How to open a German blocked bank account if you are under 18 years old

You are…

  • from outside the EU zone
  • under 18 years
  • and you want to study in Germany?

Good, then get ready to open a blocked bank account in Germany!

UNDER 18 years?

You will find the answer further below in this article.

Like all other students, you are allowed to get a blocked account and start your educational program in Germany.

The process for students under 18 years old is only slightly different.

My first advice would be to start with all the necessary paperwork as soon as possible.

Next, simply follow the instructions below. Be sure, it’s not that complicated!

So, let’s start with the beginning.

What is a ‘blocked bank account’?

A blocked bank account is called “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 10.332 Euros (2021) to cover your living costs for 1 year, or for the entire duration of your education in Germany.

It’s a must, all the students are obliged to open one and keep it during the education process.

To ‘block your money’ means you can withdraw only 861 Euros monthly 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.

How to start?

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)

Studying in Germany? Get our FREE welcome package for students in Germany. Register. Get health insurance. Find a flat. We are here to support you every step of the way!

Which German banks offer a blocked account for students under 18?

In Germany, there are limited options where you can get for a blocked account if you are under 18 years old. The only bank who provide underaged students with a blocked account is Deutsche Bank.

Let us explore my two favourite options to apply for a blocked bank account, …if you are not 18 yet!

Ready, steady, ….read on!

#1 How to open a blocked bank account for underage students the fastest way?

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 online service. It’s the QUICKEST way to get a blocked bank account these days. How it works? The friendly x-patrio helpers will examine your documents, answer your questions and then 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 online. Done!

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

#2 How to open a blocked bank account, if I already live in Germany?

  1. If you are under 18 years old, fill out a form on the official Deutsche Bank webpage.
  2. Fill in the form, print 2 copies of them, but do not sign them at home! Both of your parents need to go to the bank with you to sign the forms in the presence of an official.
  3. Make an appointment to open a student’s blocked account. You need to bring along
  • 2 forms of your application for the blocked account
  • Your passport/ID
  • A copy of your local registration (Anmeldung)
  • Your registration for a studying program
  • Minimum of 8,640 Euros in cash (2018 guidelines)
  • 150 Euros fee for the opening procedure

It’s done! Visit a Deutsche Bank with all the necessary documents, and with both your parents.

#3 How to open a blocked bank account from abroad?

  1. Fill in the form online in a Deutsche Bank
  2. After you’ve filled in the forms, print 2 copies of them, but do not sign them at home!
  3. Make an appointment in your local German embassy to certify your documents.
  4. Together with your authorized representative, hand in the completed application form to the German embassy in person. The application form to open an account must be signed by both of your parents in the presence of an embassy official. Moreover, you need to bring along:
  • your passport (in colour, if possible)
  • the passports of your authorized representatives (in colour, if possible)
  • if available, a letter of confirmation (copy) from your university;
  • Should one parent have sole custody (e.g. owing to the death of the other parent or divorce), please advise us of this fact via the relevant documents

  1. Once your account has been opened, you will receive your account details.
  2. Transfer your money to the German bank via any local bank in your country (a little more than 8640 Euros because of the fee you will have to pay for the transaction.)
  3. As soon as money is received, the German bank will send you a confirmation (Sperrbestätigung). This document is the one necessary to obtain a German student visa in your local German embassy.
  4. To activate your account, visit any Deutsche bank branch in Germany. Here are the documents you will need to activate your account:
  • Your passport/Id
  • A copy of your local registration (Anmeldung)
  • Your student visa
  • 150 Euros fee for the opening procedure

There we go!

Is anything unclear? Let us know! We are always happy to help.

Also, do not forget that we help new students in Germany with all the paperwork!

Get our free student welcome package now!


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, please contact us.

©2019 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.