If you’re an Indian student planning to study in Germany, one of the most important steps in your visa process is opening a Blocked Account. Without it, your German student visa application will be rejected.
In this blog, you’ll find out what a Blocked Account is, how much money you need to deposit, top providers for Indian students, and a step-by-step process to open one in 2025.
What Is a Blocked Account (Sperrkonto)?
- A Blocked Account (German: Sperrkonto) is a special type of bank account that proves you have enough funds to support yourself during your studies in Germany. The money in this account is “blocked” you can only withdraw a fixed amount each month.
- Why It’s Required:
- It’s a mandatory requirement by the German embassy/consulate.
- It proves financial self-sufficiency for living costs in Germany.
- It must be opened before your student visa appointment.
How Much Money Should You Block in 2025?
- As of 2025, Indian students must deposit €11,904 for one year.
- This equals roughly ₹10,00,000 INR, depending on the exchange rate.
- You’ll be allowed to withdraw around €992/month once you’re in Germany.
Top Blocked Account Providers for Indian Students
Here are some trusted and embassy-approved providers:
|
Provider
|
Key Features
|
Processing Time
|
|---|---|---|
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Expatrio
|
Fast setup, includes free health insurance combo
|
2–5 working days
|
|
Fintiba
|
User-friendly app, accepted by all German missions
|
2–4 working days
|
|
Coracle
|
Affordable, fast approvals, good for urgent cases
|
1–3 working days
|
Step-by-Step: How to Open a Blocked Account from India
- Step 1: Choose Your Provider
- Visit the official website of Expatrio, Fintiba, or Coracle and begin your online application.
- Step 2: Fill Out the Application Form
- Provide basic details like name, passport number, and university admission letter.
- Step 3: Make the Payment
- Transfer €11,904 + processing fees via international remittance.
- Step 4: Receive Confirmation
- Once the funds arrive, the provider will issue a “Blocked Account Confirmation Certificate”, which you’ll use during your visa appointment.
Documents Required to Open a Blocked Account
- Valid passport (scanned copy)
- University admission letter / proof of application
- PAN Card (for international remittance)
- Indian bank account with international transfer access
- Passport-size photograph (sometimes required)
Mistakes to Avoid
- Don’t send money before completing the online registration
- Don’t open an unapproved blocked account provider
- Avoid delays by using the right payment channels for fast transfers
- Always ensure the full €11,904 is received by the provider (check for transfer fees)
Blocked Account vs. Financial Sponsorship – Which Is Better?
- While some students try to use a sponsor to avoid blocked accounts, the German Embassy rarely accepts sponsorship letters for Indian students in 2025.
- Blocked Account = Safer + Higher Visa Approval Rate
How Abroad Study Rover Helps
- We guide you through every step of setting up your blocked account:
- Choosing the right provider (Expatrio/Fintiba/Coracle)
- Help with international remittance
- Verifying your confirmation letter for visa
- Setting up health insurance combo (cost-saving)
Frequently Asked Questions
No. You must have a Blocked Account in your name for the visa.
Your blocked amount will be refunded, minus the processing fee.
Usually, you only need it for the first year. After that, part-time jobs or parental support can work.
Final Words
- The Blocked Account is your gateway to studying in Germany. Doing it right the first time avoids delays, rejections, and confusion. With our expert guidance at Abroad Study Rover, you’ll have your blocked account and health insurance ready in just a few days.