What is Sperrkonto (Blocked Account)?
Quick definition
A special German bank account with a blocked balance that proves you have enough funds to support yourself — required for certain visa types.
How it works
A Sperrkonto (blocked account) is a restricted bank account that allows you to withdraw only a fixed monthly amount (currently around €1,091/month as of 2026). It's required for the Chancenkarte (Opportunity Card), student visas, and some family reunification visas as proof of financial means. You deposit the full amount for your planned stay before applying for your visa. Providers like Expatrio, Fintiba, and Deutsche Bank offer Sperrkonto services. The account is opened before arrival and the monthly allowance is released once you're in Germany.
Why it matters
If your visa type requires proof of financial means, a Sperrkonto is usually the simplest way to satisfy this requirement. Setting it up takes 1–2 weeks, so plan accordingly.
Country guides
Learn how this applies to specific nationalities.
