Your blocked account, your way.
Arrive in Germany, money sorted.
The blocked account (Sperrkonto) that flexes around you — add travel cover, health insurance (GKV/PKV) or a German bank account as you go. No jargon, no hidden fees, no pressure.
What is a blocked account (Sperrkonto)?
A German blocked account (Sperrkonto) is a special bank account where you deposit your visa proof-of-funds — €11,904 for students in 2026 (€992 per month × 12 months). The money is released to you monthly after you arrive in Germany. It is required for most German student and job-seeker visas.
Four things you need to get right.
Blocked account
What the Sperrkonto is, the 2026 amount, and how to open one fast.
Health insurance
Public (GKV) vs private (PKV), who needs what, and real price ranges.
Visa & proof of funds
The right amount and checklist for student, Chancenkarte, job-seeker & more.
Current account
Open a German Girokonto for your IBAN — where your monthly payout lands.
Build the package that fits you.
Start with the blocked account, then add only what you need. No provider lock-in — pick the option you think is best, or the one friends had good experiences with, and switch or skip it anytime.
Blocked account
Always included€11,904 blocked for 2026, released to you at €992 a month. The foundation of your visa proof.
Your package
No provider lock-in. Pick what you trust, and change or remove anything later.
How much do you need to block?
Part-years are allowed — e.g. 7.5 for a seven-and-a-half-month course.
Many providers ask for a small buffer on top of the official figure.
Value first, not a product teaser. We never sell your data.
Why these numbers?
The 2026 student rate is €992 / month — €11,904 for a year, set by German authorities.
Other visas (Chancenkarte, job-seeker) use a higher monthly figure — we adjust automatically.
We link the official source on every figure so you can verify it yourself.
Blocked account providers, compared.
How we make money — and stay honest.Some links are affiliate links; we may earn a referral fee at no cost to you. It never changes our rankings or the figures below.Read our methodology →
| Provider | Setup + monthly | Opening time | Embassy recognition | Best for | Actions |
|---|---|---|---|---|---|
Expatrio ★ 4.5 · 9,924 reviews | €89 + €5.00/mo | ▲ 1–3 days | All German embassies | Bundled free bank account | View → |
Fintiba ★ 4.2 · 3,700 reviews | €159 + €9.90/mo | ▲ 2–4 days | All German embassies | German BaFin-bank IBAN | View → |
Studely ★ 4 · 66 reviews | €140 + €0/mo | ↔ 7–8 days | All German embassies | Strong French-language support | View → |
Four calm steps.
Calculate
Know your exact blocked amount for your visa and dates.
Compare
Pick a provider on price, speed and recognition — honestly.
Open & deposit
Follow our step-by-step guide and get your confirmation.
Arrive sorted
Pass your visa appointment and land with money ready.
Arrivals who got it sorted.
"I was terrified of getting the blocked-account amount wrong. FlexBlocked spelled it out in 5 minutes — and the source link calmed my parents down too."
"The provider comparison was actually honest about fees. I picked the cheapest that my embassy recognises and saved €40."
"GKV vs PKV finally made sense. The decision helper told me exactly what I needed as a student — no upsell."
Frequently asked questions
A special German bank account where you deposit proof that you can support yourself — for 2026 that is €11,904 for students (€992 per month). The money is "blocked" and released to you in monthly portions after you arrive.
Students need €11,904 (€992 × 12 months). Other visas such as the Opportunity Card (Chancenkarte) and job-seeker visa use a higher monthly figure. Use the calculator above for your exact case, and always confirm with your embassy.
The site is 100% free. Some provider links are affiliate links — we may earn a referral fee at no cost to you. It never changes our rankings, and every recommendation is based on price, speed and embassy recognition.
It depends on your priorities — fastest opening, lowest upfront cost, or a bundled insurance deal. Our comparison gives an honest "best for…" verdict for each, with the figures cited.
No. We explain the rules in plain language and link the official sources so you can verify everything yourself, then confirm the details with your German embassy or the Ausländerbehörde.
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How we make money — and stay honest. Some links below are affiliate links; we may earn a referral fee at no cost to you. It never changes our rankings or the figures shown. Read our full methodology →