🇩🇪 How to Open a Blocked Account in Germany (2025 Guide)

If you're preparing to study in Germany, one of the most important requirements is proving that you can financially support yourself. For most students, this means opening a blocked account (Sperrkonto) — a special type of German bank account where your funds are locked and released in monthly portions. Without this document, your student visa application won’t move forward.

This article explains what a blocked account is, how much money you need, who provides this service, and how to open one step by step.

🔒 What Is a Blocked Account and Why Is It Required?

A blocked account is a mandatory part of the student visa process in Germany. It shows German authorities that you have enough funds to support yourself while living and studying in the country.

The current required minimum is €11,208, based on a monthly allowance of €934. This amount covers your basic living expenses for 12 months — rent, food, transportation, and other essentials.

While this may seem like a large sum, it gives German immigration officials confidence that you won’t become financially dependent during your studies. Once the account is open, you’ll receive a confirmation that can be submitted with your visa application.

🧾 Are There Alternatives to a Blocked Account?

Yes, but they’re not common. You may provide:

• A bank account in Germany holding the required funds (under your name or your parent’s)
  
• A formal obligation letter from a German resident (rare and complex)
  

Still, the blocked account is by far the most accepted and straightforward method, especially for international students applying from abroad.

🏦 Trusted Providers of Blocked Account Services

Several licensed companies specialize in setting up blocked accounts for students and offer additional services like health insurance, which is also required for your visa.

Here are the main options in 2025:

✅ Fintiba

• Setup fee: €89
  
• Monthly fee: €4.90
  
• Includes free travel health insurance valid from your arrival until you activate your full student insurance

✅ Coracle

• Setup fee: €99
  
• No monthly fees
  
• Also offers free temporary health insurance for new arrivals
  

✅ Expatrio

• Setup fee: €49
  
• Monthly fee: €5
  
• Provides bundled services including health insurance, liability insurance, and more
  

These providers are officially recognized by German authorities, and the entire process — from application to receiving your confirmation — can be completed online.

📦 What’s Included with These Services?

Each of the providers offers:

• A legally approved blocked account with access to funds capped monthly
  
• A confirmation letter (Sperrkonto Bestätigung) needed for your visa
  
• Free temporary health insurance from the moment you arrive until you enroll in public student health coverage
  

In some cases, these platforms also assist with residence registration, student liability insurance, and German mobile plans.