Introduction
If you are planning to study in Germany in 2025, one important financial requirement you must be aware of is the “blocked account” or “Sperrkonto.” This special type of bank account is mandatory for most student visa applicants and serves as proof that you have sufficient funds to support your living expenses while studying in Germany.
Opening a blocked account ensures the German authorities that you will have regular financial support during your stay without needing to rely on public funds.
Before applying for your visa, make sure you understand the Germany Student Visa Process and explore scholarship opportunities for Germany to plan your finances smartly. You can also check top German universities that accept international students through streamlined application systems.
In this blog, we’ll explain the required blocked account amount for 2025, how it is calculated, and compare the best blocked account providers to help you make an informed decision for your student visa process.
What is a Blocked Account and Why is it Mandatory?
A blocked account is a specific bank account where a fixed amount of money is deposited before your arrival in Germany. The funds in this account are “blocked,” meaning you cannot withdraw the entire amount at once. Instead, you are allowed a predetermined monthly withdrawal limit to cover your living expenses while studying.
German immigration authorities require this as part of the visa application to ensure international students have sufficient funds to live comfortably in Germany without undue financial stress.
Required Amount for Blocked Account 2025
In 2025, the official minimum amount you need to have in your blocked account is €11,904, equivalent to €992 per month for 12 months. This figure is based on the living expenses guidelines from the German Federal Foreign Office and the BAföG (Federal Training Assistance Act).
| Year | Monthly Amount | Annual Amount |
|---|---|---|
| 2025 | €992 | €11,904 |
| 2024 | €934 | €11,208 |
| 2023 | €934 | €11,208 |
| 2022 | €861 | €10,332 |
💡 Some visa types, such as vocational training or language course visas, may require an additional 10% deposit, totaling around €13,094.
Can You Deposit More Than the Minimum?
Yes, you can deposit more than the minimum required amount. However, it is typically recommended to deposit just the legally required amount, considering additional fees and costs. If you expect higher living expenses, you can keep extra funds in a separate account for easier access.
Popular Blocked Account Providers Compared
🏦 1. Expatrio
Founded in Berlin, Expatrio offers a comprehensive blocked account service with additional benefits like health insurance, travel insurance, and ISIC student cards bundled in their Value Package.
Fees: €89 setup fee + €5 monthly service charge (€149 total upfront for a 12-month blocked account).
Features: Fast account opening, multilingual support, refund if visa denied, no deposit limit beyond minimum, and user-friendly app interface.
Bank Partner: Aion Bank (Germany/Belgium).
💳 2. Fintiba
Launched in Frankfurt, Fintiba provides a digital blocked account with an app for managing your finances, health insurance packages, and travel insurance offerings.
Fees: €89 setup + €4.90 monthly fee (charged after deposit).
Features: Account opening in under 10 minutes, premium customer support, extensive health insurance options, and financial management tools.
Restrictions: Not available for US tax residents; offers various packages for students and job-seekers.
Bank Partner: Sutor Bank (Germany).
💰 3. Coracle
Based in Hamburg, Coracle focuses on simplicity and economical solutions with no monthly fees for the basic offering. Their PRIME package adds health insurance and travel insurance at reasonable prices.
Fees: €99 setup fee; no monthly fees.
Features: Account opening confirmation in 2 hours, German IBAN, money-back guarantee for visa denial, multilingual support, and special student packages.
Limitations: PRIME package available only for students; not available for US citizens.
Bank Partner: Lemonway (escrow service).
Cost Breakdown Overview
| Provider | Setup Fee | Monthly Fee | Total for 12 Months | Additional Benefits |
|---|---|---|---|---|
| Expatrio | €89 | €5 | ~€149 | Health Insurance, ISIC Card |
| Fintiba | €89 | €4.90 | ~€148 | Health Insurance, App Support |
| Coracle | €99 | None | €99 | Travel Insurance, Budget Option |
Which Blocked Account Should You Choose?
✅ Choose Expatrio if you want a comprehensive package with bundled insurances and excellent customer support.
📱 Opt for Fintiba if you prefer an app-based approach with premium health insurance options.
💸 Go with Coracle if you want the most economical and straightforward blocked account without monthly fees — ideal for budget-conscious students.
How to Open a Blocked Account?
Visit the provider’s website and complete the online registration.
Submit identification documents like a passport copy and visa application form.
Transfer the required amount (€11,904 or more) using international bank transfer.
Receive confirmation and blocking certificate required for your visa application.
Manage your account and monthly withdrawals via the provider’s platform.
Additional Tips for Indian Students
Start the blocked account application well in advance to avoid visa delays.
Keep all transaction records and certificates handy for visa interviews.
Stay within monthly withdrawal limits to comply with German regulations.
Combine your blocked account with a German health insurance plan for a smoother visa process.
You can learn more about the Germany Student Visa Process and Scholarship Opportunities for Germany to make your study abroad journey more affordable and stress-free.
Conclusion
A blocked account is an essential financial tool for international students heading to Germany for studies in 2025. Understanding the required amount and selecting the right provider among Expatrio, Fintiba, and Coracle can simplify your visa process and ensure financial stability during your stay.
Reach out to Ausizz Migration Consultants for expert help in choosing and opening your blocked account, understanding visa documentation, and planning your Germany study journey for 2025.
Frequently Asked Questions (FAQs)
Q1. How much money must I deposit in the German blocked account for 2025?
A1. The minimum required deposit is €11,904, which allows €992 to be withdrawn per month for one year.
Q2. Can I choose any bank to open a blocked account?
A2. No, only providers recognized by German embassies and immigration authorities, like Expatrio, Fintiba, and Coracle, are recommended.
Q3. Are monthly service fees deducted from the blocked amount?
A3. Yes, providers may charge a monthly service fee deducted from your deposit or paid upfront.
Q4. Can I deposit more than the minimum in the blocked account?
A4. Yes, but it is not required. Excess funds can be kept in separate accounts for easier access.
