How To Open a Blocked Account in Germany: A Guide for International Students

With Germany’s free education scheme, it’s become a top choice for study destinations. Like any other country, international students need to get a student visa to study in Germany.

Obtaining a student visa has several conditions, including having adequate funds. In short, you must prove that you have enough financial resources to study and live in the country.

To show their financial capacities, international students usually open a blocked account. Once the German government determines the money you need, you can move it to the blocked account.

Need a blocked account to get your German student visa? Here’s an international student’s guide to opening a blocked account:

What is a Blocked Account in Germany?

It’s called a “blocked account” because it’s blocked until the owner arrives in Germany. This means you cannot make withdrawals from this account until you’re in Germany.

A blocked account, or Sperrkonto, can be used by international students for various purposes. These may include:

• Getting a student visa
• Getting a student residence permit
• Proof of funds to live in Germany for a year

Exceptions to Opening a Blocked Account

Opening a blocked account is not mandatory. As mentioned, it’s only a common way to show financial capacity. You don’t need to open a blocked account if you can show adequate funds through the following:

• Document/s that show/s your parent’s income
• A scholarship certificate (must be from a recognized scholarship provider)
• A bank guarantee
• Letter of Commitment (if you have a relative or friend who’s a permanent resident of Germany willing to assume financial responsibility for you)

Steps To Open a Blocked Account

Opening a blocked account is fairly simple and can be done online. Here are the general steps in opening a blocked account:

1. Pick a blocked account provider
2. Proceed to apply online (blocked account provider’s website)
3. Download and complete the application form (applies to certain blocked account providers only)
4. Deposit the number of funds you need (as determined by the German government)
5. Wait for the confirmation

Note that steps may vary depending on the blocked account provider. For instance, some providers may require legalization at the German Embassy. Don’t forget to research the complete process and requirements on the provider’s website.

Requirements To Open a Blocked Account

Requirements will vary depending on your nationality and blocked account provider. Expect to present some if not all of the documents listed below:

• An ID 
• Valid Passport
• Blocked account application form
• Admission letter from your German university
• Bank statement
• Prepaid fee

Blocked Account Providers in Germany

When choosing a block account provider, pick the one that’s best for you. Consider certain factors such as fees, safety, and usability. You can also consider the ease and convenience of opening a blocked account.

Here’s a list of the most prominent blocked account providers in Germany:

• Fintiba
• Expatrio
• Deutsche Bank
• Coracle

Opening a blocked account can help you prove that you are financially capable of studying and living in Germany. Read our guide to German banking next so you can learn how to manage your money while in Germany.