Send Money To Blocked Account In Germany The Easy way

A blocked account (Sperrkonto) is a special bank account used by international students and certain other visa applicants to prove they have sufficient funds to cover their living expenses in Germany.

You deposit the required amount before applying for your visa. Once you arrive in Germany and complete the necessary activation process, a fixed amount is released every month into your regular German bank account.

Also Read: Blocked Account in Germany for Indian Students – Complete Guide

For a German student visa, the blocked account requirement in 2026 is €11,904 for 12 months, equivalent to €992 per month.

This amount covers the prescribed minimum living expenses and does not include any additional account-opening fees, provider charges or applicable transfer fees.

The amount may differ depending on your visa category and duration of stay. Always check the latest requirements published by the German authorities before transferring funds.

Not always. German student visa applicants must demonstrate that they have sufficient financial resources to support themselves during their stay. A blocked account is one commonly accepted method.

Depending on your circumstances, other forms of proof, such as an eligible scholarship or a formal Declaration of Commitment (Verpflichtungserklärung), may also be accepted.

Check the financial documentation requirements applicable to your visa before opening and funding an account.

Once your blocked account is opened, the provider will issue payment instructions containing the beneficiary account details.

You can then use ExTravelMoney to compare exchange rates from available RBI-authorised banks and money changers, select a suitable provider and book your transfer online.

After the required KYC verification and payment to the selected forex provider, the remittance is processed through the banking system and sent to your blocked account in Germany.

Also Read: How to Send Money to a German Blocked Account

Yes. ExTravelMoney is a forex comparison and booking platform that helps you find competitive exchange rates from RBI-authorised banks and money changers.

You can compare available rates, select a provider and place your blocked account transfer request online. The actual international remittance is processed by the bank or authorised money changer you choose through the platform.

Yes, transfers to supported blocked account providers, including Expatrio, Fintiba and Coracle, can be arranged through ExTravelMoney, subject to the selected remittance provider accepting the payment instructions.

Before booking, make sure you have the correct account details, payment reference and funding instructions issued by your blocked account provider.

Yes. Parents can generally fund their child's German blocked account from India, subject to the blocked account provider's payment rules and the selected bank's or money changer's KYC and remittance requirements.

The sending parent may need to submit their PAN, identity documents, source-of-funds information and documents establishing the purpose of the transfer.

Confirm whether parent-funded transfers are accepted by your blocked account provider before initiating the payment.

The documents typically required include:

• Student's passport
• PAN card of the sender
• Valid identity and address proof of the sender
• University admission or acceptance letter, where applicable
• Blocked account opening or payment instruction letter
• Additional KYC and remittance declarations requested by the selected forex provider

Once your documents are verified and payment is received by the selected forex provider, the international remittance is typically processed within 4 to 48 working hours.

The actual time taken for your blocked account to receive the money depends on the sending bank, intermediary banks, receiving institution, banking holidays and verification requirements.

The blocked account provider may require additional time to match the incoming payment and issue the funding confirmation.

The total cost depends on the EUR-INR exchange rate, remittance charges and applicable taxes.

The main costs to consider are:

• Exchange rate: The rate at which Indian rupees are converted into euros.
• Remittance charges: Fees charged by the selected bank or money changer.
• Intermediary bank charges: Additional fees that may apply during international wire transfers.
• GST: Applicable Indian goods and services tax.
• Blocked account provider fees: Account setup, administration or other fees charged by the German provider.

Yes. ExTravelMoney lets you compare available EUR-INR exchange rates from multiple RBI-authorised banks and money changers. This helps you evaluate how much INR you would need to pay to fund the required EUR amount.

When comparing providers, consider the exchange rate, transaction charges and expected receiving amount rather than the exchange rate alone.

ExTravelMoney does not charge customers a separate platform or convenience fee for comparing rates and placing a blocked account transfer request.

However, the selected bank or money changer may charge remittance fees, and applicable taxes and intermediary bank charges may also apply.

Possibly. Whether you can deposit more than the standard student blocked account requirement depends on the rules of your chosen blocked account provider.

Some providers allow additional deposits or higher funding amounts. However, depositing more money does not necessarily increase your permitted monthly withdrawal.

Check the provider's terms before sending an amount higher than the minimum requirement.

Yes. Students commonly open and fund their blocked accounts before receiving a German student visa.

After the required funds are credited and verified, the blocked account provider issues a confirmation document that can be submitted as proof of financial resources during the visa application process.

Once the remittance reaches the receiving bank, the blocked account provider matches the payment against your account using the beneficiary details and payment reference.

After successful verification and receipt of the required amount, the provider issues a blocked account confirmation or funding certificate. You can use this document as part of your German visa application.

The time taken to issue the confirmation depends on the blocked account provider.

After your chosen bank or money changer processes the international remittance, you can request a SWIFT transfer confirmation or payment reference.

ExTravelMoney can assist you in obtaining the remittance details from your selected forex provider. You can also check your blocked account provider's portal for updates on the incoming payment.

A SWIFT confirmation shows that the payment has been initiated; it does not necessarily mean the funds have already been credited or allocated to your blocked account.

If your German student visa is rejected, you can generally request the release and refund of your blocked account balance.

You must contact your blocked account provider and follow its closure or refund procedure. Supporting documents, such as a visa rejection letter or other evidence required by the provider, may be necessary.

The refunded amount may be affected by provider fees, bank charges and exchange rate differences. The refund is handled by the blocked account provider and the relevant banking institutions, not directly by ExTravelMoney.

A blocked account holds the funds required to demonstrate your ability to cover living expenses in Germany. You cannot freely withdraw the entire balance because monthly releases are restricted.

A regular German bank account is used for everyday transactions, including rent, groceries, bill payments and cash withdrawals.

Once your blocked account is activated, the permitted monthly amount is generally transferred into your regular bank account.

Also Read: Best Banks in Germany for International Students

Yes. A blocked account can be used to demonstrate financial resources when applying for Germany's Opportunity Card (Chancenkarte).

However, the financial requirement is different from that of a student visa. For 2026, Opportunity Card applicants generally need to demonstrate €1,091 per month, although eligible part-time employment income or alternative accepted financial evidence may be considered.

Always check the requirements for your specific visa category before transferring funds.

Also Read: Blocked Account for German Opportunity Card – Requirements and Process

TCS (Tax Collected at Source) may apply to blocked account transfers made under the Liberalised Remittance Scheme (LRS), depending on the remittance purpose and the sender's total LRS remittances during the financial year.

For eligible education-related remittances under the rules effective from 1 April 2026:

• Up to ₹10 lakh: No TCS.
• Above ₹10 lakh: 2% TCS on the amount exceeding the threshold.
• Eligible education-loan-funded remittances: No TCS, subject to applicable conditions.

TCS is not a bank charge or an additional remittance fee. It is tax collected against the PAN of the person making the international transfer.

The amount can generally be adjusted against the sender's income-tax liability when filing their Income Tax Return (ITR). Any excess tax may be claimed as a refund, subject to the applicable tax rules and the sender's tax position.

Yes. GST may apply to the foreign currency conversion and remittance services involved in funding your German blocked account.

For foreign exchange conversion, GST is generally calculated on a prescribed taxable value rather than on the entire amount being transferred. The exact GST amount depends on the INR value of the transaction, the applicable valuation rules and any taxable service charges.

You can estimate the applicable amount using the ExTravelMoney GST Calculator.