If you’re planning to move to Germany to study, work, or look for a job, one of the first requirements you’ll come across is proof that you can financially support yourself while living there.
For most non-EU citizens, that proof comes in the form of a blocked account (Sperrkonto) — a key step in the visa or residence permit process.
Here’s everything you need to know before opening one 👇
What Is a Blocked Account?
A blocked account is a special type of German bank account that proves you have enough funds to cover your living expenses while you’re in Germany.
The account is “blocked” because you can’t access the full amount at once — instead, you receive monthly withdrawals based on a government-defined limit.
As of January 1, 2025, the required deposit is €11,904, and the maximum monthly withdrawal is €992.
Who Needs a Blocked Account?
You’ll need a blocked account if you are from outside the EU and you won’t have a steady income in Germany — for example:
✅ Students admitted to German universities or language schools
✅ Au pairs
✅ Apprentices
✅ Job seekers
If you’re on a fully funded scholarship (like DAAD), you’re exempt — your scholarship serves as proof of financial resources.
Blocked Account Providers in Germany
There are two main ways to open a blocked account: from abroad or within Germany.
If you’re abroad:
Both offer online applications and quick digital verification.
If you’re already in Germany:
- Targobank
- Postbank
- Some local banks (check if they support Sperrkonto services)
How to Open a Blocked Account
- Choose your provider and complete the online or paper application.
- Verify your identity — this may involve embassy certification.
- Wait for account approval and then transfer the required funds (€11,904 in 2025).
- Get your confirmation letter — you’ll need this for your visa application at the German embassy.
💡 Tip: Transfer your funds early — processing and confirmation can take a few days.
How to Close a Blocked Account
You can close your blocked account when you:
- Finish your studies or get a job (it often converts to a regular account automatically).
- Need to leave Germany early.
- Have your visa rejected.
If your visa was rejected:
Provide the rejection letter from the German embassy to your bank.
If you’re leaving Germany early:
Get written consent from your local Foreigners’ Office (Ausländerbehörde) before your bank can release the funds.
Costs to Expect
Opening a blocked account usually involves:
- A setup fee of €50–€150
- A monthly maintenance fee of around €5
Setting up a Sperrkonto may feel complicated at first, but it’s a straightforward and essential step toward your new life in Germany. At Move2Europe, we help you with every step — from choosing the right visa to finding housing and settling in smoothly.
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