Blocked Account Germany 2026Complete Guide for Students
Planning to study in Germany? Learn everything about the Sperrkonto (blocked account) - how much you need, how to open one, and the step-by-step process.
2026 Required Amount: 11,904 EUR
As of January 2026, the German government requires 992 EUR per month (11,904 EUR/year) for non-EU students. This amount may change annually. Always verify the current requirements before your visa application.
What is a Blocked Account?
A Sperrkonto proves to German authorities that you have enough money to live in Germany
Visa Requirement
Required for non-EU students applying for a German student visa. The embassy needs proof of financial means.
Monthly Release
Money is released monthly (currently 992 EUR) so you have a steady income throughout the year.
Authorized Banks
Only specific banks are authorized to offer blocked accounts. Not every German bank can provide this service.
Documentation
You'll receive a confirmation letter to present at your visa interview. This proves your financial capability.
Online Opening
Open your account online from your home country. No need to be physically in Germany to set it up.
Activation in Germany
After arriving in Germany and registering (Anmeldung), you can activate the monthly release.
Key German Terms
Understanding these terms will help you through the process
Step-by-Step Process
Choose a Provider
Compare authorized banks and fintech providers. Consider fees, transfer times, and customer reviews.
Apply Online
Submit your application with passport, admission letter, and home address proof. Verification takes 1-5 days.
Transfer Funds
Wire the required amount (11,904 EUR) from your home country. Use SEPA or international wire transfer.
Receive Confirmation
Get your Sperrkonto confirmation letter (Sperrbestätigung). Use this for your visa application.
Activate in Germany
After arrival and Anmeldung, activate the monthly release. Funds will be transferred to your regular account.
Compare German Bank Accounts
You'll also need a regular German bank account to receive monthly releases. Compare free accounts here.
Frequently Asked Questions
What is a blocked account (Sperrkonto)?
A special bank account proving you have funds for living expenses in Germany. Money is released monthly in fixed amounts.
How much money do I need?
As of 2026, minimum 11,904 EUR/year (992 EUR/month). This amount is set by the German government.
How do I open a blocked account?
Open online through authorized banks before arriving. Required: valid passport, university admission letter, proof of address.
How long does it take?
1-5 business days for account creation. Plan 2-3 weeks total including deposit transfer.
We work with partners including Tarifcheck. This comparison is free and non-binding. Last updated: January 2026. This is not financial advice. Always verify current requirements with the German embassy.
Ready to Open Your Account?
Compare bank accounts to receive your monthly blocked account release. Free comparison, no obligation.