Can You Customize Blocked Account Disbursements in Germany?

What is a blocked account?

To obtain a German student visa, you must prove that you have sufficient financial resources to cover your expenses during your studies.

The blocked account, or Sperrkonto, is a bank account specifically designed for this purpose.

Before your arrival in Germany, you must deposit a specific amount into it, currently set at €12,030.

This money is then blocked and gradually released as monthly payments to prevent all funds from being spent at the beginning of your stay.

Can the payment schedule be customized?

Monthly Disbursements

Each month, you can access a maximum amount of €992, intended to cover:

• rent;
• food;
• transportation;
• daily expenses.

Withdrawal Rules

Funds are released once a month.

Any additional withdrawal requests may incur fees or require official justification.

Blocked Account Duration

The blocked account generally remains active for twelve months, or longer if your study program extends beyond that.

This ensures a steady source of income throughout your stay.

Digital Services Offered

Some providers offer:

• real-time balance notifications;
• an online dashboard;
• a bank card linked to the account.

These tools make it easier to manage your daily budget.

Why is the system so strict?

The operation of the German blocked account was deliberately designed to be rigid in order to:

• ensure the financial security of students;
• prevent any misuse of funds;
• comply with the requirements of the German Federal Foreign Office.

German authorities ensure that each student has a minimum monthly amount to cover their living expenses.

This rule guarantees a consistent minimum standard of living for all international students.

Are there any exceptions?

While full customization of disbursements isn't possible, some solutions offer more flexibility.

1. Exceptional Withdrawals

Some providers may allow early access to a portion of the funds in cases of:

• medical emergency;
• legal issues;
• visa-related delays.

An application with supporting documents is usually required.

2. Standard Bank Accounts

You can receive additional funds in a standard German bank account.

Your parents, guarantor, or relatives can send you money without affecting your blocked account.

3. Income from Student Employment

International students can also work in Germany.

Legislation allows for:

• 120 full working days per year;
• or 240 half-days.

Income from salaried employment is not subject to blocked account restrictions.

How Studely supports you?

Even if monthly payments cannot be modified, Studely simplifies all procedures through:

• quick opening of the blocked account ;
• support in French and English;
• documents compliant with German visa requirements;
• local customer service once you arrive in Germany;
• the option to combine blocked account, student accommodation, and support services.

Effectively managing your budget while studying in Germany

Payments from the blocked account in Germany cannot be customized due to regulations imposed by German authorities.

The amount released each month is fixed to ensure students have sufficient funds for the entire duration of their stay.

Even though it's not possible to change this schedule, several solutions exist:

• work part-time;
• receive additional funds into another account;
• request an exceptional release in case of emergency.

Understanding these rules from the start will help you better manage your budget, avoid unpleasant surprises, and pursue your studies in Germany with complete peace of mind.