A blocked account (Sperrkonto) is a special account that shows the German authorities you can support yourself. Only a fixed amount is released each month.

How a blocked account works

You transfer the required annual amount in a single payment before applying for your visa. In 2026 this is €11,904 for study (€992 per month) and €13,092 for the Opportunity Card (€1,091 per month). Once you have arrived and opened a current account, one twelfth of the amount is paid out each month.

Comparing providers

Commonly used providers are Expatrio and Fintiba; according to reports from 2025, Coracle is not accepting new applications. Fees, package contents and the list of accepted providers change, so compare the current terms on the providers' websites and check the requirements of the German mission in your country.

Packages with insurance

Providers often offer combined packages: a blocked account, insurance for the period of entry and help with registering for statutory health insurance after arrival. Check exactly what is included and whether the insurance meets the visa requirements.

Payouts after you arrive

To start the monthly payouts, the provider usually asks for proof of entry and the details (IBAN) of your current account; some also ask for your registration certificate. How quickly the first payout arrives depends on the provider.

What to check

  • Check the current monthly amount for your type of visa on the German mission's website.
  • Make the transfer only from an account in your own name.
  • Keep the blocking confirmation (Sperrbestätigung) for the German mission.
  • Ask the provider in advance which documents are needed to start payouts after arrival.

Example situation

A student opens a blocked account, transfers €11,904 from her own account, receives the blocking confirmation and attaches it to her visa application.

Next step

Open the blocked account at least three to four weeks before your visa application, as international transfers can be delayed.

Official information on this topic

Checklists and examples are organisational recommendations. Requirements depend on the procedure, the city and your situation; check them with the relevant office before you act. Please discuss legal and tax questions with an authorised professional.

This article was prepared with the help of AI. The example illustrates the approach and does not describe a client case.