A Sperrkonto (blocked account) is a special bank account used as proof of financial capacity for the German student visa. After deposit, the money is locked for 1 year; a fixed monthly amount is unlocked (2026: €992/month, yearly €11,904).
Why blocked? German consulates require proof that you can cover 1 year of living expenses.
Popular providers:
- Expatrio — Fast, fully online (€89 setup + €5/month)
- Fintiba — Market leader since launch (€89 + €5/month)
- Deutsche Bank — Traditional, opens from Türkiye (€150)
- Coracle, ICICI Bank, kredisetzer.de — alternatives
Process:
1. Choose provider + apply online
2. Upload passport + university acceptance letter
3. Transfer €11,904 (SWIFT or Wise from Türkiye)
4. Receive blocked account confirmation — use for visa appointment
5. Account activates upon arrival; first month €992 available
Official source:
www.auswaertiges-amt.de →Frequently Asked Questions
What is the 2026 Sperrkonto amount? ▾
€11,904 annually, €992 monthly. This amount is updated yearly by the Federal Government.
Which Sperrkonto provider is fastest? ▾
Expatrio and Fintiba open accounts within 24-48 hours (fully online). Deutsche Bank takes 1-2 weeks.
Do I need a Sperrkonto if I have a scholarship? ▾
DAAD, EPOS, and similar scholarships qualify as official financial proof; the **scholarship award letter** can replace the Sperrkonto. Monthly amount must be at least €992.