What is a German blocked account (Sperrkonto) and how do I set one up?

A blocked account (Sperrkonto) is a special bank account required for most international students applying for a German student visa. It proves to the German authorities that you have sufficient funds to support yourself during your studies.

What it does:
You deposit a set amount of money (minimum €11,208 for 2024 — this is reviewed annually by the German government) into the account. The money is "blocked" — it cannot be freely withdrawn immediately. Once you are in Germany and have your residence permit, the account unlocks monthly, releasing approximately €934/month.

Providers (all offer online setup, possible without visiting Germany):
- Expatrio: Popular with international students, quick online setup, partners with Fintiba
- Fintiba: Established provider, includes health insurance option
- Coracle: Online setup, German IBAN issued
- Deutsche Bank: More traditional bank, requires more documentation

How to set up:
1. Choose a provider and create an online account
2. Submit required documents (passport, admission letter)
3. Transfer the required amount from your home bank to the blocked account
4. Receive your Sperrkonto certificate (needed for visa application)
5. Include the certificate in your German visa application

Important: The money deposited is yours — it is not a fee. You receive it back monthly as living costs. The setup fees are typically €50–€200 depending on the provider.

Alternative to blocked account: Formal commitment letter (Verpflichtungserklärung) from a German resident guaranteeing your financial support, or a scholarship letter covering living costs.