Germany Blocked Bank Account (Sperrkonto) Process Valid for 2026
If you plan to study in Germany for either spring or fall 2026 intakes as an international student from a non-EU/EEA country, one of the first requirements you’ll face is proving that you can financially support yourself. This proof of funds – called Finanzierungsnachweis – is essential for both your German student visa and residence permit.
While there are a few ways to provide this proof, most students choose the Blocked Account (Sperrkonto). This guide walks you through everything you need to know in 2025 – from the updated amount you need to deposit, to choosing the right provider, and managing withdrawals once you arrive.
What Is a Blocked Account?
A blocked account is a special type of bank account that holds enough funds to cover your living costs in Germany for one year. You can’t access the full amount all at once – instead, you withdraw a fixed amount each month to pay for rent, food, transport, and other expenses.
As of today (August 2025), the minimum deposit requirement for international students is €11,904 per year, or €992 per month for German student visa application (Ref). This amount is set by German authorities to reflect the estimated cost of living for a single student. While €11,904 is the minimum to get your visa, you can deposit more if you wish to have extra funds available during your stay.
Do I need a blocked account if I have a scholarship or fellowship in Germany?
Q: I’ve won a German scholarship or fellowship. Do I still need to open a blocked account?
A: Not if your scholarship or fellowship fully covers your living expenses at the official 2025 rate of €992 per month (€11,904 per year) and you have an official award letter stating the amount, funding duration, and guarantee of payment. In that case, the award letter can serve as your proof of financial resources (Finanzierungsnachweis) for the visa.
Q: What if my scholarship covers only tuition or part of my living expenses?
A: You’ll need to provide proof for the remaining amount — most students do this by opening a blocked account for the shortfall.
Q: What documents should I show instead of a blocked account?
A: An official scholarship or fellowship confirmation letter in German or English, stating:
-
- Monthly amount you will receive
- Duration of funding
- Confirmation that funds are guaranteed
Q: Can I combine a scholarship and blocked account?
A: Yes. If your scholarship is less than €992/month, you can open a blocked account with the difference to meet the requirement.
Scholarship or Fellowship VS Blocked Account Requirement for 2026
| Funding Situation | Monthly Funding | Need a Blocked Account? | Notes |
|---|---|---|---|
| Full funding from scholarship/fellowship | ≥ €992/month for full stay | No | Award letter must clearly state amount, duration, and guarantee of payment. |
| Partial funding (covers only tuition or part of living costs) | < €992/month | Yes – for the shortfall | Blocked account required for the remaining monthly amount. |
| Funding paid after arrival (lump sum) | Any amount | Usually Yes | Embassy may require blocked account to ensure immediate access to funds. |
| Funding shorter than visa duration | Any amount | Yes – for remaining months | Proof of funds for the entire stay is mandatory. |
How to Open a Blocked Account in 2026?
Opening a blocked account is easier than it used to be, especially with online providers. Here’s how the process works:
- Choose your provider – Popular options include Fintiba, Expatrio, or Deutsche Bank.
- Complete the application –
- Fintiba/Expatrio: Fully online application, approval within minutes.
- Deutsche Bank: Download and fill out forms, then submit via the German embassy.
- Provide required documents – Usually just your passport for online providers; Deutsche Bank may also ask for your admission letter and proof of funds.
- Deposit your funds – Transfer at least €11,904 plus any service fees.
- Receive your confirmation – This is the proof you’ll need to submit with your visa application.
Documents You May Need to Open Blocked Bank Account
- For Fintiba/Expatrio: Valid passport or ID.
- For Deutsche Bank:
- Passport
- Account Opening Application form
- University admission letter
- Proof of prepaid tuition fees (if any)
- Bank statement showing source of funds
Fintiba VS Deutsche Bank Blocked Bank Account Opening Comparison
Here’s how the most common options compare in 2026:
| Feature | Fintiba | Deutsche Bank |
|---|---|---|
| Account opening time | ~10 minutes (online) | Several weeks |
| Online application | Yes | No |
| Monthly maintenance fee | €4.90 | €5.90 |
| Initial service fee | €89.00 | €150.00 |
| Document attestation | Not required | Required at embassy |
| Monthly withdrawal limit | €992 | €992 |
| Visa delay risk | Very low | Higher due to processing time |
| Health insurance options | Yes | No |
| Age restriction | 18+ only | Available for under-18s |
| Support response | Fast | Moderate |
| Approved by German authorities | Yes | Yes |
Tip: Most students choose Fintiba or Expatrio for their speed and simplicity. Deutsche Bank can be slower and requires more paperwork, but may be preferred in some regions.
Withdrawing Money After You Arrive in Germany
Once in Germany, you’ll need to open a regular student bank account with a local bank. Your blocked account provider will then transfer up to €992 per month into your regular account. This monthly limit is fixed unless you deposited extra funds initially.
Answers to Frequently Asked Questions About Blocked Account
Can I deposit more than €11,904?
Yes, you can add more to cover extra expenses.
What happens if my visa is refused?
You’ll receive a refund of your blocked amount, minus any service fees.
Do I need to prove where my money comes from?
Fintiba/Expatrio typically don’t ask. Deutsche Bank often requires proof.
Is my money safe?
Yes – German banks are part of the national deposit protection scheme.
Are there alternatives to a blocked account?
Yes – for example, a formal obligation letter (Verpflichtungserklärung) from a relative or sponsor in Germany.
Final Advice for New Applicants
Open your blocked account as soon as you receive your university admission letter or Daad scholarship offer letter. Processing times at peak admission season can cause delays – especially with Deutsche Bank – so applying early ensures you won’t miss your visa appointment.
By planning ahead and choosing the right provider, you can make your blocked account process smooth and stress-free, letting you focus on preparing for your new life in Germany.
Visit daadscholarship.com for More Fully-funded Scholarships 2026 News.