What is a Blocked Account?
A German Blocked Account (Sperrkonto) is a special type of bank account required by German authorities as proof of sufficient financial resources for student visa and job seeker visa applicants. To qualify for a visa in 2025, you must deposit €11,904 before arriving in Germany. Once in Germany, you can withdraw up to €992 per month to cover your living expenses. This system assures the authorities that you can support yourself financially during your stay, which is a key requirement for visa approval.
While there are alternative ways to show financial proof, most international students prefer the blocked account because it is the most straightforward and widely accepted option. The process begins before you move to Germany: you open the account with an approved provider, deposit the required amount, and receive a blocking confirmation for your visa application. After arriving in Germany, you apply for a residence permit and open a local current account. With these two documents, you can activate your blocked account online. Once activated, a fixed sum of €992 is transferred monthly from your blocked account to your local bank account, ensuring your funds last for the entire 12-month period.
Where Can You Open a Blocked Account?
Indian students have several options:
- German Banks– Some banks in Germany allow international students to open accounts directly.
- International Providers Approved by German Embassies– Popular options include Fintiba, Expatrio, Coracle, and Deutsche Bank. These are faster and often fully online.
- Local Partner Banks– Some Indian banks work in collaboration with German financial service providers.
Always check the German Embassy or Consulate’s official website for the updated list of approved providers.
Step-by-Step Process to Open a Blocked Account
- Choose an Approved Provider
Compare providers based on fees, processing times, and extra services (like health insurance packages). - Complete the Online Application
Fill in your personal and study details. You’ll usually need your passport copy and admission letter. - Deposit the Required Amount (€11,208)
Transfer the funds via international bank transfer. Ensure you allow time for clearance, as it may take a few working days. - Receive Confirmation
Once the deposit is confirmed, you’ll get a blocked account confirmation letter. This document is essential for your visa interview. - Access Funds After Arrival in Germany
When you arrive, you must activate your blocked account by registering your local address (Anmeldung) and opening a current account. Each month, a fixed amount (approx. €934) will be transferred from your block account to your current account for your daily expenses.
Things to know!
- Apply for your blocked account at least 4–6 weeks before your visa appointment.
- Keep extra funds ready for transfer fees and currency fluctuations.
- Check whether your provider also offers student health insurance, as you’ll need it for your visa.
Opening a blocked account is a crucial part of your German student visa application. Without proof of sufficient funds, your visa will not be approved. By starting early, choosing the right provider, and keeping your documents organized, you can complete this step smoothly.
At Global Minds India, we assist students with choosing the right blocked account provider, completing the application, and preparing all required documents for the German student visa. With our support, you can focus on your education while we simplify the process.
Call: +91 7353446655 ; +91 9071331230
Visit: www.globalmindsindia.com
