Blocked account (Sperrkonto) for a German student visa: 2026 amount

Who needs it

Non-EU students applying for a German student visa must prove they can cover their living costs (Finanzierungsnachweis, proof of financial resources). A Sperrkonto (blocked account) is the most common proof. It is usually required if you have no other accepted proof.

Other accepted proofs include:

• Verpflichtungserklärung (formal obligation letter): someone living in Germany commits to paying your costs. It is issued by their local immigration office after a financial check. Embassies usually accept it only if it is no older than six months.
• Scholarship: a scholarship from a recognised funder, with proof of the amount. If it pays less than €992 per month, you cover the gap, for example with a smaller blocked account.
• Other proof (depends on the embassy): for example, proof of your parents' income. Check the website of the German embassy or consulate in your country.

EU/EEA and Swiss citizens don't need a visa and don't need a blocked account.

How much

The amount follows the maximum rates of BAföG, the German state student grant. When BAföG rates change, the blocked account amount usually changes too. Embassies publish the current figure, so check your embassy's page right before you apply. Some embassies may ask for more than one year, or accept less for a shorter stay.

When

Open and fund the account before your visa appointment. You'll need the provider's confirmation of the deposit and the block (Sperrbestätigung) for your application. International transfers can take several days, so start weeks ahead.

What you need

• A valid passport
• Your university admission letter, or proof you are applying (depending on the provider)
• Money for the full amount plus fees, and a way to send it internationally
• An email address and phone number

How to do it

1. Choose a provider. Several banks and specialised financial companies offer blocked accounts that embassies accept. Compare fees, how fast they issue the confirmation, and whether they bundle other products. Only use providers that your embassy accepts.
2. Apply online and verify your identity as the provider explains.
3. Transfer the money from your bank, or from a family member's bank if the provider allows it.
4. Download the blocking confirmation and bring it to your visa appointment.
5. Get your visa, then travel.

What happens afterwards

Payouts after arrival

The money is released in monthly instalments. You can withdraw only up to one twelfth of the yearly amount per month. Payouts usually start once you:

1. Arrive and register your address (Anmeldung)
2. Open a German current account, or give the provider an account in your name (bank account)
3. Activate payouts with the provider, often by uploading your registration certificate or passport

Each month's instalment is then transferred to your current account.

Renewing your residence permit

After arrival you convert your visa into a residence permit at the immigration office (residence permit). For the permit or later extensions, you may need to show funds again. This could be a new blocked account deposit, work income, a scholarship or a Verpflichtungserklärung.

Closing the account

Blocked accounts usually run for one year. To close the account early or withdraw the rest at once, for example if you leave Germany or your visa is refused, you usually need approval from the embassy or immigration office. Ask your provider how they handle refunds.

Common problems

My visa was refused. Do I get my money back?

Usually yes, after the provider receives proof of the refusal. Fees may not be refunded. Check the provider's terms before you pay.

Can I use the money for rent right after I arrive?

Only after payouts are activated, and only one monthly instalment at a time. Bring enough money for your first weeks: a rental deposit and first rent often come before the first payout. See rental deposit.

Can my parents pay into my blocked account?

Often yes, but the account must be in your name. Rules on third-party transfers depend on the provider.

Does a part-time job reduce the amount I need?

For the visa, embassies generally don't count future job income. After arrival, the immigration office may accept income from work. See working as a student.

Do I need health insurance too?

Yes. Health insurance is a separate requirement for the visa and enrolment. See student health insurance.