How can I open a blocked account?

Study visa: How to open a blocked account

Anyone wishing to come to Germany as a foreign student is often required to open a blocked account (Sperrkonto ). This account serves as financial proof to the immigration authorities and the German embassy or consulate during the visa process (so-called subsistence security according to Section 5 of the Residence Act ). It is intended to ensure that one can cover their living expenses in Germany without state aid. But how exactly does this registration process work, and what do one need to keep in mind?

Procedure for opening a blocked account

First, the good news: Opening a blocked account is now entirely digital – many providers in Germany offer this service online. This means you can begin the process from the comfort of your own home, usually weeks or months before your planned stay in Germany. The first step is to fill out the account opening form provided by the bank or chosen provider. These forms are generally available in German and English. You provide your personal information and specify the amount you want to block the account. For a student visa, this amount is currently at least €11,208 for one year – that's €934 per month .

In addition to the form, several important documents are required: a copy of a valid passport and—for students—a proof of admission to a German university . Those coming to Germany for a language course , vocational training, or to look for a job (Opportunity Card) must provide other relevant documentation.

Deposit of the blocking amount

Processing by the bank in Germany usually takes about 1-2 weeks. Once the account has been set up, you will receive the account information – in particular the IBAN and BIC – via email. This will allow you to transfer the blocked amount . In most cases, the full amount is expected to be paid before the visa application date. However, it is also possible to make several partial transfers – especially if the entire amount is not available immediately. Family members or friends can also help with the deposit. It is important that it is clearly identifiable who the payments are from and which account they should be assigned to.

After a successful transfer, you will receive confirmation of the opening and funding of the blocked account. This document is crucial for the visa application and must be submitted to the embassy along with other supporting documents . The account itself remains blocked for the time being: The block prevents you from withdrawing the entire amount at once. This is intended to ensure that only the amount intended for living expenses is available each month during your stay in Germany ( Section 5 (1) No. 1 of the Residence Act ).

How the blocked account works after entry

After entering Germany, the blocked account is fully activated. To do so, you must present yourself in person at the relevant bank branch and verify your identity – usually by presenting your passport and issued visa . Only then will the account be activated. You will receive your girocard and online banking login details. From this moment on, you can withdraw your monthly amount, make transfers, or – depending on your account provider – pay directly with your card. Please note: The limit remains at €934 per month – the remaining funds remain blocked.

However, those who need more money each month can voluntarily deposit more money into the account in addition to the official blocking amount. These additional amounts are not considered part of the blocking amount and can be used freely. This maintains a certain degree of financial flexibility without jeopardizing the terms of the visa.

Conclusion Functionality Blocked Account Visa Foreigner

The process of opening an account may seem bureaucratic at first glance, but it's now well-structured and easy to plan. It's important to start early, prepare all your documents, and contact your chosen account provider or the German diplomatic mission in your home country if you have any questions. For many international students, trainees, and skilled workers, a blocked account is now a natural part of visa planning—and an important step on the path to Germany.

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