Blocked Account for Germany: Full Guide for Foreigners (2026) 

If you are planning to study, work, or move to Germany from abroad, you will most likely need a Blocked Account (Sperrkonto).

In this guide, you’ll learn what a blocked account is, who needs it, how much money is required in 2026, and how to open one step by step.

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What Is a Blocked Account (Sperrkonto)?

A blocked account is a special German bank account required by immigration authorities to prove that you can financially support yourself in Germany.

The money is blocked and released to you monthly after you arrive in Germany.

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Who Needs a Blocked Account?

You usually need a blocked account if you are applying for:

• 🎓 Student Visa

• 🔍 Job Seeker Visa

• 🧑‍🎓 Language Course Visa

• 🧭 Preparation or Study Applicant Visa

❌ You may NOT need it if:

• You have a formal work contract with enough salary

• You have a sponsor in Germany (official Verpflichtungserklärung)

• You receive a recognized scholarship

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How Much Money Is Required in 2026?

As of 2026, the required amount is approximately:

• 💶 €11,208 per year

• 💶 €934 per month

This amount may change slightly, so always check official updates before applying.

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Best Blocked Account Providers (2026)

Here are the most popular and trusted providers:

🥇 Expatrio

• Fast online process

• English support

• Includes health insurance

• Widely accepted by German embassies

🥈 Fintiba

• Very popular with students

• Simple interface

• Works with German banks

• Embassy-approved

🥉 Coracle

• Lower fees

• Good alternative option

• Accepted for study visas

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How to Open a Blocked Account (Step-by-Step)

Step 1: Choose a Provider

Select a provider like Expatrio or Fintiba.

Step 2: Apply Online

Fill in your personal details:

• Passport

• Address

• University or visa purpose

Step 3: Transfer the Required Money

Send the full required amount from your bank.

Step 4: Receive Confirmation

You’ll get an official blocked account confirmation for your visa application.

Step 5: Activate in Germany

After arrival, open a local bank account and receive your monthly allowance.

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When Should You Open a Blocked Account?

👉 Ideally 6–8 weeks before your visa appointment, because:

• International transfers take time

• Embassies require official confirmation

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Common Mistakes to Avoid

❌ Sending money too late
❌ Using unapproved providers
❌ Sending less than the required amount
❌ Forgetting additional fees

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Final Tips for 2026 Applicants

• Always use embassy-approved providers

• Keep PDF confirmations saved

• Print your confirmation for the visa interview

• Open your blocked account before booking your visa appointment

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Conclusion

A blocked account is one of the most important steps when moving to Germany from abroad. If you prepare early and choose the right provider, the process is simple and stress-free.

➡️ In the next guide, we’ll explain how to find accommodation in Germany before arrival.