All you need to open a blocked bank account in Germany

Get your blocked account in Germany now!

Learn German

You want to come to Germany to study?

In this case, you will have to open a blocked account in a German bank.

To get your student visa, you may need to open one even before relocating to Germany.

Not sure where to start?

Overloaded with information?

Let me clear up the process for you.

This guide will help you to open a blocked bank account in a German bank from your home country or if you are already in Germany.

Even if you are an underaged student below 18, you will find a suitable option here.

Let’s start.

#1 What is a ‘blocked bank account’ and why do I need it?

eu blue karte

A blocked bank account is called a “Sperrkonto”.

It is a German bank account that ensures that you have enough money to pay for your living expenses while studying in Germany. To get your visa you have to deposit around 8,640 Euros to cover your living costs for 1 year, or for the entire duration of your education in Germany.

Please note: All international students in Germany must open a blocked bank account and keep it for the whole duration of their studies! Who is an international student? Everyone who must apply for a study visa.

To ‘block your money’ means you can withdraw only 720 Euros monthly (update: 2018) from this account. It shows your ability to make all essential payments each month.

The amount changes because costs for rent, food and transport as well as tuition costs and semester fees may slightly increase every year.

#2 What you must know BEFORE you open a blocked bank account in Germany

So, your very first step is to go to a website/call/visit your local German embassy. Learn more about the requirements for obtaining a German student visa in your country:

  • find out if you have to get a blocked account; this depends on your nationality
  • find out what amount of money you have to deposit (1-year deposit, or more)

#3 How to open a blocked bank account?

If you want to open a blocked bank account in Germany online from your country, the fastest way to do it is via X-patrio service.

X-patrio is my favourite when it comes to opening a blocked bank account. Why? To my knowledge they process your application the fastest. What happens is that will examine your documents and create a blocked bank account for you. With the confirmation from X-patrio you can go to your local embassy and apply for a visa.

Basically, all you need is:

  1. Fill out form online. In English. It takes 2 minutes.
  2. Get confirmation within 24 hours.
  3. Transfer the money to your newly created blocked bank account.
  4. Get your blocked amount confirmation digitally. Done!

After arriving in Germany, X-patrio checks your documents again, validates your personal data and you can start using your account.

Which German banks offer a blocked bank account for students?

At the moment there are two banks where you can apply for a blocked bank account in Germany:

  • At Deutsche Bank
  • At Finitba Bank

You can both apply for a visa at these banks if you are still in your country or already in Germany.

See the information below to find out the steps in your personal case.

To open a blocked bank account from within Germany

  1. Choose a bank you where you would open a student blocked bank account.
  2. Go to the branch of the chosen bank. Alternatively fill out the application form online:
  • Deutsche Bank
  • Finitiba

    At Finitba you can do all the steps online. Follow the link, and get necessary guidance online.
    For a Deutsche Bank, you will find all the links you need further. Just keep reading. 

Here are the steps if you decide to do it in a Deutsche Bank:

  1. After you have filled in the forms, print 2 copies of them, but do not sign them at home! Do it only in the bank with the bank stuff in charge of your case.
  2. Make an appointment at the bank and bring the following documents to your appointment:
  • 2 printed forms of your application for the blocked account
  • Your passport/ID
  • A copy of your local registration (Anmeldung)
  • Your registration for a studying program
  • 8640 Euros in cash, minimum
  • 150 Euros for the opening procedure
  1. Visit your bank with all available documents and say that you have an appointment to open your blocked account (Sperrkonto). On this day you can deposit a necessary amount of money and get a confirmation in the branch. With this confirmation you are able to get a visa.

internship visa

To open a blocked bank account outside of Germany

  1. Chose a bank you would like to join to open a student blocked bank account.
  2. Gather the most important documents to apply, i.e. a copy of your passport/id and an admission to the university program.
  3. Go to the web site of the chosen bank and find the forms you need to fill in to apply:
  • Deutsche Bank
  • Finitiba

    At Finitba you can do all the steps online. Follow the link, and get necessary guidance online.
    For a Deutsche Bank, you will find all the links you need further. Just keep reading. 

Here are the steps if you decide to do it in a Deutsche Bank:

  1. Fill in the form, print 2 copies of them, but do not sign them at home!
  2. Make an appointment in your local German embassy to certify your documents. Find out what other documents you have to submit to get your documents certified, such as:
  • both passports – internal and foreign with colored copies
  • all the documents specified on the website of the bank
  • a fee for the certification procedure equals around 25 Euros
  1. After that, the embassy will send the documents to a German bank.
  2. Once your account has been opened, you will receive your account details.
  3. Transfer the money to the German bank via any local bank in your country (Minimum of 8,640 Euros in cash).
  4. As soon as money is received, the German bank will send you a confirmation (Sperrbestätigung). This document is necessary to obtain a German student visa in your local German embassy.
  5. Here are the documents you will need to activate your account in a Deutsche Bank once you are in Germany:
  • Your passport/ID
  • A copy of your local registration (Anmeldung)
  • Your student visa
  • 150 Euros fee for the opening procedure

#4 How to close a blocked bank account?

If you finished your studies, you want to relocate from Germany or simply don’t need a blocked bank account anymore, you need to collect certain document to close it.

Usually, the documents are:

  • A notice from the German Embassy/Consulate that you no longer need a blocked account (you can also get it in Ausländerbehörde).
  • Signed account closure order. Usually, you can find it on your bank’s web page. Follow if you have an account in a Deutsche Bank.

NoteI would suggest being very attentive when filling the form, so you don’t have to send it twice and pay extra money in case of any mistake

If you got a visa refusal, you also have to provide an original notice of rejection with the stamp of the German Embassy/Consulate (you can also get it in Ausländerbehörde).

#5 How to switch from a blocked account to a regular one?

Keep in mind, if you need a blocked account for more than 1 year, you will have to officially prolong it each time after a 12-month period is finished.

You can do it in a branch of your German bank.

Note that if you don’t apply for a blocked bank account again after a year, your account automatically becomes a normal one. So, you don’t have to reapply.

If you want to switch until the end of a 12-month period, you have to first close a blocked account (through the procedure described above) and then apply for a normal account in your German bank.

______

Want to add something? We do our best to keep this article up-to-date. Nevertheless, if you spot anything that’s unclear or inaccurate, then please contact us.

© 2016 Copyright, Expat Services UG (haftungsbeschränkt). All rights reserved. Expat Services UG (haftungsbeschränkt) assumes no liability for the correctness, accuracy, relevance, reliability or completeness of the information published.