First week
Time
1 to 2 weeks to open
Cost
~€11,904/yr blocked + setup fee
Difficulty
Medium
What to bring
Passport
The funds to deposit (one year's living costs)
Visa application details
Not needed: An Anmeldung, you typically open this before arriving in Germany
Your options
Fintiba
Fast online blocked account
~€89 setup + monthly fee
Fully online, English, and accepted by German missions worldwide. The most common choice for student and job-seeker visas.
Expatrio
Bundled with health insurance
Similar setup fee
Pairs the Sperrkonto with visa-ready health cover in one package, handy if you need both anyway.
Deutsche Bank blocked account
Traditional bank route
Higher fees, slower
Works, but slower and more paperwork than the fintech options. Only if a consulate specifically requires a bank.
Prices checked June 2026
Do it
- 1
Check the required amount
The blocked sum is set yearly (around €11,904 for 2026) and released to you in monthly portions once you arrive.
- 2
Open with a provider online
Apply with Fintiba or Expatrio, verify your identity by video, and receive the account confirmation for your visa file.
- 3
Transfer the funds
Wire the full year's amount into the blocked account. The provider issues proof of deposit for the consulate.
- 4
Activate monthly payouts after arrival
Once in Germany with an Anmeldung and local account, link them so the monthly allowance is released to you.
Words you'll hear
Sperrkonto
A blocked account proving you can support yourself, required for many student and job-seeker visas before you arrive.
Common questions
Do EU citizens need a Sperrkonto?
No. It's only for non-EU visa routes that require proof you can support yourself, mainly students and job-seekers.
Can I get the money out all at once?
No, that's the point of "blocked". It releases in monthly instalments to show ongoing means of support.
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