Blocked Account Germany (Sperrkonto): Complete Guide for 2026
Frequently Asked Questions
How much money is required for a German Sperrkonto in 2026?
The required amount for 2026 is €11,208 (€934 per month). This amount is updated annually by the German government and is based on the BAföG student support rate.
Can I use any German bank for a Sperrkonto?
No. Only specific providers offer officially recognised Sperrkonto accounts accepted by German embassies. The most commonly used are Fintiba, Expatrio, Coracle, and Deutsche Bank. Always confirm your chosen provider is accepted by your specific embassy.
Is a Sperrkonto refundable if my visa is rejected?
Yes. If your visa is rejected, you can request a full refund of your deposit from the provider. You will lose the setup fee but the principal amount (€11,208) is returned to you.
How long does it take to open a Sperrkonto?
With online providers like Fintiba or Expatrio, the process typically takes 2–5 days from registration to receiving your certificate, assuming your international bank transfer arrives promptly. Deutsche Bank takes 2–4 weeks. Start at least 3–4 weeks before your visa appointment.
Do EU citizens need a Sperrkonto to study or work in Germany?
No. EU and EEA citizens have the right to live, work, and study in Germany without a visa or residence permit, so they do not need a Sperrkonto.
