Blocked accounts for Germany: a 2025 guide
If you’re applying for a long-stay visa, you may come across the term blocked account. Proving you have sufficient funds is an important step in many long-stay visa applications.
For some countries, a bank statement is enough. For Germany, a special financial instrument called a blocked account is mandatory for certain visa types.
In this guide, we’ll explain what a blocked account is, which visas require it, how it works, and what to expect when opening one; plus, tips on choosing the right provider and avoiding common mistakes.
What is a blocked account?
A blocked account (often called a Sperrkonto in Germany) is a special bank account that holds a specific amount of money to prove you can cover your living expenses for your stay.
The account is “blocked” in the sense that you cannot withdraw the entire balance at once. Instead, you receive a fixed monthly allowance to cover your living expenses. This ensures that you have funds available for the entire duration of your stay.
Which visas require a blocked account?
- A student visa
- A job-seeker visa
- A long-stay national visa without a work contract
This requirement does not usually apply if you are an EU/EEA citizen or can provide another form of acceptable proof of funds, such as a scholarship certificate or official sponsorship.
How much money do you need?
The required annual deposit changes each year in line with cost-of-living adjustments. As of 2025, the amount for students is €11,904 (around €992 per month). If your visa is valid for longer than 12 months, you’ll need to deposit more to cover the full duration.
It is important to note that this amount can change yearly, so you should always check the latest official guidelines.
How to open a blocked account
- Choose a recognised provider see below for options.
- Complete the online application: you’ll usually need to upload your passport, visa application proof, and sometimes an admission letter from your university.
- Wait for initial approval: most fintech providers can approve your application in a few days.
- Transfer the required funds: this may take a few days, depending on your bank and currency.
- Receive confirmation: you’ll get an official confirmation statement to submit with your visa application.
Recognised blocked account providers
What to compare when choosing a provider
When choosing a blocked account provider, it’s worth comparing more than just the deposit requirement. Look at the setup fees and monthly charges, as these can vary significantly between providers and add up over time. Check processing times, especially if your visa appointment is approaching soon. Some providers also bundle extra services, such as health insurance or SIM cards, which may save you time and effort. Finally, review the refund process in case your visa is refused, including how long it takes and whether any fees are non-refundable.
Fees and costs
When opening a blocked account, expect costs such as:
- A one-time setup fee
- Monthly maintenance charges
- Currency conversion or transfer fees.
Also important to consider how exchange rates might affect the total amount you deposit.
How withdrawals work
Once you arrive and register your local address, you can start accessing your funds.
You’ll be allowed to withdraw up to your monthly limit (€992 for students in 2025).
You cannot take out more than this monthly allowance, even if you haven’t used the full amount in previous months. Some providers allow you to withdraw less than the limit, but not more.
If your visa is refused
Most providers will refund your deposit if your visa application is rejected. However:
- Refunds can take several weeks
- Setup fees are usually non-refundable
- You’ll need to provide the official visa refusal letter
Renewing or extending your blocked account
If your stay in Germany is extended, you may need to top up your blocked account to cover the extra months. Many providers allow you to add funds to the same account rather than opening a new one.
Common mistakes to avoid
- Sending the wrong deposit amount (always check the latest requirement)
- Using a provider not recognised by the German authorities
- Leaving the account setup too late. You need the confirmation before your visa interview
- Forgetting about transfer fees and currency exchange differences
Alternatives to a blocked account
You may not need a blocked account if you can show:
- A scholarship award letter
- A formal sponsorship declaration from someone in Germany (Verpflichtungserklärung)
- Proof of a stipend or regular income
Always confirm with your local German embassy or consulate whether alternatives apply to you.
Other frequently asked questions
Blocked accounts in other countries
While blocked accounts are a strict requirement for certain German visas, in some countries they are just one possible way to show proof of funds. For example, Belgium, France, and Poland may accept them for student visas alongside alternatives such as scholarships or sponsorships.
See our guides to Belgium visas, France visas, and Poland visas for details.
If you’re applying for a student or business visa in Germany, Travelisa can guide you through every step of your visa preparation. Discover our services and apply with confidence.