How to Withdraw Money from Blocked Account in Germany: The Ultimate 2025 Guide

If you’re an international student planning to study in Germany, chances are you’ve already heard of a Blocked Account. It’s a financial requirement to prove that you can support yourself while studying abroad. But one question that leaves many confused is: how to withdraw money from Blocked Account once you’ve landed in Germany?

One of the most important things every international student must learn early is how to withdraw money from Blocked Account without delays or confusion. This blog gives you exact steps, verified tips, and expert advice to help you navigate the process smoothly and legally.

What is a Blocked Account and Why Do You Need It?

A Blocked Account (German: Sperrkonto) is a mandatory bank account for non-EU students, job seekers, and au pairs in Germany. It ensures that you have sufficient funds to cover living expenses while residing in Germany.

As of 2025, you must deposit at least €11,904, which covers €992 per month for 12 months. This amount is “blocked” — meaning you can’t withdraw it all at once.

So how exactly can you withdraw money from Blocked Account each month? Let’s break it down.

Read more: What is a Blocked Account in Germany?

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Step-by-Step: How to Withdraw Money from Blocked Account

Here is a clear breakdown of how to withdraw money from Blocked Account when you arrive in Germany.

1. Open a Local German Bank Account (Girokonto)

After landing in Germany, your first step is to open a Girokonto — a standard current account with a local bank like N26, Deutsche Bank, Sparkasse, or Commerzbank.

This is the account where your monthly disbursements from the Blocked Account will be sent. Without it, you cannot withdraw money from Blocked Account.

Also read: Discover the Top Blocked Account Providers for Germany from India

2. Activate Your Blocked Account

Log in to your Blocked Account provider (e.g., Fintiba, Expatrio, Coracle, RemitX) and update them with your new local bank account (Girokonto) details.

This step is essential to withdraw money from Blocked Account — without a local account, you won’t receive disbursements.

3. Receive Your Monthly Payout

Once activated, your provider will begin transferring the monthly allowance (€992) to your current account at the start of each month. You can now use your German debit card, ATM, or online banking to access the funds.

You can’t withdraw more than the monthly limit even if your rent is higher, so plan accordingly.

Learn more: How to Add Money in Blocked Account?

4. Track Your Transactions

Most providers offer mobile apps or dashboards where you can track each withdrawal. If there’s a delay in receiving the amount, check:

• If your Girokonto is activated

• If your local bank details were entered correctly

• If your Blocked Account was verified by the provider

Real-World Pitfalls to Watch Out For

Can You Close or Withdraw Full Funds from Blocked Account?

Yes — but under specific circumstances.

To withdraw all the money from Blocked Account (say if your visa is rejected or you leave Germany early), you’ll need to:

• Get a de-blocking confirmation from the German embassy or local Foreigners Office (Ausländerbehörde)

• Submit this certificate to your provider

• Then the remaining balance will be transferred to your bank account

Note: Until this formal de-blocking process is completed, you can only withdraw money from Blocked Account within the government-regulated monthly limits.

All You Need To Know About TCS On International Money Transfers

Tips to Make the Most of Your Blocked Account

To ensure you never face issues when trying to withdraw money from Blocked Account, follow these tips:

• Open your local account within the first 2 days of arrival

• Choose a Blocked Account provider that offers real-time tracking and multilingual support

• Use budgeting apps to manage the €992 monthly wisely

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• 24/7 support to help you track and troubleshoot your transfers

Whether you’re transferring for tuition, blocked account setup, or living expenses, HOP Remit makes it fast, legal, and simple.

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How to Avoid TCS on Foreign Remittances?

Final Thoughts

Understanding how to withdraw money from Blocked Account is one of the most important aspects of managing your finances in Germany. The process might seem bureaucratic, but once set up, it runs like clockwork.

By opening your Girokonto early, activating your Blocked Account correctly, and using reliable platforms like HOP Remit by moneyHOP, you can focus on your academics and experience no paperwork or payment delays.