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Money & Finance

For the Sperrkonto, is a separate amount required for family members?

✓ Answered · 2 min read · 152 views

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

  1. Verpflichtungserklärung: A relative living in Germany (brother-in-law, aunt, etc.) signs a financial guarantee.
  2. Scholarship: DAAD/KAAD scholarship packages including family (rare, very competitive).
  3. 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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