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Germany Blocked Account: How to Open a Blocked Account for Germany?

Germany Blocked Account: How to Open a Blocked Account for Germany?

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Know everything about Germany blocked account, amount required, step by step process, documents required & how to manage funds for Germany blocked account.

Mansi Bisht
Updated on:  25 Oct 2023  | Reviewed By: 
| 2.14K | 7  min read
What is blocked account for germany student visa


If you're an international student planning to pursue higher education in Germany, you've likely encountered the term "blocked account" in your research. Opening a blocked account is a mandatory requirement for many students applying to German universities. It serves as proof of financial stability and ensures that you have sufficient funds to cover your living expenses during your stay. Understanding the process of opening a blocked account is vital to meet the visa requirements and successfully embark on your educational journey in Germany.


What is a blocked account?

A blocked account Germany, also known as "Sperrkonto" in German, is a specific type of bank account that international students or professionals must open before arriving in Germany. Blocked account is used to serve as a means to prove sufficient financial resources to cover living expenses while studying or working in the country. The account "blocks" a predetermined amount of funds set by the German authorities, and restricts withdrawals to a specified monthly limit. 

In order to demonstrate their financial stability during the initial year of study in Germany, international students are obligated to transfer a minimum of Germany-blocked account amount of €11,172. This amount will be held in a bank account and inaccessible until the student's arrival in Germany. On a monthly basis, the student will be able to withdraw €931 to cover their living expenses while residing in the country.

It is advisable for candidates to maintain a slightly higher amount in blocked account Germany than the minimum required, as the bank may apply service charges for opening the account. Ideally, the funds in the blocked account Germany should be sufficient to cover expenses such as accommodation, living costs, and transportation passes for students studying in Germany.


What is the purpose of opening a blocked account for Germany?

The main purpose of the Germany-blocked account is to ensure that individuals have access to enough funds to support themselves during their stay in Germany. This requirement guarantees that students or professionals can cover essential expenses such as accommodation, health insurance, food, and other daily needs. By demonstrating financial stability, the German government aims to avoid potential financial difficulties for foreigners during their time in the country.


How to open a Germany blocked account?

Opening a Germany-blocked account involves a few essential steps:

Step 1 - Research and select a reputable German bank or service portal such as Fintiba and Expatrio that offers blocked account services. Some popular banks include Deutsche Bank, Commerzbank, Deutsche Bank, and DKB (Deutsche Kreditbank AG).

Step 2 - Complete the application form provided by the chosen bank or portal. The form typically requires personal information, proof of identity, and details about your intended stay in Germany.

Step 3 - Transfer the required amount of money (as determined by the German authorities) into the account. This sum, generally around €11,172 for one year, will be blocked and can only be accessed in predefined monthly instalments.

Step 4 - Gather all necessary documents, such as your passport, admission letter, and proof of address, to submit along with your application.

Step 5 - Once the bank processes your application and receives the funds, they will provide you with a confirmation letter that verifies the existence of the blocked account. You can use this document to fulfill the financial requirement for your visa or work permit application. Once the Germany blocked account is opened, the bank would send a confirmation e-mail with the details to the German embassy. 


Documents required for opening a Germany blocked account

You need the following documents to open a Germany - blocked account:

  • list items Application form
  • list items Valid passport
  • list items Admission letter
  • list items A bank statement that confirms you have the required amount of money to open a blocked account
  • list items A prepaid fee

Points to keep in mind while opening a Germany blocked account

  • list items Monthly withdrawals: The Germany blocked account amount restricts monthly withdrawals to a specified amount, usually around €931. This ensures that the funds are spread out over the duration of your stay in Germany.
  • list items Health insurance: It is important to note that having health insurance is mandatory in Germany. Make sure to arrange for health insurance coverage before arriving in the country, as it is a prerequisite for opening a blocked account.
  • list items Duration and renewal: The blocked account Germany typically covers the duration of your study or work permit. If your stay extends beyond the initial period, you may need to renew or extend your blocked account accordingly.



What is the alternative to the Germany-blocked account?

While the block amount for Germany is the most common and widely accepted method of providing financial resources for international students and professionals, there are alternative options available. It is important to note that the acceptance of these alternatives may vary depending on the specific circumstances and the requirements set by the German authorities. 

While block amount for Germany is the standard method for demonstrating financial stability, there may be alternative options available. Here are some alternative options that may be considered.It is crucial to remember that each alternative option has its own specific requirements and may not be applicable in all cases. It is always best to seek advice from the relevant authorities or consulate to ensure that you fulfill the financial requirements for your specific situation.

The Germany-blocked account plays a vital role in facilitating the financial stability of international students and professionals during their time in Germany. By opening a blocked account, individuals can demonstrate their ability to cover living expenses, ensuring a smooth and successful experience abroad. Although the process may seem complex, obtaining a Germany-blocked account is a manageable task with the right information and preparation. Plan ahead, choose a reputable bank, and fulfill all the requirements to embark on your German journey with confidence. 

In conclusion, opening a blocked account in Germany is a necessary requirement for international students planning to study in the country. It ensures financial stability and covers living expenses during their stay. If you're considering studying in Germany and need financial assistance, GyanDhan is here to help. We specialize in providing education loans for students pursuing their dreams in Germany. Our dedicated team can guide you through the loan application process, offering personalized support and competitive interest rates. Don't let financial constraints hold you back from your educational aspirations. Check your education loan eligibility with GyanDhan today and take the first step towards a successful academic journey in Germany.

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Frequently Asked Question

Why do I need a blocked account for studying in Germany?

German authorities require international students to open a blocked account to demonstrate their financial ability to support themselves during their studies. It ensures that students have access to a specific amount of funds for living expenses while they are in Germany.

What is the minimum amount for the blocked account of Germany?

The current requirement is to transfer a minimum amount of €11,172 to the blocked account. This amount may be subject to change, so it's important to check the latest regulations from the German embassy or consulate.

How much amount can I withdraw from the Germany blocked account?

Students are allowed to withdraw a certain amount of money from the Germany blocked account on a monthly basis to cover their living expenses. As of now, the permitted monthly withdrawal is €931 euros.

Can I use the blocked account for paying tuition fees?

No, the blocked account is specifically meant to cover your living expenses in Germany. Tuition fees and other academic expenses should be paid separately to the educational institution.

How long does it take to open a blocked account?

The timeline for opening a blocked account can vary depending on the bank and the completeness of your application. Generally, it can take a few weeks to process the application and receive the account details.

What happens to the funds in the blocked account after my studies?

Once you have completed your studies and leave Germany, you can close the blocked account and withdraw the remaining funds. However, it's important to consult with your bank regarding the specific procedure for closing the account and any applicable fees.

How to transfer money to the blocked account in Germany?

Money in Germany's blocked account can be transferred via an International wire transfer that transfers funds from your bank account in your home country to the blocked account in Germany or an online money transfer service that transfers funds online TransferWise, PayPal, or other similar services.

Which bank is good for blocked account in Germany?

Best banks for Germany-blocked accounts are Deutsche bank blocked amount, and Commerzbank. Apart from banks there are several online platforms as well such as Fintiba, Deutsche Kreditbank, and Expatrio.

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