How much money do I need for a blocked account (Sperrkonto)?

For 2026, the required amount for a Sperrkonto (blocked account) for a German student visa is: 11,904 € per year (992 € per month). This figure is updated annually.

#Yearly Comparison

#Duration-Based Calculation

• 12-month visa: 11,904 €
• 6-month language course visa: 5,952 €
• 2-year visa (long-term): Generally, the first year's amount is sufficient, then you renew.

#Ways to Reduce the Amount

1. If you receive a scholarship: If your scholarship amount covers 992 € per month, a Sperrkonto (blocked account, a special bank account required for international students in Germany to prove financial means) is not needed (submit your scholarship commitment letter).
2. Family guarantor (Verpflichtungserklärung): If a relative living in Germany signs a Verpflichtungserklärung (declaration of commitment/sponsorship) with an average net income of 2,200 €+ per month for 6 months, an exemption might be possible.
3. Scholarship + partial Sperrkonto: If your scholarship's monthly amount is lower, you deposit the difference into your Sperrkonto.

#Where to Open an Account?

• Fintiba (most common) — fintiba.com, online opening, 89 € annual fee.
• Expatrio — expatrio.com, 49 €, includes an insurance package.
• Coracle, Sutor Bank, Deutsche Bank are alternatives.

#Withdrawing Funds

• Your Sperrkonto becomes active once you arrive in Germany.
• You can withdraw 992 € per month; you cannot withdraw more (if you miss a month, the amount accumulates).

Related: Transferring to Fintiba