Blocked Account for Germany for Indian Students | 2025 Amount & Process

For every Indian student planning to study in Germany, arranging a blocked account is one of the most important financial steps during the visa process. This account acts as proof that you can support yourself during your stay, and it is mandatory for most student visa applications. In this blog, you’ll learn the Germany blocked account amount, how the system works, and how to open a blocked account in Germany from India.

Financial Requirement for Germany

Germany requires international students to demonstrate sufficient financial resources before issuing a visa. This helps the immigration authorities ensure you can cover basic living costs such as rent, food, transport, health insurance, and study materials.

For most non-EU students, especially Indian students, the easiest way to show this financial stability is through a blocked account.

 

What Is a Blocked Account?

A blocked account (Sperrkonto) is a special type of German bank account where a specific amount of money is deposited before visa issuance. The money cannot be withdrawn all at once, instead, you receive a fixed monthly allowance after arriving in Germany.

This controlled monthly withdrawal system guarantees that students do not run out of funds during the year.

 

Annual Blocked Account Amount (Updated 2025)

• The amount blocked in Germany is for 2025 €11,928 per year.

• This amount corresponds to a monthly withdrawal limit of €994.

Every student applying for a long-term study visa (D visa) must deposit this amount in full before the visa interview unless exempted through scholarships.

 

List of Approved Blocked Account Providers (Trusted for Indian Students)

 

Several financial institutions are officially accepted by German embassies and consulates. Popular and reliable providers for Indian students include:

1. Fintiba (with Sutor Bank)

• Most widely used

• Fast processing

• Supporting mobile app

 

2. Expatrio

• Competitive fees

• Has value packages (insurance + account)

 

3. Coracle

• No extra charges every month

• Helper for first-time users

 

4. RemitX (Indian service provider)

• Faster transfers to/from India

• Better rate of INR to EUR

 

5. ICICI Bank Germany 

• Ideal for students who would prefer Indian banking support.

• Strong customer care

All these providers are accepted for visa applications.

 

Step-by-Step Process to Open the Account

Opening a blocked account for Germany for Indian students is fully online and takes only a few steps:

Step 1: Choose an Approved Provider

Compare fees, transfer speed, customer support, and additional features like health insurance packages. Fintiba and Expatrio are usually the fastest.

 

Step 2: Fill the Online Application Form

You’ll need to provide:

• Passport details

• Admission letter - optional, but helpful

• Personal information

• Email and phone number

The provider then creates your blocked account certificate.

 

Step 3: Get IBAN and Account Details

Once your application is approved, you will receive a German IBAN and bank address where your funds will be transferred.

 

Step 4: Pay the Admission Fee Amount 

Send the full €11,928 (plus service fees) to the given account.

 

Step 5: Receiving the Blocked Account Confirmation Letter

After your money reflects in the provider’s system, you receive the confirmation needed for your visa appointment.

 

Step 6: Use This Document for Visa Filing

Attach the certificate to your financial proof section during the visa application process.

 

How to Transfer Money from India 

There are several ways to transfer money to your blocked account from India, including:

1. Bank Wire Transfer

Most nationalised and private banks (SBI, HDFC, ICICI, Axis) allow international outward remittances.

 

2. Providers of Forex Services

These are faster and offer better rates:

 BookMyForex

 RemitX

 Thomas Cook

 Wise (if available for your provider)

 

Tips for Lower Fees

• Compare currency conversion rates before transferring

• Avoid multiple small transfers-do a single full transfer

• Beneficiary detail confirmation to avoid delay

It usually takes 2–5 working days to reach Germany.

 

Activation After Landing in Germany

Once you arrive in Germany, your blocked account must be linked to a current account (Girokonto) so that the monthly amount (€994) can be credited to you.

 

Activation Steps:

1. Open a Girokonto at any German bank (N26, Commerzbank, Deutsche Bank, Sparkasse).

2. Submit your German address and visa/residence permit (or registration document).

3. Your provider of the blocked account then releases monthly payments.

The first monthly payout normally comes in within 3–7 days after the activation.

 

Common Problems & Solutions

 

1. Transfer Delays

Reason: Bank Compliance Checks or incorrect beneficiary details

Solution: Double-check account number, SWIFT code, and name; contact your Indian bank for confirmation.

 

2. Amount Deducted but Not Reflected

Reason: Third-party charges or bank fees

Solution: Transfer excess money to complete the total number required.

 

3. Failure to Issue of Certificate Even After Deposit

Reason: Incomplete KYC or pending verification

Solution: Upload clear passport scans and verify your profile.

 

 4. Monthly Payout Not Received in Germany

Reason: Incomplete or incorrect setup of Girokonto 

Solution: Ensure your German bank account is fully activated and IBAN is correctly submitted.

 

 5. Over-Deposited Money by Accident 

Extra money is kept in the blocked account, which can be refunded afterwards upon request. 

 

Conclusion 

Opening a blocked account for Germany for Indian students is a crucial step of your study-abroad journey. With the right provider, timely transfers, and proper documentation, the process is smooth and hassle-free. Ensuring that your blocked account is set up correctly not only supports your visa approval but also guarantees financial stability when you begin your new life in Germany. Stay informed, budget well, and choose trusted providers to ensure a stress-free transition. 

 

 Frequency Asked Questions

  What is the amount of the blocked account for 2025? 

The amount blocked for the account, is €11,928 per year.

 

  How long does it take to open a blocked account?

 It usually takes 1–3 days for approval and issuance of the account certificate.

 

  Which blocked account provider is the fastest? 

For Indians, Fintiba and Expatrio are generally the fastest. 

 

 Can I withdraw money freely after reaching Germany? 

No, you can withdraw only the fixed monthly limit of €994 from your blocked account.