Germany Blocked Account: Complete Guide for Indian Students (2025)

A blocked account (Sperrkonto) is mandatory for most Indian students applying for a German student visa. It acts as proof of financial resources and is released in monthly instalments once you arrive.

How much do you need?

As of 2025, you must deposit at least €11,904 (approximately ₹11 lakh) to cover one full year of living expenses. This figure is reviewed annually. Most consulates require 12 months of funds at the point of visa application.

Best providers for Indian students

• Fintiba — fully online, fastest setup (5–7 days), widely accepted by German consulates
• Expatrio — blocked account + travel insurance bundle, popular among Indian students
• Deutsche Bank — traditional option, requires more documentation and time
• Coracle — newer fintech option with competitive fees

Step-by-step process

• Apply online with your chosen provider (passport + offer letter required)
• Receive your IBAN and account number within 24–48 hours
• Transfer the required amount from India via wire transfer
• Receive confirmation letter — attach to your visa application
• After arrival, verify identity at a German bank to unlock monthly payments

Open your blocked account at least 4–6 weeks before your visa appointment — processing and transfer time from India can be longer than expected.