Study in Germany Guide
Everything you need to know about the €11,904 requirement, choosing a provider (Expatrio vs. Fintiba), and unlocking your money.
If you are applying for a German Student Visa, the Blocked Account is likely the biggest financial hurdle you will face. It is not just a bank account; it is the German government's way of ensuring you can survive financially for your first year.
This guide breaks down exactly how to open one, transfer your funds, and access them once you land in Deutschland.
A Blocked Account is a special bank account that "blocks" a set amount of money. You deposit the full annual amount upfront, but you cannot withdraw it all at once.
Instead, the bank pays you back a monthly allowance (currently €992) to your local German bank account to cover your rent and food.
The amount required by the German Federal Foreign Office changes frequently due to inflation. As of the latest update:
Gone are the days of mailing paper forms to Deutsche Bank. Today, digital providers are approved by the German Federal Foreign Office. Here are the top contenders:
| Provider | Pros | Best For... |
|---|---|---|
| Expatrio | Low fees, often includes free Health Insurance (TK) + Travel Insurance package. | Value Seekers |
| Fintiba | Extremely user-friendly app, fast customer support, very established. | Ease of Use |
| Coracle | No monthly fees, excellent Prime package options. | Cost Saving |
⚠️ Important Note on Buffers
Always transfer €50-€100 extra to cover bank transfer fees and exchange rate fluctuations. If the amount arriving in Germany is even €1 short of €11,904, they will NOT issue the confirmation document!
[Your Consultancy Name] can help you choose the right provider and guide you through the international transfer process to ensure your visa isn't delayed.