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Blocked Account (Sperrkonto) Finder

You need to deposit €11,904 to a blocked account for the Germany student visa. Compare providers side by side and pick the most suitable.

€11.904

Annual deposit (2026)

€992

Monthly withdrawal limit

4

Providers compared

3

Insurance combo included

How do I open a Sperrkonto for the German student visa?

A blocked account (Sperrkonto) is a German bank account holding €11,904 for one year as proof of finances for your student visa. You can open it fully online with FinTech providers like Expatrio, Fintiba or Coracle in 2–7 business days; traditional banks take 2–6 weeks.

  1. Pick a provider — Compare setup fees, monthly cost, and insurance combo (table below).
  2. Open the account online — Sign up + verify ID via video call (VideoIdent / POSTIdent).
  3. Transfer €11,904 — Wire the annual amount from your home country bank.
  4. Receive the blocking confirmation — Use it for your visa appointment at the German embassy.
  5. Withdraw monthly after arrival — Up to €992/month is unblocked automatically each month.

Blocked Account Calculator

Calculate the total cost of your Sperrkonto including monthly deposit + setup fee + service charges.

61218243036
Default: €992 (2026)

Total cost

Blocked deposit
Setup fee
Service fees
Insurance
Total

Deposit is your own money — you withdraw it monthly. Setup + service fees are paid to the provider.
Filter: All Cheapest Insurance included Fast (≤7 days) FinTech Bank

Compare at a glance

Provider 1st year total Monthly Activation Insurance
Expatrio €149 €5.00 2–5 days Apply →
Fintiba €207 €4.90 1–3 days Apply →
Coracle €89 — 1–3 days Apply →
Deutsche Bank — — 28–42 days — Apply →

Affiliate links — no extra cost to you. We may earn a commission.

FEATURED
Ex

Expatrio

FinTech

Bank: UniCredit (ex-Aion Bank)

One of Germany's most popular digital Sperrkonto providers. Instant approval for visa + optional health insurance combo package.

Setup

€89

Monthly

€5.00

Activation

2–5 days

1st year total

€149

Insurance combo · TK (public) / DR-WALTER (private) Mobile app BaFin licensed
Apply → View details

Last verified: 2026-05-23

Fi

Fintiba

FinTech

Bank: Sutor Bank

Frankfurt-based, one of Germany's first digital Sperrkonto providers. Standard and Plus plan options. Plus package includes health insurance combo.

Setup

€89

Monthly

€4.90

Activation

1–3 days

1st year total

€207

Insurance combo · MAWISTA / BARMER (95€/mo) Mobile app BaFin licensed
Apply → View details

Last verified: 2026-05-23

Co

Coracle

FinTech

Bank: Lemonway (Fransa)

Berlin-based digital Sperrkonto + health insurance provider. 15+ language support, health insurance combo with KKH.

Setup

€89

Monthly

—

Activation

1–3 days

1st year total

€89

Insurance combo · KKH/AOK/DAK/TK/Barmer (public health) Mobile app
Apply → View details

Last verified: 2026-05-23

De

Deutsche Bank

Geleneksel Banka

Germany's largest traditional bank. For a Sperrkonto, notarized documents are required at the German Consulate in Turkey. The process is longer (4-6 weeks) but is converted to a normal Girokonto after arriving in Germany.

Setup

—

Monthly

—

Activation

28–42 days

1st year total

—

Mobile app BaFin licensed
Apply → View details

Last verified: 2026-05-23

What is Sperrkonto?

It is the blocked account mandatory for the Germany student visa. You deposit enough money for a year (€11,904 for 2026) at a German bank, and after arrival you can withdraw €992 monthly. After you get the visa and arrive in Germany the account is "unblocked".

Source: Auswärtiges Amt (Merkblatt), BAföG-Höchstsatz · Last verified:

For international students

  • • German embassies/consulates accept all major providers (Expatrio, Fintiba, Coracle, Deutsche Bank).
  • • Online FinTechs (Expatrio/Fintiba/Coracle) are active within 1-5 days.
  • • Traditional banks like Deutsche Bank take 4-6 weeks.
  • • Account for the cost of Wise/Western Union money transfers (~1-2%).

Visa Cost

Total visa budget

Budget Planner

Monthly living expenses

Application Calendar

Deadlines + ICS export

Sperrkonto by Country

Country-specific guides for the top 10 international student origins.

🇹🇷

Türkiye

Sperrkonto guide

 🇮🇳

India

Sperrkonto guide

 🇵🇰

Pakistan

Sperrkonto guide

 🇳🇬

Nigeria

Sperrkonto guide

 🇺🇸

United States

Sperrkonto guide

 🇬🇧

United Kingdom

Sperrkonto guide

 🇦🇪

United Arab Emirates

Sperrkonto guide

 🇨🇳

China

Sperrkonto guide

 🇧🇷

Brazil

Sperrkonto guide

 🇮🇷

Iran

Sperrkonto guide

Prices and features are taken from the providers' own sites and may change. Always verify on the official site before applying. ApplyToGerman has an affiliate partnership with some providers — your application costs you nothing extra but supports the platform.

Frequently Asked Questions about Sperrkonto

Everything you need to know about opening a blocked account in Germany

What is a Sperrkonto (blocked account)? ▼

A Sperrkonto is a blocked German bank account that proves you can finance your stay in Germany. As of 2026, the required amount is 11.904 EUR for one year, released monthly (~992 EUR/month).

Who needs a blocked account? ▼

Almost every non-EU student applying for a German student visa must show proof of financial means — usually a Sperrkonto. EU/EEA citizens are exempt. Scholarship holders (DAAD, Erasmus) can sometimes use the scholarship letter instead.

Which Sperrkonto provider is cheapest? ▼

Setup fees range from 0 EUR to ~150 EUR, plus optional monthly maintenance (0–9 EUR). FinTech providers like Expatrio, Coracle, and Fintiba typically offer the most competitive total first-year cost. Compare them in the table above.

How long does it take to open a Sperrkonto? ▼

FinTech providers (Expatrio, Fintiba, Coracle) usually issue confirmation in 2–7 business days. Traditional banks (Deutsche Bank, Sparkasse) may take 2–6 weeks including notarised documents.

Can I open the Sperrkonto from my home country? ▼

Yes — all FinTech providers and most major banks support fully online application + video identification (VideoIdent or POSTIdent) from abroad. You do not need to be in Germany to set it up.

Can I include health insurance with my Sperrkonto? ▼

Yes — providers like Expatrio Value Package, Fintiba Plus, and Coracle Pro bundle blocked account + TK / Mawista / DR-WALTER health insurance in one application. This saves time during visa preparation.

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