For the Sperrkonto, is a separate amount required for family members?
Yes, a separate Sperrkonto is opened for each family member. A single account does not cover the entire family.
Scenarios
1. If you are going with your spouse
- You (student): 11,904 € Sperrkonto (for student visa)
- Spouse (accompanying): Family reunification visa is required → separate Sperrkonto for spouse 8,388 €/year (approx. 700 €/month) or alternative proof of income
- If your spouse works in Germany → salary/employment contract replaces Sperrkonto
2. With a child
- Additional amount per child: ~6,000-8,000 €/year (varies by age, distinction for under/over 14 years)
- For the child in Sperrkonto: separate account or Verpflichtungserklärung (guarantor relative living in Germany)
- Application for Kindergeld for the child is made after arriving in Germany (250 €/month)
3. If you are going alone and will bring your family later
- Only your own Sperrkonto (11,904 €) is sufficient
- When family reunification is applied for later, an additional Sperrkonto is opened with the amounts valid at that time
Total Cost Example (Family)
| Person | Annual amount |
|---|---|
| Student (you) | 11,904 € |
| Spouse (if not working) | 8,388 € |
| Child (under 14) | 6,036 € |
| Total | 26,328 € |
Due to this high amount, family reunification is done for most students after the visa is granted + a job is found.
Alternatives
- Verpflichtungserklärung: A relative living in Germany (brother-in-law, aunt, etc.) signs a financial guarantee.
- Scholarship: DAAD/KAAD scholarship packages including family (rare, very competitive).
- Employment contract from a family company: If your spouse can be a Werkstudent or remote worker in Germany, the Sperrkonto amount is reduced.
Related: Sperrkonto amount.
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