Do you need to open an account in Turkey to withdraw money from your Sperrkonto?

No, it is not necessary. To withdraw money from your Sperrkonto, only a current account (Girokonto) in Germany is sufficient. A Turkish account is not required.

#Process

1. Arrive in Germany, complete your Anmeldung.
2. Open a Girokonto in Germany (N26, Commerzbank, Deutsche Bank, Postbank, Sparkasse, ING).
3. Request an "Auszahlung" (payout) from your Fintiba/Expatrio panel.
4. Enter the Girokonto to which the money should be sent (IBAN).
5. Monthly 992 € will automatically be transferred to your Girokonto.

#Choosing a Girokonto (For Students)

#Important Notes

• The Sperrkonto itself is NOT a current account — you cannot withdraw money, you can only receive transfers.
• Money payouts are automatic (992 € monthly) — if not automatic, it can be set up in your panel.
• Proof of foreign currency outflow for money sent from Turkey should be kept as a bank statement (in case of a tax audit in Germany).

#Sending Additional Money from Turkey

If the 992 €/month from your Sperrkonto is not enough, you can receive transfers from your family in Turkey directly to your Girokonto. Use Wise/Revolut/bank SWIFT — not to the Sperrkonto.

It is not necessary to deposit additional money into your Sperrkonto throughout the year — for the visa, only the initial 11,904 € is sufficient.

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