Planning to study in Germany? One of the first and most important financial requirements you’ll encounter is the blocked account. It’s not just another bank account—it’s your key to unlocking your student visa and securing your stay in Germany. This in-depth guide explains how to open blocked account in Germany with precision, clarity, and real-world insights so you can make an informed decision.
What Is a Blocked Account?
A blocked account (known in German as Sperrkonto) is a special type of account mandated by the German Federal Foreign Office for non-EU students, job seekers, and language course participants. Its purpose is to prove that you have enough funds to support yourself during your stay in Germany without relying on public funds.
As of 2025, international students are required to deposit at least €11,208 into the blocked account, which is released in monthly installments of €934 after arriving in Germany.
Need to pay your university fees and living expenses abroad?
Make international money transfers easier than ever! Enjoy no paperwork, secure & swift transfers, and real-time tracking.
Why Do You Need to Open Blocked Account in Germany?
Opening a blocked account is a legal prerequisite for obtaining a German student visa. Without it, your visa application will not be accepted. The account guarantees to the German government that you are financially self-sufficient, which is a fundamental criterion for most long-term visa types.
Discover the Top Blocked Account Providers for Germany from India
Who Needs to Open Blocked Account in Germany?
You must open blocked account in Germany if you fall into any of the following categories:
- Applying for a student visa to pursue higher education
- Enrolling in a preparatory or language course
- Seeking employment in Germany on a job-seeker visa
- Planning to pursue non-degree academic activities
Always check with the German consulate in your country to confirm if a blocked account is required in your specific case.
How to Open Blocked Account in Germany: Step-by-Step Process
Opening a blocked account from abroad might seem overwhelming, but it’s quite manageable if you follow these steps:
1. Choose a Government-Recognized Provider
Not all banks offer blocked accounts. Use only providers regulated by BaFin (Federal Financial Supervisory Authority) or those recognized by your local German consulate. Trusted providers include:
| Provider | Notable Features |
| Fintiba | Fully digital, mobile-friendly |
| Expatrio | Includes value-added visa packages |
| Deutsche Bank | Traditional, requires in-person steps |
| ICICI Bank | Indian-friendly interface |
| Coracle | Quick setup, minimal documentation |
Only these providers ensure that when you open blocked account in Germany, your visa application process remains compliant and smooth.
2. Complete the Online Application
Most providers have user-friendly online portals. You’ll need to fill out:
- Personal details (as in your passport)
- Visa application status
- University admission information
- Nationality and current country of residence
3. Upload Required Documents
You will typically need to upload:
- Scanned passport copy
- University admission letter or conditional offer
- PAN card/Aadhaar card (for Indian students)
- Visa appointment details (if applicable)
Note: Some providers may require a short video KYC (Know Your Customer) verification to confirm your identity.
4. Receive Your IBAN and Transfer Funds
Once the application is approved, you will receive an IBAN (International Bank Account Number) to which you need to transfer the required funds—typically €11,208. Transfer fees and currency exchange rates may vary, so use a reliable remittance service.
How to Add Money in Blocked Account?
5. Obtain the Blocked Account Confirmation Certificate
After the full amount is received, your provider will issue a Blocked Account Confirmation Certificate, which you must present at your visa appointment. This document proves you’ve met the financial requirement.
6. Activate Account After Arrival in Germany
Once you reach Germany and register your address, your blocked account will be activated for monthly disbursements. These monthly amounts are your legal limit for living expenses.
How to Withdraw Money from Blocked Account in Germany?
Costs and Fees Involved
The cost of opening and maintaining a blocked account depends on the provider. Here’s a breakdown of the common charges:
| Type of Fee | Range (EUR) | Description |
| One-time setup fee | €49 – €150 | Charged while creating the account |
| Monthly service fee | €4 – €10 | Covers administration and account access |
| International transfer fee | Depends | Varies depending on the remittance method |
| Refund processing fee | €0 – €50 | Applicable if you cancel your visa |
When you open blocked account in Germany, be sure to compare all the associated fees and not just the setup cost.
Choosing the Right Provider: Key Considerations
Here’s what you should evaluate:
- Approval by your consulate: Not all providers are accepted everywhere.
- Processing time: Some accounts take 24–48 hours, others 7–10 days.
- Customer service: Check if support is available in your language.
- Bundled services: Some providers offer health insurance or visa packages.
- Refund policy: Important if your visa is rejected or delayed.
Always choose a provider that not only helps you open blocked account in Germany but also supports you throughout the visa journey.
Can You Open Blocked Account Without University Admission?
Some providers allow you to initiate the process with conditional admission or proof of application. However, to complete the account setup, most will eventually require a formal offer letter.
Common Mistakes to Avoid
- Waiting until the last minute before your visa appointment
- Transferring funds using high-fee remittance services
- Not confirming embassy-recognized providers
- Misreading refund terms in case of visa rejection
- Choosing a provider without emergency support or insurance bundles
Being proactive is key. Start early, choose well, and verify every document.
Visual Insight: Before you move forward, here’s a quick breakdown of hidden reasons students face visa rejection during the blocked account process—and how to avoid them smartly.
Make International Transfers Hassle-Free with HOP Remit by moneyHOP
Opening a blocked account is only half the journey. Transferring the required funds from India to Germany is the next critical step—and this is where many students unknowingly lose money to high fees and poor exchange rates.
HOP Remit by moneyHOP is your most trusted partner to transfer funds safely, transparently, and affordably.
Why Choose HOP Remit?
- Lowest transfer fees in the market, with a transparent rate calculator
- Zero hidden charges—we show you the full breakdown
- Compliant with RBI regulations and supports LRS documentation
- 24/7 human support, including help with documents for blocked accounts
Open blocked account in Germany with your preferred provider, but transfer funds through HOP Remit to save money and ensure peace of mind.
Check our live exchange rates here
Why pay more for international money transfers when moneyHOP is here?
- NO hidden fees
- ZERO convenience fees
- Real-time updates
- Lowest exchange rates
Final Thoughts
To open blocked account in Germany is to take the first official step toward your academic journey abroad. It’s more than just fulfilling a formality—it’s about planning your future with clarity and confidence.
With this guide, you’re equipped with every piece of information you need, from choosing a provider to transferring your funds. Take action early, be mindful of the process, and use a transparent remittance partner like HOP Remit by moneyHOP to complete your journey the smart way.
Leave a Reply