Blocked account (Sperrkonto) for the student visa
An account in Germany that holds the money for a year of living before the visa. After arrival it is paid out in parts, once a month. It can be opened online — below is a selection of the provider in 4 steps and a comparison.
The amount is for the student visa and is reviewed every year. Other visa purposes (language course, looking for a place, Chancenkarte) need more.
How it works
- 01Open onlineapplication and passport check online
- 02Transfer the amountfrom your own account or through the provider's transfer service
- 03Confirmationthe blocking confirmation goes into the visa file
- 04Payoutsafter arrival — once a month to your current account
Selection in 4 steps
the selection does not take partnership into accountAnswer — we will show the suitable providers and why. Choose a priority to see the two that fit it best.
Providers
An online blocked-account provider: the account is opened with a licensed German bank and the money is protected by the German deposit guarantee. Fintiba Plus adds health insurance.
An online provider from Berlin: the blocked account is held with the partner bank UniCredit, and the amount can be transferred in parts. The Value Package adds health and travel insurance.
The lowest fees of the three by the providers' tariffs. The account is not with a German bank — check that your consulate accepts it.
Comparison of the providers
Fees — by the providers' tariffs, the links are in the table. We check them regularly; the date is on each provider's page.
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|---|---|---|---|
| Account model | an account with a licensed German bank | an account with the partner bank UniCredit (formerly Aion Bank) | not with a German bank — the model is described in the provider's terms |
| Protection of the money | German deposit guarantee | — | — |
| Opening | €159 | €119 | €99 |
| Per month | €9.90 | €9 | €6 |
| Fees for the first year | €277.80 | €227 | €171 |
| Buffer | €100 | — | €70 |
| Package with insurance | yes — Fintiba Plus with health insurance | yes — Value Package with health and travel insurance | no — insurance separately |
| Transfer of the amount | as a rule, in one transfer | in parts, from one or several accounts | — |
| Support | online: app and help centre | online: portal and help centre | online |
| Restrictions | not available with US tax status or to Iranian nationals (with exceptions) | the provider publishes no restrictions — we check them when choosing | check with your consulate that it accepts an account not held with a German bank |
Through StudyInFocus
We choose the provider for your citizenship and dates, check the documents and the amount before the transfer and take you to the start of the payouts. The account and the insurance are with different companies — each is chosen separately.
Yourself
If the documents are ready and the provider is clear — open it yourself online.
Fintiba, Expatrio — our partners: when you open the account through our link, the provider pays us a fee; the price for you is the same. This does not affect the selection or the order. EDUBAO — no partnership, the link leads to the official website.