Can You Customize Blocked Account Disbursements in Germany?
If you’re an international student planning to study in Germany, you’ve probably heard about the blocked account — a mandatory financial requirement to secure your student visa. One common question students ask is: Can I customize the disbursement of funds from my blocked account?
The short answer is: no, not really. Here’s why — and what you can do instead.
What Is a Blocked Account
When you apply for a German student visa, you must prove that you have enough money to cover living costs. A blocked account, or Sperrkonto, is a special bank account designed for this purpose. You deposit a lump sum—currently 12,030 € into the account before you arrive. The bank then ‘blocks’ these funds and releases a fixed monthly amount to you, ensuring you can’t spend it all at once.
Can You Customize the Disbursement Schedule?
- Monthly Disbursement: Each month, you can access up to €992 (based on €12,030 ÷ 12) to cover your rent, groceries, and daily expenses.
- Withdrawal Rules: Funds are released once a month. Attempting to withdraw more without approval may result in additional fees or require official justification.
- Account Duration: The blocked account remains active for 12 months—or longer if your academic program extends beyond a year—ensuring steady financial support throughout your stay.
- Smart Features: Some providers offer digital tools like real-time balance notifications, intuitive dashboards, or linked debit cards to simplify your daily transactions.
By understanding these guidelines early on, you’ll be able to manage your budget with confidence from day one. Setting up your blocked account before applying for your visa gives you peace of mind and a clear framework for handling your living costs in Germany.
Why Isn’t It Flexible?
The blocked account system is intentionally inflexible to:
- Guarantee long-term financial security
- Prevent misuse of funds
- Comply with visa conditions set by the German Foreign Office
Immigration officers verify that you will have access to at least €934 each month — no more, no less. This standard ensures that all students meet the minimum subsistence level set by the German government.
Are There Any Exceptions?
While full customization is not possible, there are limited options for flexibility:
1. Emergency Disbursements
Some providers may allow early access to a portion of your funds in case of:
- Medical emergencies
- Legal issues
- Visa-related delays
You’ll usually need to submit proof and request approval.
2. Additional (Non-blocked) Accounts
You can receive extra money from your parents, sponsors, or part-time jobs into a separate, regular bank account in Germany. This gives you more flexibility without touching the blocked amount.
3. Supplementary Income
As a student, you’re allowed to work part-time in Germany:
- 120 full days or 240 half-days per year
- This extra income is not subject to blocked account restrictions
How Studely Supports You
While the disbursement itself cannot be customized, Studely makes the process easier by offering:
- Fast account opening with support in French and English
- Visa-compliant documentation
- Local customer support once you’re in Germany
- Option to combine the blocked account, accommodation, and student support services
Blocked account disbursements in Germany cannot be customized due to strict immigration regulations. Monthly withdrawals are fixed at €992 to ensure students meet the subsistence minimum. While you can’t change the schedule, you can work, receive extra funds, or contact your provider in emergencies.
Understanding these rules early on helps you plan your budget wisely, avoid surprises, and stay compliant throughout your studies.