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German Blocked
Account Calculator
Calculate the exact amount required for your German student visa in 2026, including provider fees and buffer.
* Current BAföG rate for 2026 is €992/month
Visa Eligibility Ready
This amount meets the 2026 German Embassy and Consulate requirements for a national visa.
What is a German Blocked Account (Sperrkonto)?
To study in Germany, international students from non-EU countries must prove they have the financial means to support themselves. This is done through a Blocked Account. For the 2026 academic year, the German government requires students to have €11,904 for one year (€992 per month).
How it Works
- You transfer the total amount (12 months + fees) to a specialized provider.
- The provider issues a "Blocked Confirmation" for your visa application.
- Once in Germany, you receive monthly payouts of €992 to your local bank account.
2026 Official Rates
Choosing the Right Provider
The German Federal Foreign Office recognizes several providers. The most popular among Indian and international students for 2026 are:
Expatrio
Fastest setup & Value Packages (Health + Blocked)
Coracle
No buffer required for many countries & great support.
Fintiba
The first provider officially approved. Highly reliable.
Success Tip: The "Value Package"
Most students save over €100-200 by opting for a "Value Package" that combines the Blocked Account with required Public Health Insurance (TK or Barmer) and Incoming Insurance. Providers typically waive the opening fee for value packages.
Confused? Let us Help!
We've helped over 500 students navigate the German Blocked account and Visa process this year alone. Chat with us to get the best provider links and fee waivers.
Blocked Account FAQ
Q. What is the monthly blocked amount for 2026?
As of the current BAföG update, the monthly requirement for a German student visa in 2026 is €992. This means you need a total of €11,904 for a 12-month extension or visa.
Q. Which provider is best for Indian students?
Expatrio, Fintiba, and Coracle are the most popular choices. Expatrio is often preferred for its fast setup and 'Value Package' which includes health insurance. Coracle is known for its excellent customer service and lower buffer requirements.
Q. How long does it take for the blocked confirmation to arrive?
Most digital providers like Expatrio and Fintiba provide the 'Blocked Confirmation' within 24-48 hours once the funds reach the account. International bank transfers can take 3-5 working days.
Q. Is it safe to transfer such a large amount to these providers?
Yes. All recognized providers are approved by the German Federal Foreign Office. Your money is held in an escrow account or a partner bank (like Aareal Bank or Sutor Bank) and is only released monthly once you are in Germany.
Q. Can I withdraw all my money at once?
No. The account is 'blocked' specifically to prevent this. You can only withdraw the monthly allowance (€992) each month to cover your living costs. If your visa is rejected, you can get a full refund after providing proof of rejection.
Q. Do I need a blocked account for a Master's degree?
Yes. Unless you have a full scholarship (like DAAD) or a Verpflichtungserklärung (Formal Obligation Letter) from a resident in Germany, you must provide a blocked account.