Blocked Account Calculator

Calculate your exact Sperrkonto deposit requirement based on the latest 2024/2025 German Embassy regulations.

Sperrkonto Calculator

Standard visas require 12 months of proof.

Official DAAD or university scholarships can lower your required deposit.

2024/2025 Regulation Updates

The German government pegs the blocked account requirement to the BAföG rate (the maximum state funding for German students).

  • •For the 2024/25 winter semester, the rate is set at €934 per month for regular university students.
  • •If you are applying for the new Chancenkarte (Opportunity Card), you must prove €1,027 per month, as you do not get standard student discounts (e.g., for health insurance or transit).
What is a German Blocked Account (Sperrkonto)?
A blocked account is a special type of bank account required for non-EU international students and job-seekers to prove they have sufficient financial resources to live in Germany. The money is 'blocked', meaning you can only withdraw a set maximum amount per month.
What is the Blocked Account amount for 2024/2025?
For standard university students, the required amount is €11,208 for one year, which equals €934 per month. For the Opportunity Card (Chancenkarte) or language school visas, the requirement is higher at €1,027 per month.
Can I reduce the blocked account amount if I have a scholarship?
Yes! If you receive a recognized public scholarship, you can subtract your monthly scholarship amount from the €934 monthly requirement. You will need to show the official scholarship award letter to the embassy.
Which providers are accepted for blocked accounts?
The German Federal Foreign Office accepts accounts from providers like Expatrio, Fintiba, Coracle, and traditional banks like Deutsche Bank. Digital providers (Expatrio/Fintiba) are usually much faster and easier to set up from abroad.

Total Deposit Required

€11,208
Monthly Payout

€934

This is the maximum amount you can withdraw from the account each month.

Calculation Breakdown

  • Base Requirement€934/mo
  • Net Monthly Needs€934/mo
  • Multiply by Durationx 12 months
  • Total to Transfer€11,208
Note: Banks often charge a setup fee (e.g., €49 to €150) and a monthly maintenance fee (e.g., €5/month) which you must transfer in addition to this required buffer amount.