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A Blocked Account (Sperrkonto) is a special account used to show that you have sufficient funds to support yourself while living in Germany. For many international students, it is one of the accepted ways to provide proof of financial resources for a German student visa.

The money deposited in the account cannot normally be withdrawn all at once. Instead, only a specified amount is made available each month after you arrive in Germany.

Also Read: Blocked Account in Germany for Indian Students

1. You first open a blocked account with an eligible provider and deposit the amount required for your visa or residence purpose, along with any applicable provider fees or buffer amount.
2. For students, the standard 2026 requirement is €11,904.
3. After arriving in Germany and completing the provider's activation requirements, you will receive €992 per month for 12 months to help cover your living expenses.
4. Provider fees, buffer requirements and activation procedures vary, so always check the terms of your selected provider.

Also Read: German Blocked Account Requirements

You can apply for a blocked account online through ExTravelMoney by submitting your details and selecting an available blocked account provider.

ExTravelMoney can assist you through the account-opening process. Once the provider opens your account, you will receive the IBAN and funding instructions required to transfer the blocked amount.

You can then compare exchange rates and transfer costs offered by banks and RBI-licensed exchange houses partnered with ExTravelMoney, select a suitable option, and transfer the required funds to your blocked account.

Also Read: How to Transfer Money to Germany: A Guide for Students and Parents

ExTravelMoney currently provides information and assistance for blocked account options from providers such as Expatrio and Fintiba.

Coracle has temporarily paused new blocked account applications while upgrading its banking infrastructure, so new applications are currently unavailable through Coracle.

Provider availability, pricing and terms can change, so check the latest comparison on this page before choosing a provider.

ExTravelMoney helps you compare blocked account providers, assists with the account-opening process, and supports you in transferring the required funds from India to Germany.

Once you receive your blocked account details, you can compare exchange rates and transfer costs from banks and RBI-licensed exchange houses partnered with ExTravelMoney and choose a suitable transfer option.

Choose us and experience the difference.

The buffer amount is an additional amount requested by blocked account provider. This amount is added to accommodate unforeseen charges that may arise during the wire transfer from India to Germany, such as additional fees imposed by an intermediary Service Provider.

It is not the same as the provider's setup or monthly service fee. Depending on the provider's terms, any unused portion of the buffer may later be returned or credited to you.

The required buffer amount varies by provider, so check the current provider details before making your transfer.

The account-opening time depends on the blocked account provider and whether any additional verification is required.

For most providers, the account opening is completed within 24 hours itself.

Funds typically take around 24–48 working hours to reach the blocked account after the transfer is processed.

The actual time may vary depending on whether any further documentation is required or if there is any additional query to confirm sender/beneficiary details.

Also Read: Sending Money for a German Blocked Account

A Blocking Confirmation is a document issued after the required funds have been credited to your blocked account. It confirms that the account has been funded and shows the amount that is blocked and the amount available for monthly withdrawal.

It can be submitted as proof of financial resources when applying for a German student visa.

Yes, some blocked account providers allow you to transfer more than the minimum required amount. However, this does not automatically increase your permitted monthly withdrawal unless the blocked amount is formally adjusted.

For example, Expatrio allows additional funds up to its stated transfer limit, while Fintiba also permits extra deposits within its maximum transfer amount. Any excess may be returned with the first payout, depending on the provider’s rules.

The exact requirements depend on the provider. Typically, you will need a valid passport and personal details for identity verification.

Expatrio currently states that a passport is the only document required during its blocked account sign-up process, while Fintiba requires passport details, tax-identification information and completion of its verification process. Additional documents may be requested depending on your nationality, provider or individual case.

If your visa is rejected, the funds in your blocked account can generally be released and returned once the blocking restriction is lifted.

According to the German Federal Foreign Office, a visa rejection notice is sufficient to lift the blocking notice. You then need to follow your blocked account provider’s refund and account-closure procedure.

Also Read: Blocked Account in Germany for Indian Students

Yes, many providers allow a close family member to fund your blocked account.

For example, both Expatrio and Fintiba currently allow transfers from certain close relatives such as parents, spouses, siblings, grandparents and some other family members. The provider may ask you to identify the sender before making the transfer, and transfers from unrelated third parties or business accounts may be restricted.

If your parents are funding your blocked account from India, make sure the transfer is made according to the selected provider’s instructions.

Also Read: How to Transfer Money to Germany: A Guide for Students and Parents

Usually, you need a regular bank/current account to receive and use your monthly blocked-account payouts after arriving in Germany.

However, whether you need to open one separately depends on your provider. For example, Expatrio currently provides a bank account during activation, while other providers may require you to connect an eligible German or SEPA current account for payouts.

A blocked account itself is not intended to function like a normal everyday bank account for unrestricted spending.

Yes. A blocked account can be used as proof of financial resources for certain other German visa and residence categories, not just student visas.

The amount that must be blocked depends on the purpose and duration of your stay. German authorities advise applicants to check the exact financial requirement with the relevant German mission or through the Consular Services Portal before funding the account.

For example, blocked accounts may be used in some cases involving language courses, job-seeking or Opportunity Card applications, but the required monthly amount may differ from the student requirement.

Also Read: How to Open Blocked Account for German Opportunity Card