Blocked Account (Sperrkonto) for Germany — Guide for Indian Students
A blocked account is mandatory for the Germany student visa. Learn the amount required, approved providers, how to open one, and the timeline. 0% commission guidance from AbroBot.ai.
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A Sperrkonto (blocked account) is a special German bank account that holds a fixed sum of money to prove you can financially support yourself during your studies in Germany. The German embassy requires proof of this account as part of the student visa application. The funds are "blocked" — you can only withdraw a fixed monthly amount once in Germany (currently €934/month as of 2024).
Amount Required (2024)
€11,904 for one year (€934 × 12 months). This is the minimum amount the German Foreign Office requires as proof of financial support. Some consulates may ask for more.
Approved Providers
Only specific providers are accepted: Deutsche Bank, Fintiba, Expatrio, Coracle, and Blocked Account by Sparkasse. The most popular with Indian students are Fintiba and Expatrio due to easy online setup.
Monthly Withdrawal
Once in Germany, you can withdraw exactly €934/month from the blocked account. The remaining balance stays locked until monthly release — this prevents financial misuse.
Timeline to Open
Allow 3–4 weeks for account opening. Fintiba and Expatrio offer online setup, but verification and fund transfer from India takes time. Start at least 6 weeks before your visa appointment.
Blocked Account Providers Comparison
| Provider | Setup Fee | Annual Fee | Opening Time | Best For |
|---|---|---|---|---|
| Fintiba | €29 | €4.90/month | 2–3 weeks | Easy online, popular with Indians |
| Expatrio | €39 | €4.90/month | 2–3 weeks | Includes health insurance bundle |
| Deutsche Bank | €0 | €0 | 4–6 weeks | Traditional bank option |
| Coracle | €29 | €4.90/month | 2–3 weeks | Digital-first platform |
Frequently Asked Questions
No. The German embassy specifically requires a Sperrkonto from an approved German provider. An Indian bank account or FD proof is not accepted as a substitute for the blocked account requirement.
If your visa is rejected or you decide not to go, you can close the blocked account and get your full deposit back (minus any setup and maintenance fees, typically €100–200).
Yes. AbroBot's AI provides complete Germany student visa guidance including blocked account requirements, document checklists, SOP templates, and consulate-specific requirements — with 0% commission and 100% unbiased advice.
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