funds are deposited, the provider will issue a Blocked Account Confirmation Certificate, which is essential for your visa application.
- Processing Time: Typically 24-72 hours after the funds are received.
- Visa Requirement: Submit this confirmation, along with other visa documents, at the German embassy or consulate.
Alternatives to a Blocked Account
1. Scholarships:
- Scholarships from recognized institutions, government programs, or private organizations can exempt students from needing a blocked account in Germany.
- These scholarships must meet the minimum financial requirement set by German authorities.
| Example: DAAD (German Academic Exchange Service) offers fully-funded scholarships for international students. |
2. Parental Income Proof:
- Instead of a blocked account in Germany, you can submit proof that your parents (or legal guardians) can financially support you during your stay.
- Documents required are bank statements, salary slips, and affidavit of financial support.
| Example: If your parents earn above a certain threshold, their income documentation may be accepted instead of a blocked account. |
3. Bank Guarantee:
- A bank guarantee (Bankbürgschaft) is a formal agreement where a German financial institution guarantees your financial stability.
- Instead of depositing money into a blocked account, a bank provides a guarantee letter to the authorities, confirming they will cover your expenses if needed.
| Example: Some banks offer this service, but it often requires collateral or a guarantor within Germany. |
Always check with the German embassy or consulate in your country to confirm eligibility for these alternatives.
4. Obligation Letter (Verpflichtungserklärung)
An Obligation Letter, officially called a Verpflichtungserklärung, is a written commitment by a sponsor in Germany, often a relative, friend, or organisation, who guarantees to cover your living costs during your stay.
- The sponsor must be a German resident with sufficient financial means.
- They submit this guarantee at the local immigration office (Ausländerbehörde), which then issues an official letter for your visa application.
- The obligation covers all living costs, including accommodation, food, healthcare, and potential return travel expenses.
| Example: If you have a family member living in Germany with a stable income, they can sign a Verpflichtungserklärung on your behalf, removing the need for you to open a blocked account. |
Read More → Unlock Your Career Potential with the Germany Job Opportunity Card.
Challenges and Solutions
Many applicants encounter roadblocks for a blocked account in Germany that can lead to delays, extra costs, or even rejections. Below are some common challenges and practical solutions for a smooth and stress-free visa process.
Common Problems
1. Delays in Processing
- Processing times can vary depending on the provider, time of year, and documentation accuracy.
- Some applicants face unexpected delays, pushing back their visa appointments and travel plans.
2. High Fees and Hidden Charges
- Different providers charge varying fees for account setup, monthly maintenance, and withdrawals.
- Some services have hidden costs that can add up over time.
3. Using Unrecognized or Uncertified Providers
- Not all blocked account Germany providers are recognized by the German authorities.
- If you use a non-certified provider, your account may not be accepted, leading to visa rejection.
4. Issues with International Bank Transfers
- Transferring large amounts from certain countries can trigger compliance checks, causing further delays.
- Some banks charge high international transfer fees, reducing the final deposited amount.
5. Document Errors or Missing Information
- Incomplete or incorrect paperwork can result in processing delays or account rejections.
- Differences in name spellings, missing signatures, or incorrect bank details are common mistakes.
How to Overcome Them
1. Choose Certified Providers
- Use only officially recognized blocked account providers such as Fintiba, Expatrio, or Deutsche Bank to ensure compliance.
- Check the German Federal Foreign Office website to verify approved providers.
2. Apply Early
- Start your blocked account Germany process at least 6-8 weeks before your visa appointment to allow time for verification and transfers.
- Peak seasons (June–September) tend to have longer processing times, so plan accordingly.
3. Compare Fees Before Choosing a Provider
- Review account setup fees, monthly charges, and withdrawal costs to find the best option.
- Some providers offer discounts for students or package deals that include health insurance.
4. Ensure Accurate Documentation
- Double-check all details before submission, including passport information, visa type, and financial statements.
- Ensure the name on your blocked account matches your passport exactly to avoid discrepancies.
5. Use Reliable Banking Channels for Transfers
- Choose international banks with lower transfer fees or online services like Wise or Revolut for better exchange rates.
- Always transfer a slightly higher amount to cover potential bank deductions and ensure compliance with the minimum balance requirement.
Get Your Blocked Account in Germany With Visa Axis!
To get a blocked account in Germany make sure to prepare early, have the right knowledge, and get guidance from experts like Visa Axis.
They provide expert guidance from professionals specializing in entrepreneurs, job seekers, and work visas. As one of India’s most trusted immigration and visa consultants, they offer clear and reliable support for individuals looking to study or work in Germany, Canada, and Australia, ensuring full compliance with official requirements.
FAQs
1. What is a blocked account in Germany?
A special account required for non-EU visa applicants to prove financial stability.
2. How much is the blocked account amount for 2025?
€11,904 annually, with monthly withdrawals capped at €992.
3. Can I open a blocked account after arriving in Germany?
It’s recommended to open it before arriving for visa purposes.
4. Are there alternatives to blocked accounts?
Yes, including scholarships, parental income, or bank guarantees.
5. What happens to unused funds in a blocked account?
Unused funds are refunded upon closure of the account.
