Visa-Ready Proof
Confirmation letter for your German visa.
Provider Comparison
Fees, speed and insurance bundles compared.
Transfer Guidance
Safe remittance from India.
Full Support
From account opening to activation in Germany.
Germany Blocked Account (Sperrkonto)
How it works, why you need it and how to open it
A German blocked account (Sperrkonto) proves to the German embassy that you can pay for your living costs. You deposit one year's required amount; after you arrive, a fixed sum is released to you each month. NovasasK helps you choose a provider, open and fund the account and attach the confirmation to your visa file.
€11,904
Per year (2025)*
€992
Per month*
1–5
Days to open*
Visa
Ready letter
How a Blocked Account
Works
Simple idea: the money is yours, but you can only withdraw a monthly amount once you are in Germany.
Open Online
Apply with your passport and admission letter.
Deposit One Year
Transfer the yearly required amount plus the provider's fees.
Get Confirmation
Download the confirmation letter for your visa.
Money is Blocked
You cannot withdraw before arrival.
Arrive in Germany
Register your address and activate the account.
Monthly Release
A fixed amount is paid to your current account every month.
Refund if Refused
Money returned if your visa is refused (minus fees).
Insurance Bundles
Many providers bundle travel and health insurance.
Why Do You Need a Blocked Account?
Germany requires non-EU applicants to prove they can support themselves without public funds.
Visa Requirement
German missions ask for proof of financial resources for the national (D) visa.
Covers Living Costs
Ensures you can pay rent, food and insurance during your first year.
Residence Permit
Proof of funds is checked again when you apply for your residence permit in Germany.
Who Needs to Open a Germany Blocked Account
You usually need a blocked account if you are a non-EU citizen and:
University Students
Bachelor's, master's or PhD students without full funding.
Language Course Students
Students coming for a German language course or Studienkolleg.
Opportunity Card / Job Seekers
Applicants who must show funds while looking for work.
Exchange & Prep Courses
Some preparatory and exchange programs.
Not Needed If…
You have a full scholarship, a sponsor's formal obligation letter (Verpflichtungserklärung) or another accepted proof.
Blocked Account Opening Procedure
What you do, and where we help.
Get Your Admission
Receive the admission / course confirmation from Germany.
Choose a Provider
Compare fees, opening time and insurance bundles with us.
Apply Online
Fill the application with passport and admission details.
Transfer Funds
Send the yearly amount + fees from India (LRS) through your bank.
Download Confirmation
Get the blocked-account confirmation letter.
Visa Appointment
Submit the letter with your German visa application.
Activate in Germany
Register your address (Anmeldung) and start monthly payouts.
Blocked Account Providers
Approved providers listed by the German Federal Foreign Office change from time to time — we confirm the current list and fees before you apply.
| Provider | Type | How to open | Good to know |
|---|---|---|---|
| Expatrio | Online blocked-account provider | Fully online | Packages bundle health / travel insurance |
| Fintiba | Online blocked-account provider | Fully online / app | Popular with Indian students; insurance bundles |
| Coracle | Online blocked-account provider | Fully online | Simple fee structure |
| Deutsche Bank | Traditional German bank | Application process via the bank | Availability for new student accounts has been limited — check before applying |
How NovasasK Helps You
End-to-end support for Germany.
Provider Selection
We compare fees, speed and insurance for your case.
Application Support
We help you fill the application correctly.
Remittance Guidance
Safe transfer from India, LRS and TCS explained.
Visa File
Confirmation letter added to a complete visa file.
Germany Blocked Account Frequently Asked Questions
Common questions about the Sperrkonto.
Germany Study Guides & Updates
Admission, blocked account and visa updates for Germany.