Complete Guide to Opening a Blocked Account for International Students in Germany (2025)

Complete Guide to Opening a Blocked Account for International Students in Germany (2025)

Studying abroad comes with its own set of challenges. At IMFS, we understand that one of the most common concerns for international students is understanding the documentation required to transition smoothly into daily life in Germany. One critical document for students heading to Germany is a Blocked Account (Sperrkonto). In this guide, we’ll cover everything you need to know about blocked accounts—what they are, why you need one, and how to open a blocked account from India without a German address.

What Is a Blocked Account?

A Blocked Account (Sperrkonto) is a special type of bank account required for visa applications by international students in Germany.

• Ensures students have sufficient funds to cover living expenses.
• The deposited amount is “blocked” and can only be withdrawn in fixed monthly installments.

Why Do International Students Need a Blocked Account?

• A proof of financial resources (Finanzierungsnachweis) is mandatory for a German student visa.
• The minimum required amount for 2025 is €11,208 (€934 per month for 12 months).
• Without a blocked account or alternative proof (scholarship, sponsorship), a visa application may be rejected.

How to Open a Blocked Account Without a German Address

1. Choose an Approved Blocked Account Provider

The provider must be recognized by the German Federal Foreign Office. Popular options include:

• Fintiba (www.fintiba.com)
• Expatrio (www.expatrio.com)
• Coracle (www.coracle.de)
• Deutsche Bank (www.deutsche-bank.de) (longer processing time).

2. Submit an Online Application

• Fill out the application form on the chosen provider’s website.
• Upload the required documents.

3. Required Documents (While in India, Without a German Address)

• Valid Passport (scanned copy).
• University Admission Letter (Zulassungsbescheid).
• Visa Application Confirmation (if applicable).
• Proof of Funds (Bank Statements or Sponsorship Letter).
• Completed Application Form (Varies by Provider).

4. Identity Verification

• Online Verification (Fintiba, Expatrio, Coracle): Done via video call (passport required).
• Notarized/Apostilled Verification (Deutsche Bank):
  • Visit a German consulate or authorized notary in India.
  • Get passport copies notarized and apostilled before submission.

5. Transfer the Required Amount

• Minimum deposit for 2025: €11,208 (€934 per month).
• Pay any additional provider fees.

6. Receive Blocked Account Confirmation Letter

• The provider will send a confirmation letter via email.
• This letter is required for the German student visa application.

7. Accessing Funds After Arrival in Germany

• Open a regular German bank account (Girokonto).
• Link it to the blocked account.
• Withdraw monthly allowances (€934/month) from the blocked account.

Important Notes About Blocked Accounts

• Some providers (e.g., Deutsche Bank) require an in-person visit to a German consulate in India for document verification.
• The blocked account confirmation is valid for visa applications even without a German address.
• Students must provide a German address after arrival to access funds.

Legal Restrictions on Blocked Account Funds

• Purpose: To prove financial self-sufficiency for a student visa.
• Monthly Withdrawal Limit: Students can only withdraw €934 per month (as of 2025).
• No Early Withdrawals:
  • Funds cannot be accessed in full before completing the required stay duration.
  • The account cannot be used as a savings or emergency fund.
• Linked to a German Bank Account:
  • Once in Germany, students must open a regular German bank account (Girokonto).
  • The blocked account transfers €934/month to this personal account for monthly use.
  • Blocked accounts are monitored by German Authorities; students must arrange separate funds (e.g., through part-time jobs) if they spend more than the allowance of €934/month.
  • Misuse of the account can lead to visa complications.

Exceptions & Special Cases

• Extending the Visa:
  • If a visa extension requires additional proof of funds, the student may need to deposit more money into the blocked account.
• Early Closure & Refund (If Leaving Germany or Visa Rejection):
  • Students leaving Germany permanently or whose visa is rejected can request a refund.
  • Requires official documents such as:
    • Proof of visa rejection or university withdrawal.
    • Proof of departure from Germany.
    • Bank details for refund transfer.

Final Thoughts

Opening a blocked account is a crucial step for international students planning to study in Germany. By following this step-by-step guide, you can ensure a smooth application process, avoid visa delays, and secure your financial stability while living and studying abroad. At IMFS, we aim to make your transition seamless—from documentation to cultural integration.

Need help with your German student visa application? Get in touch with our expert team at IMFS for personalized guidance!