Blocked Bank Account
Blocked Account in Germany – Guide for 2026
If you are coming to Germany from a non-EU country to study or look for a job, you may need to prove that you have sufficient financial means to cover your living expenses. This is an important requirement for certain visa and residence permit applications.
One of the most common ways to provide proof of sufficient financial resources is by opening a blocked account (Sperrkonto).
What Is a Blocked Account?
A blocked account is a special type of bank account used as proof of financial resources when applying for a German visa or residence permit.
It is called a "blocked account" because:
- You must deposit a required amount before entering Germany.
- After arriving in Germany, you can generally withdraw only a limited amount each month.
Financial Requirements in 2026
From January 1, 2026, the standard minimum amount is:
- Annual deposit amount: €11,904
- Monthly withdrawal limit: €992
The required amount can vary depending on the type of visa or residence permit. In some cases, a higher amount may be required, so always check the current requirements with the responsible German embassy or consulate before opening an account.
Who Needs a Blocked Account?
A blocked account may be required for people from non-EU countries who need to prove sufficient financial resources for a visa or residence permit, including applicants coming to Germany for:
- University studies
- Language courses
- Vocational training
- Job-seeking
- Certain other residence purposes
The exact financial proof required depends on your individual visa or residence permit.
When Is a Blocked Account Not Required?
A blocked account may not be necessary if you can provide another accepted form of financial proof.
For example, a fully funded scholarship may replace the need for a blocked account if the scholarship provides sufficient financial support and is accepted by the relevant authorities.
Other alternatives may include a formal declaration of commitment (Verpflichtungserklärung) from a person who agrees to cover your expenses in Germany.
Providers of Blocked Accounts
Several providers offer blocked accounts that can be opened before entering Germany. Examples include:
- Fintiba
- Care Concept
Availability, fees, processing times, and requirements can change, so check the current conditions before choosing a provider.
Opening a Blocked Account From Abroad
If you are still outside Germany, you can generally open a blocked account online with an eligible provider.
The process usually involves:
- Choose a blocked account provider.
- Complete the application.
- Verify your identity.
- Receive confirmation that the account has been opened.
- Transfer the required amount.
- Obtain confirmation of the deposited funds for your visa application.
Opening a Blocked Account in Germany
If you are already in Germany, you may also be able to open a blocked account with an eligible provider or, depending on the bank and your circumstances, a local bank.
Some banks may require an appointment or additional documentation.
Costs of a Blocked Account
The cost depends on the provider. Typical costs may include:
| Service | Typical Cost |
|---|---|
| Setup fee | €50–150 one-time |
| Monthly account fee | Approximately €5 |
| International transfer fees | Depends on the provider |
Always check the provider's current fee structure before transferring money.
How Do I Close a Blocked Account?
A blocked account is generally used until you no longer need to provide proof of sufficient financial resources.
Depending on your circumstances, you may be able to:
- Convert the account into a regular current account
- Close the account
- Release the remaining balance after receiving the required approval
The exact process depends on your residence status and the provider.
Closing a Blocked Account After a Visa Rejection
If your visa application is rejected, you can generally request the release of the funds by providing the official visa rejection notice.
The provider can then process the refund according to its procedures.
Closing a Blocked Account After Leaving Germany
If you leave Germany before the end of your planned stay, you may be able to close the blocked account early.
Depending on the circumstances, approval from the Foreigners' Authority (Ausländerbehörde) may be required.
A deregistration certificate (Abmeldebescheinigung) alone may not be sufficient.
Final Tips
- Open your blocked account well before your visa appointment.
- Check the current financial requirements before transferring money.
- Keep all account confirmations and transfer receipts.
- Compare provider fees and processing times.
- Make sure the account meets the requirements of the German authority handling your visa or residence application.
This guide was created by movein24 to help international students and skilled workers get started in Germany.