The Sperrkonto (blocked account) is a mandatory requirement for your German student visa application. The embassy uses it to confirm you have enough funds to support your studies in Germany. This money is not paid to the government — it's your own money, deposited into a designated account and released to you in monthly installments. This article explains which provider to choose, the process, and common pitfalls.
2026 Amount Requirement
According to German visa regulations, students must prove they have €11,208 per year (€934 per month) for living expenses — this is exactly the amount you need to deposit into your Sperrkonto. Some embassies accept alternative proof of funds (e.g., parents' bank statements), but a Sperrkonto is the safest and most widely accepted method.
Common Sperrkonto Providers Compared
Fintiba
The most popular choice among Chinese students. Fully online, with Chinese customer support and fast account opening (usually 2–5 business days to receive your certificate).
- Setup fee: €89 (one-time)
- Monthly fee: €4.90
- Supports direct transfer from China, accepts multiple currencies
- Provides account confirmation in English/German, accepted by embassies
Expatrio
Another major option, with similar pricing and interface.
- Setup fee: approx. €79–89
- Monthly fee: €4.90
- Fully online, can be completed from China
Deutsche Bank (Traditional Option)
Some people open a blocked account directly with a German bank. No monthly fees, but the process is more complex — you need to be in Germany or use a notarized power of attorney, and not all branches handle student accounts. Consider this route if you're already in Germany.
Account Opening Process (Using Fintiba as Example)
- Register on the website: Fill in basic info and select Sperrkonto type.
- Identity verification: Upload your passport and complete an online video verification (WebID process).
- Transfer funds: Transfer €11,208 to the designated account (you can send from a Chinese bank after converting to euros).
- Get your certificate: Once the transfer arrives, the system generates your Sperrkonto confirmation (Kontoeröffnungsbestätigung) to include with your visa application.
- Unlock after arrival in Germany: After completing your Anmeldung (address registration), submit the registration certificate to Fintiba/Expatrio. Your account will then automatically release €934 per month to your linked current account.
Transfer Tips
- Single transfers from China exceeding $50,000 equivalent may require proof of fund source. Consider splitting into two transfers or check with your bank in advance.
- Use bank wire transfer. Third-party services like Wise or Remitly offer better exchange rates but take longer — allow extra time.
- Include the reference number required by Fintiba/Expatrio in the transfer remarks. Missing it can cause delays or failure.
- Bank fees vary widely in China. China Merchants Bank or China Construction Bank typically charge ¥150–200 per transfer.
Frequently Asked Questions
- Is the money in the Sperrkonto still mine?
- Yes, it's entirely yours, but withdrawals are limited to a monthly amount. After you arrive in Germany, the money is automatically released to your regular account each month. No extra deductions (except the setup and monthly fees).
- Where does the €11,208 come from?
- It can be family savings, scholarships, or your own funds. No need to explain the source — just prove the transfer.
- Do I need a Sperrkonto if I have a scholarship?
- If you have a full scholarship (e.g., DAAD) with an official award letter, some embassies may waive or reduce the Sperrkonto requirement. Check the specific embassy website for details.
- How long does it take from opening to getting the certificate?
- With Fintiba/Expatrio, you usually receive the certificate within 2–5 business days after the transfer arrives. Allow at least 2 weeks for the entire process — don't wait until the week before your visa appointment.
Summary
The Sperrkonto is your financial ticket to study in Germany. Fintiba and Expatrio are the most convenient options for Chinese applicants, with total costs around €150 per year (setup + monthly fees). They are hassle-free and widely accepted by embassies. Open your account early — don't leave it until the last stage of your visa application.
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