German blocked account (Sperrkonto) 2026: the complete guide
How blocked accounts work, how to compare providers and what to confirm before transferring your funds.
Sources and last review
Reviewed 2026-09-15
One way to prove your finances
A blocked account restricts access to your money so funds remain available over the approved period. It is one form of financial evidence. The required amount and any alternatives depend on your immigration route and the responsible authority.
Confirm the amount first
Students in 2026
The government’s study guidance lists at least €11,904 for a blocked account. Over twelve months, that is €992 per month. Other routes can require different amounts; do not reuse the student figure automatically.
Keep fees separate
The money you deposit remains yours, but provider and transfer charges are separate costs. Use the exact transfer instructions and required balance supplied for your application.
Compare before opening
From transfer to confirmation
Follow your provider’s instructions, then check the blocking confirmation and personal details before submitting it in the format your authority requests. Do not assume an ordinary balance statement will replace required blocking evidence.
After arrival or a change of plans
Complete the provider’s activation process and check the monthly release limit. Early closure requires the block to be lifted; the Foreign Office explains which authority can authorise this. A visa rejection notice can be used for that purpose. Ask the provider about charges and refund handling.
Planning beyond the first year
Confirm the evidence needed for your next residence application. Do not assume today’s amount, a two-year deposit or a provider’s extension offer will automatically satisfy a later requirement.