January 15, 2026 
Germany Blocked Account for Visa Applicants
Dreaming to Study in Germany becomes an important academic and career decision for international students. In addition to university admission and language prerequisites, proof of financial means also plays a key role in the German student visa process. German officials will also require students to present proof of funds for living expenses during their duration of stay. This is where the Germany blocked account comes in.
A blocked account is not just an empty formality, but a regulated financial protection for both the students and Germany, to guarantee that foreign students are capable of financing themselves during their study period in Germany. Here at Career Width, we often walk students through the process of opening a blocked account so that they don’t experience any delays or issues with their visa application. This blog explains the concept, requirements, amount, process, opening a blocked account, and who the providers are.
What Is a German Blocked Account?
A German Blocked Account (Sperrkonto) is a special account necessary for students from outside the EU/EEA. It’s an account that “blocks” money on a fixed amount, from which it is the only monthly withdrawal can be made by the student.
The Blocked account Germany is meant to let foreign students have a regular income every month, which they can spend on housing, food, transportation, health insurance or everyday living costs. The entire loan can not be taken out at once, so there’s no potential for money to run away with while students are still in Beihai.
For a general student who is going for higher studies, it’s officially known as the German student blocked account.
Who Needs a Blocked Account for Germany Visa?
A Blocked account for Germany visa is required for whom:
- International students from non-EU/EEA countries
- Students who are applying for a German student visa or residence permit
- No full scholarships or sponsors in Germany are available for applicants outside Germany
Even citizens of countries whose nationals can freely enter Germany often require a Germany visa blocked account in their application for the residence permit after moving.
Blocked Account Requirements Germany
The Blocked account requirements Germany are fixed by the German government and embassies. Applicants must:
- Open a certified blocked account in an authorised institution
- Credit officially stipulated sum before the visa application
- Send the certified proof of blocking directly with the visa documents.
- Submit an authentic passport and identity verification.
- That it allows monthly withdrawals according to the rules.
Failure to meet these criteria may result in delay or refusal of a visa.
Germany Blocked Account Amount for 2026
The Germany blocked account amount for the year 2026 is currently:
- €11,904 per year
- Monthly withdrawal limit: €992
This is the level of financial support for students in Germany (BAföG), and it covers normal living expenses. The monthly cap means students keep getting some financial support from the government for over 12 months.
This has to be paid in full before applying for the visa.
How Does a Germany Blocked Account Work?
A Germany blocked account operates as a simple and controlled entity:
- The student then deposits €11,904 in the blocked account
- The funds are in the bank until they arrive in Germany
- The blocked account is activated after opening a local German bank account
- Each month, €992 is credited to the local account of the student
- The remainder falls off gradually over twelve months
This system provides financial discipline and long-term support for studies.
Step-by-Step Process to Open a German Blocked Account
The process of opening a German blocked account typically comprises these steps:
1. Online Application
Students apply on an approved provider’s website and enter their personal and academic information.
1. Online Application
Students apply on an approved provider’s website and enter their personal and academic information.
3. Account Approval
Once it is approved, an IBAN and payment instructions are generated by the provider
4. Fund Transfer
The amount needed (€11,904) is paid into the account
5. Blocking Confirmation
The provider sends you an official confirmation that the Visa application is a must.
Popular German Blocked Account Providers
It is important to choose a credible vendor. Two widely accepted options are:
Expatrio Blocked Account
The Expatrio blocked account has gained popularity for international students thanks to its quick processing, English-language service and complementary offerings such as health insurance.
Fintiba Blocked Account
Another reputable provider that German embassies are familiar with is the Fintiba blocked account. It provides digital onboarding and student-friendly services.
German immigration authorities and universities recognised both providers.
Costs Associated with a German Blocked Account
Out of the blocked amount, students should also consider:
- One-time account setup fee
- Monthly maintenance charges
- Currency exchange and transfer fees
These prices vary, depending on Expatrio or Fintiba.
Alternative Financial Proof Options
Students may not need a blocked account in some cases, but they can provide:
- Scholarship certificate
- A formal sponsorship letter (Verpflichtungserklärung) is also required
- Proof of parent income
- Bank guarantee from a recognised institution
Yet the most widely accepted and simple solution remains the Germany student blocked account.
Conclusion
The Germany blocked account is a compulsory financial prerequisite for nearly all overseas students looking to study in Germany. It’s an official indication that students can handle their cost of living on their own, maturely. Knowing the Blocked account requirements Germany, Germany blocked account amount in Germany, and how to go about it right can significantly increase your chances of visa approvals.
Career Width will help you in selecting the right provider as a student, some do’s and don’ts, so that you don’t make an error in filling out your blocked account. If you plan it properly, then no financial shit should be the reason stopping you from following your educational goals in Germany.
FAQs | Germany Blocked Account for Visa Applicants
Is a Germany blocked account mandatory for all international students?
For the majority of non-EU and non-EEA students, yes, it is compulsory to have a Germany blocked account while applying for a student Visa/Residence Permit. It’s a ‘proof’ that a student can take care of their living on their own. But students on a full scholarship, or a recognised sponsor, may be excluded. German embassies make it plain as day in their visa review.
What is the current Germany blocked account amount for 2026?
Germany blocked account amount for 2026 is 11904 € or a one-year course. It is paid in monthly installments (€ 992 per month). This figure is derived from Germany’s BAföG living cost estimate. All MITT students need to pay the tuition in full before they apply for their visa.
Can I withdraw all the money from my German blocked account at once?
No, a Blocked account Germany does not provide full withdrawal, but it’s every month. The students should not take out more than the monthly cap of €992. It provides for steady funding over the year. The restriction is strictly enforced by the German immigration authorities.
Which provider should I choose: Expatrio or Fintiba?
Yes, both the Expatrio blocked account and Fintiba blocked account are officially accepted by German embassies. Expatrio has become known for its bundled services, including insurance, while Fintiba is a favourite because it’s so digital. It depends on fees, processing speed and whatever other services you need. Both are safe and secure choices.
When should I open a blocked account for Germany visa?
Students should start their Germany visa blocked account at least 6 to 8 weeks before the appointment date. Starting early could save you time on international transfer or waiting for documents to be verified. Most visa processing is smooth and stress-free when completed in a timely fashion, particularly during peak admissions season.
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