If the Sperrkonto remains closed, do monthly deductions continue?

Yes, even if your Sperrkonto is closed (while you are in Turkey), 992 € per month will be automatically transferred — but this money is not "lost"; it either accumulates or is refunded.

#Scenario 1: You Did Not Get a Visa, Sperrkonto Is Open

• After opening the Sperrkonto, your visa application was rejected or you cancelled it
• Money accumulates, you cannot withdraw it
• Solution: Apply for cancellation with Fintiba/Expatrio — full refund within 14 days (excluding visa fee)
• Account closure fee after 14 days: 30-50 €

#Scenario 2: You Got a Visa, Did Not Come to Germany (Postponement)

• You did not come for 3-6 months after getting the visa
• The account remains "open," money is not automatically withdrawn at the beginning of the month (because you have not activated it)
• Money continues to stay in the account
• Solution: Inform Fintiba, the account will be put into "Wartestatus" (waiting mode)

#Scenario 3: You Came to Germany, Activated Your Account

• In the first month, 992 € is transferred to your Girokonto
• Subsequent months are automatic (unless you cancel)
• Even if you return to Turkey, automatic transfers continue — you can receive money if your account in Germany is open

#Scenario 4: Education Finished, You Returned to Turkey

• The remaining balance is refunded to your Turkish bank account or your Girokonto in Germany
• Refund fee: 30-50 € (international SWIFT commission)

#Important Notes

• Sperrkonto annual management fee of 89 € (Fintiba) — deducted for 1 year even if no visa is obtained
• Is there interest? — Low interest (around 1-2%) at Solarisbank, none at Sutor Bank
• If the account remains inactive for 2 years, it becomes a "dormant account," and additional fees are deducted (5-10 €/month)

#Practical Advice

• If your visa application is late or rejected → Send a cancellation message to Fintiba within 14 days (full refund)
• If you got a visa but are postponing → Ask Fintiba to put it in "waiting" mode, keep it free of charge
• The account will not be activated until you arrive in Germany — don't worry

Related: Opening a Sperrkonto.