If you’re planning to move to Germany to study, work, or search for a job, one of the first requirements you’ll encounter is proof that you can financially support yourself during your stay. For most non-EU citizens, this proof comes in the form of a blocked account (Sperrkonto) — a mandatory step in the German visa and residence permit process.
What Is a Blocked Account?
A blocked account is a special German bank account that ensures you have sufficient funds for living expenses. The account is “blocked” because you can only withdraw a fixed monthly amount rather than accessing the full balance at once.
As of January 1, 2025, the required deposit is €11,904, with a maximum monthly withdrawal of €992.
Who Needs a Blocked Account?
You typically need a blocked account if you’re a non-EU citizen without guaranteed income in Germany, including:
- Students enrolled in universities or language courses
- Au pairs
- Apprentices
- Job seekers
If you receive a fully funded scholarship such as DAAD, you’re exempt.
Blocked Account Providers
If you’re applying from abroad, popular digital providers include Fintiba and Expatrio. If you’re already in Germany, some banks like Postbank or Targobank may offer Sperrkonto services.
How to Open One
Choose a provider, complete identity verification, transfer the required funds, and obtain a confirmation letter for your visa application. Apply early, as processing can take several days.
Costs
Expect a setup fee of €50–€150 and a monthly maintenance fee of around €5.
Setting up a blocked account is an essential step toward your new life in Germany. Move2Europe supports you throughout the process—from visas to housing and settlement.
