Germany Blocked Account 2026: ₹11.5 Lakhs Requirement Explained

What is a Blocked Account (Sperrkonto)?

A blocked account (Sperrkonto) is a special type of German bank account required for international students applying for a German student visa. It serves as proof to the German Embassy that you have sufficient funds to cover your living expenses during your first year of study in Germany.

The money deposited in this account is "blocked" — meaning you cannot withdraw the full amount at once. Instead, a fixed monthly amount (currently €992) is released to your regular German bank account after you arrive and register in Germany.

Important: Without a valid blocked account or equivalent proof of funds, your German student visa application will be rejected. This requirement applies to all non-EU students, including Indian students who form the largest group of international students in Germany (over 49,500 as of 2023-24).

Blocked Account Amount 2026: How Much Do You Need?

The blocked account amount increased from €11,208 to €11,904 from September 1, 2024, due to rising living costs in Germany. This amount is set by the German government and reviewed annually.

Pro Tip: Always check the latest requirements on the German Embassy website before applying, as amounts may change.

Why is a Blocked Account Required?

The German government requires proof of financial resources to ensure that international students can support themselves without relying on German social welfare systems. The blocked account serves multiple purposes:

• Visa Requirement: Mandatory for student visa applications from non-EU countries
• Financial Security: Ensures you have funds for rent, food, health insurance, and daily expenses
• Monthly Budgeting: The €992/month release helps students manage finances responsibly
• Residence Permit: Required when converting your visa to a residence permit in Germany

Best Blocked Account Providers Compared (2026)

Three main providers offer blocked accounts for international students. Here's a detailed comparison to help you choose:

1. Expatrio (Recommended for Indian Students)

• Setup Fee: €49 (one-time)
• Processing Time: 1-3 business days
• Monthly Fee: €0 (free account maintenance)
• Acceptance: Recognized by all German embassies worldwide
• Pros: Fastest processing, excellent English support, mobile app, free IBAN for receiving funds
• Cons: Slightly higher setup fee than some alternatives
• Best For: Students who need quick processing and reliable customer support

2. Fintiba

• Setup Fee: €89 (one-time)
• Processing Time: 2-5 business days
• Monthly Fee: €4.90/month
• Acceptance: Recognized by all German embassies
• Pros: Insurance bundles available, established provider (300,000+ students served)
• Cons: Higher fees, slower processing
• Best For: Students who want bundled health insurance options

3. Deutsche Bank

• Setup Fee: €0 (free)
• Processing Time: 2-4 weeks
• Monthly Fee: Varies by account type
• Acceptance: Recognized by all German embassies
• Pros: No setup fee, traditional banking
• Cons: Requires in-person appointment at German consulate, very slow processing
• Best For: Students with plenty of time before visa appointment

Step-by-Step Process to Open a Blocked Account

1. Choose Your Provider — We recommend Expatrio for Indian students due to faster processing and better support. Compare fees and features before deciding.
2. Create an Online Account — Register on the provider's website. Enter your personal details exactly as they appear on your passport (name spelling, date of birth, etc.).
3. Complete Identity Verification — Upload a clear scan of your passport. Some providers may require video verification.
4. Upload Required Documents — Typically includes passport copy and university admission letter (Zulassungsbescheid).
5. Transfer Funds from India — Send €11,904 + setup fee from your Indian bank account. Use Wise or Remitly for better exchange rates.
6. Receive Confirmation Letter — Once funds are received, you'll get a blocking confirmation (Sperrbescheinigung) within 1-5 days.
7. Submit for Visa Application — Include the confirmation letter with your German student visa application.

How to Transfer Money from India: Save on Fees

Transferring ₹10+ lakhs from India to Germany can be expensive if you use traditional banks. Here's how to save money:

Money-Saving Tips:

• Use Wise instead of banks — Save ₹15,000-35,000 on exchange rate markups
• Transfer in one bulk payment — Avoid multiple transaction fees
• Budget ₹50,000 extra — For exchange rate fluctuations and unexpected fees
• Check TCS implications — Transfers above ₹7 lakhs attract 5% TCS (Tax Collected at Source), claimable as refund when filing ITR
• Time your transfer — Monitor EUR/INR rates and transfer when favorable

Common Mistakes to Avoid

• ❌ Transferring less than €11,904 — Your visa will be rejected. Always transfer the exact amount plus setup fees.
• ❌ Name mismatch with passport — Your name on the blocked account must match your passport exactly. Even small spelling differences can cause visa rejection.
• ❌ Waiting until the last minute — Start the process 4-6 weeks before your visa appointment. Fund transfers can take 3-7 business days.
• ❌ Forgetting setup fees — Budget €49-89 extra for provider fees on top of €11,904.
• ❌ Using incorrect bank details — Double-check IBAN and SWIFT codes before transferring large amounts.
• ❌ Not keeping proof of transfer — Save all receipts and confirmation emails for your visa interview.

After Arriving in Germany: How to Access Your Funds

Once you arrive in Germany and complete your city registration (Anmeldung), here's what happens:

1. Register your address — Visit the local Bürgeramt within 14 days of arrival
2. Open a German bank account — N26, DKB, or Sparkasse are popular options
3. Link your blocked account — Provide your new German IBAN to your blocked account provider
4. Receive monthly disbursements — €992 is automatically transferred to your German account each month

Frequently Asked Questions (FAQs)

Can I use the blocked account money in Germany?

Yes! Once you arrive and register in Germany, €992 is released to your regular German bank account every month. You can use this for rent, groceries, transportation, and other living expenses.

What if I don't use all the money?

Any remaining balance after your studies can be transferred back to India or kept in Germany. There are no restrictions on unused funds.

Do scholarship students need a blocked account?

Not if your scholarship covers €992+/month in living expenses. You'll need to provide a scholarship confirmation letter instead. Check with the German Embassy for specific requirements.

Can I open a blocked account without an admission letter?

Yes, most providers allow you to open an account before receiving your admission letter. However, you'll need to upload the admission letter later to complete the process.

How long is the blocked account confirmation valid?

The confirmation letter (Sperrbescheinigung) is typically valid for 6-12 months. If your visa appointment is delayed, you may need to request an updated letter.

What happens if my visa is rejected?

If your visa is rejected, you can request a refund of your blocked account funds (minus any fees). Contact your provider for their specific refund process.