Blocked Account Calculator
Updated August 2026 · By Sagar S. Patil, living in Germany since 2019
Work out the exact Sperrkonto deposit you need for a German student visa in 2026. The base rate is €992 per month, released back to you monthly after you arrive. Adjust for your visa length and any confirmed scholarship.
Embassies reduce the blocked amount by a scholarship (DAAD, university stipend) only if it is officially confirmed per month.
2026 figures. The base rate is €992/month (€11,904/year), unchanged since September 2024. Providers (Expatrio, Fintiba, Coracle) add a one-time setup fee of about €49–110. Always send €100–150 extra so bank charges do not leave you short at the embassy.
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Get free help with your visa file →What the blocked account is
A blocked account (Sperrkonto) proves to the German embassy that you can finance your first year. You deposit a year's living costs before your visa appointment, the balance is "blocked", and after you arrive it is released to you in fixed monthly instalments. It is not a fee and not lost money, it simply sits in your name until you can access it in Germany.
How the amount is calculated
The requirement is €992 for every month your first visa covers. A standard 12-month student visa therefore needs €11,904. A confirmed monthly scholarship is subtracted from the €992 before multiplying, which is why a stipend can noticeably lower the deposit. The one number that trips students up is the buffer: always transfer €100–150 extra so bank charges do not leave you short at the counter.
Frequently asked questions
How much is the blocked account for Germany in 2026?
€11,904 for a full year, which is €992 per month. This rate has been in place since September 2024 and applies to nearly all Indian and other non-EU student-visa applicants.
Do I get the blocked account money back?
Yes. It is proof of funds, not a fee. After you arrive in Germany and activate the account, €992 is released to you each month for living costs. The money is always yours.
Does a scholarship reduce the blocked amount?
If you have an officially confirmed monthly scholarship (for example DAAD or a university stipend), embassies reduce the blocked amount by that monthly figure. A partial scholarship lowers it proportionally; a full one can remove the requirement.
How much extra should I transfer?
Send €100–150 above the required amount. Indian bank wire charges and forex margins get deducted mid-transfer, and landing even €30 short is a common reason visa files get rejected. Providers refund any surplus.
Which blocked account provider should I use?
Expatrio, Fintiba and Coracle are the standard embassy-accepted options for Indian students. Compare the one-time setup fee (about €49–110), any monthly fee, and whether health insurance is bundled.
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