Question 1

What is a blocked account (Sperrkonto) in Germany?

Accepted Answer

A blocked account (Sperrkonto) is a special type of bank account required by German law for international students applying for a German visa. You deposit €11,904 (for 2026) upfront, and €992 is released monthly after you arrive in Germany to cover living expenses.

Question 2

How much is the blocked account for Germany in 2026?

Accepted Answer

For 2026, the required blocked account amount is €11,904 (€992 per month × 12 months). This proves to the German embassy that you can support yourself financially during your studies.

Question 3

Which blocked account provider is the best?

Accepted Answer

It depends on your priorities: Expatrio is fastest (1-3 days), Coracle has no opening fee, Fintiba is widely recognized by embassies, and Deutsche Bank offers traditional banking with branches.

Question 4

What is the difference between Expatrio and Fintiba?

Accepted Answer

Expatrio has a €49 opening fee with no monthly fee and 1-3 day processing. Fintiba has an €89 opening fee, €4.90/month fee, and 3-5 day processing but is more widely recognized by embassies.

Question 5

Can I open a blocked account from my home country?

Accepted Answer

Yes! All digital providers (Expatrio, Fintiba, Coracle) allow you to open and fund your blocked account entirely online from your home country before you apply for your visa.

Question 6

Why do I need a blocked account for a German visa?

Accepted Answer

German authorities require a blocked account to ensure international students can cover their living expenses. Without proof of a blocked account showing €11,904 deposited, your visa application won't be accepted.

Question 7

How do I transfer money to my blocked account?

Accepted Answer

You can transfer via international bank transfer (in euros) or use services like Wise, Flywire, or Western Union for local currency transfers with better exchange rates. Many providers also support Alipay.

Question 8

What happens if my visa is rejected after opening a blocked account?

Accepted Answer

Most providers (Expatrio, Fintiba, Coracle, Deutsche Bank) will refund your deposit if your visa is rejected. You'll need to provide official proof of rejection and follow the provider's refund process.

Question 9

Is a German bank account included with my blocked account?

Accepted Answer

Yes, most major providers (Fintiba, Coracle, Expatrio) create a free German bank account connected to your blocked account. Your monthly payout goes automatically to this German account.

Question 10

What documents do I need to open a blocked account?

Accepted Answer

Typically you need: valid passport, university admission letter, proof of address, and payment for the deposit. Requirements vary by provider, so check their official checklist.

Blocked Account Advisor

2026 Blocked Account Requirement

Let's Find Your Perfect Provider

Blocked Account Advisor

2026 Blocked Account Requirement

Let's Find Your Perfect Provider