How to open a blocked account (Sperrkonto) for Germany

Planning to study in Germany? Discover why a blocked account is essential for your student visa, how much money to block, and a simple guide to set it up from anywhere. Plus, learn about post-setup steps and handy tips to ease your transition.

Why You Need a Blocked Account in Germany for Your Student Visa

Imagine touching down at Berlin Brandenburg with a full suitcase but no financial security in sight. To get your student visa, the German Foreigners’ Office demands proof you can support yourself during your studies. That’s where the blocked account – called Sperrkonto – comes in.

A blocked account is a special bank account where you deposit a fixed sum (currently 12 030 €, including the 11 904 € required for the year plus visa fees). This money is locked until you start your studies in Germany. Once there, you can withdraw a capped amount each month (about 992 €), covering rent, groceries, and living expenses.

By setting up a blocked account, you meet two crucial requirements. First, you prove to German authorities that you won’t become a financial burden on the state. Second, you ensure a reliable monthly income to help you focus on lectures, exams, and making friends – instead of scrambling for cash.

Most banks and service providers offer online procedures that guide you through identity verification, payment of opening fees, and fund transfer. Once confirmed, you receive an official letter to include in your visa application.

Securing a blocked account early clears a major hurdle on your path to a German university. Next, you can explore accommodation, health insurance, and travel arrangements with peace of mind.

How Much Money You Need to Block for Your German Account

Starting in 2025, German authorities require international students to block at least €12 030 in a dedicated escrow account (called an “Sperrkonto”). This amount represents a minimum of €1 002,50 per month over 12 months — a figure set each year to reflect the latest cost-of-living data (rent, groceries, public transport, health insurance).

How is this calculated? The Federal Foreign Office analyzes average living expenses in major student cities like Berlin, Munich or Frankfurt. They divide the total annual estimate by twelve and round up to ensure every student can cover basic needs without financial stress. In practice, your €12 030 deposit guarantees you at least €1 002,50 released monthly by your bank until the year ends.

Keep in mind:

• The deposit itself stays locked until you arrive in Germany and verify your registration (Anmeldung).
• You’ll pay a one-time account setup fee (around €70) and moderate monthly maintenance charges (roughly €4,70).
• If you plan to study for longer than 12 months, you must top up the blocked account accordingly before expiration.

Secure your student visa faster by preparing your full blocked amount in advance — and start your journey in Germany with financial peace of mind. Studely makes it simple!

Step-by-Step: Opening Your Blocked Account from Abroad

Opening a blocked account from your home country might sound daunting, but by breaking it down into clear steps, you’ll have everything ready by the time you land in Germany.

1. Choose a reliable provider.
Compare fees (around €70 for account opening, and approximately €56 in monthly charges for the visa funds), supported languages, and estimated processing times. Make sure the platform offers a German IBAN and both virtual and physical cards.

2. Register online.
Most providers allow you to complete the KYC process via video call or by uploading your passport and proof of address. Fill in your personal details, double-check your email, and schedule any required video verification within 3–7 days.

3. Transfer your visa funds.
Once your application is approved, you’ll receive your banking details along with instructions to transfer the required amount—currently €12,030. Make an international transfer from your local bank or use a remittance service to reduce fees. Ensure the reference code matches your account number exactly.

4. Receive your confirmation.
After your funds are received (usually within 2–5 business days), the bank will block the amount and send you the official blocked account confirmation letter. This document is essential for your visa appointment at the German consulate. Keep it safe, print extra copies, and you’ll be one step closer to starting your studies in Germany.

After Your Account Is Set Up: Next Steps and Monthly Withdrawals

So, you’ve activated your blocked account and landed in Germany — congratulations! The next step is to open a local bank account, commonly called a “Girokonto.” Most German banks — like Deutsche Bank, Commerzbank, or Sparkasse — offer student packages with no monthly fees. Bring your passport, visa, and proof of enrolment to a branch, or use online ID verification to complete the process in just a few minutes.

Once your Girokonto is active, the €992 monthly release from your blocked account will be transferred automatically within 1–2 business days. Use your EC card to withdraw cash at ATMs or to pay rent and utilities via SEPA transfer.

Tip: Set up a standing order to transfer the €992 on the same day each month — this way, you’ll never miss rent deadlines. To avoid extra fees, top up your Girokonto from abroad only when necessary.

Download your bank’s mobile app to track your expenses, set spending limits, and schedule payments. With a local account and these simple habits, you’ll gain smooth access to your funds — and can focus fully on your new life at university.

Tips, Resources, and Next Steps

Opening a German blocked account can feel overwhelming, but with a few simple steps and the right resources, you’ll stay on track with ease.

Start by checking the official German embassy website for the latest visa requirements and the current minimum deposit amount. Then, gather certified copies of your passport, university admission letter, and proof of financial means.

Use online calculators to make sure your €12,030 deposit meets the visa criteria. For seamless tracking and peace of mind, take advantage of Studely’s free checklist and detailed step-by-step tutorials.

If you have questions along the way, join international student forums or reach out to your provider’s customer support team well in advance.

And don’t forget: save all important deadlines in your calendar to ensure you never miss your embassy appointment or document submission window.

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